How does your Maine debt collection agency operate?

Our Maine-based commercial debt collection specialists use a comprehensive, multi-step approach to recover overdue payments. Through persistent phone communication, written demands, email campaigns, skip tracing, and in-person collection efforts, we ensure an efficient recovery process. If necessary, we also pursue legal action on a contingency basis, so businesses face no financial risk when partnering with us. Our success-driven approach means you only pay when we recover your debt.

When should I hand over my accounts to you?

If your customer is more than 60 days past due and has stopped responding to payment requests, it’s time to transfer the account to our Maine commercial debt collection agency. Accounts that are 90-120 days overdue should be placed in collections immediately to improve the likelihood of recovery. While Miller, Ross & Goldman has successfully recovered debts that are over a year old, acting quickly increases the chances of securing full payment.

How long will it take for you to recover outstanding debts?

The timeline for debt recovery depends on the complexity of the case, debtor responsiveness, and other factors. However, most commercial debts in Maine are resolved within 10-30 days. Entrusting us with your overdue accounts as soon as possible leads to faster and more successful debt recovery.

Will your services damage my customer relationships?

At Miller, Ross & Goldman, we prioritize professionalism and respect throughout the debt collection process. Our Maine commercial debt collection strategies focus on securing payments while preserving long-term business relationships. We understand that financial difficulties can be temporary, and our approach allows for amicable resolutions whenever possible.

Maine Commercial Debt Collection Agency

Your Maine Commercial Collections Partner

For over 3 decades, Miller, Ross & Goldman has been a trusted ally to our Client businesses across Maine, providing expert commercial debt collection services with proven, consistent results. Our role in the Pine Tree State goes beyond that of a typical B2B collection agency—we are a dedicated partner in helping our Maine business Clients preserve and maintain their financial stability. From the thriving industries in Portland and Bangor to the growing businesses in Augusta, Lewiston, and South Portland, MRG specializes in recovering overdue payments, even while bridging and preserving valuable business relationships. Whether working with large corporations, growing small businesses, or cherished, family-owned enterprises, MRG consistently outperforms other B2B collection agencies and collection law firms across Maine.
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B2B (Business-to-Business) Debts Only

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95%

Consistent Collections
Success Rate

A+

Rated & Accredited by the Better Business Bureau

More $ Collected Over Competing Attorneys & Collection Agencies

Maine Commercial Debt Collection & Recovery Services

Commercial Debt Collection

Maine's economy is fueled by industries such as tourism, healthcare, fishing, and manufacturing, each of which presents unique debt collection challenges. At Miller, Ross & Goldman, we develop customized collection strategies that align with the specific needs of Maine businesses. Our comprehensive approach combines persistent outreach, professional negotiation, and tailored recovery techniques to maximize debt collection efficiency while maintaining positive client relationships. With our expertise in Maine’s commercial landscape, we ensure a seamless and effective recovery process.

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Nationwide Legal Support

Our goal is to recover debts without litigation, but when legal action is necessary, our Maine clients benefit from a skilled legal team that operates on a contingency basis. This means there are no upfront fees, and we only get paid when we successfully recover your debt. Whether securing court judgments, enforcing liens, or utilizing other legal measures, we work diligently to protect your financial interests while ensuring compliance with Maine’s debt collection laws.

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Construction Lien Services

Maine’s construction industry relies on timely payments to keep projects on track. When payments are delayed, our specialized lien services provide an added layer of protection for contractors, suppliers, and developers. For eligible Pre-Collect assignments, we offer lien services at no additional cost, ensuring that businesses in Maine’s construction sector receive the payments they are owed. Our expertise in lien laws helps safeguard your financial interests while supporting the state’s ongoing infrastructure growth.

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Our Commitment to Your Success

At Miller, Ross & Goldman, we are committed to the financial success of our clients. We proudly offer a no-recovery, no-fee guarantee to businesses throughout Maine, ensuring a risk-free partnership. Our tailored commercial debt collection solutions help businesses recover lost revenue efficiently while maintaining financial stability in a competitive market. With a focus on professionalism, compliance, and results, we are the trusted choice for commercial debt recovery in Maine.

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Understanding Maine’s Debt Collection Laws

Navigating Maine’s debt collection laws requires a thorough understanding of both state and federal regulations. As your trusted commercial collection partner, we ensure full compliance while maximizing the effectiveness of debt recovery efforts.

Statute of Limitations on Debt Collection in Maine

Maine law sets strict deadlines for creditors to take legal action on unpaid debts. The following statutes of limitations apply to commercial debt collection:

Written Contracts – 6 years
Oral Agreements – 6 years
Promissory Notes – 6 years
Open Accounts (e.g., business credit lines, invoices) – 6 years

Once the statute of limitations expires, creditors lose the right to pursue legal action to collect the debt. Acting swiftly is crucial to securing payment and avoiding unnecessary financial losses.

Maine Debt Collection Laws & Regulations

Maine follows federal debt collection regulations while also enforcing specific state-level guidelines that impact commercial collections.

No Special Licensing Required – Maine does not require debt collection agencies to obtain a state license, though compliance with the Fair Debt Collection Practices Act (FDCPA) is mandatory.
Pre-Judgment Remedies – Creditors in Maine can seek pre-judgment remedies such as writs of attachment to secure assets before obtaining a final judgment.
Post-Judgment Enforcement – A Maine judgment remains enforceable for 20 years, allowing creditors to recover debts through liens, wage garnishments, and bank levies if necessary.
Interest on Outstanding Debt – Maine law permits creditors to charge interest on overdue commercial debts if outlined in a contract, with a legal default rate applicable when no agreement is in place.

How Maine Debt Collection Laws Differ from Other States

Maine’s debt collection laws provide strong protections for both creditors and debtors. With a 6-year statute of limitations across multiple types of debt and a lengthy 20-year enforcement period for judgments, creditors have extended opportunities to recover unpaid balances. Maine courts also allow businesses to include reasonable attorney fees in commercial debt agreements, offering additional protection when legal action becomes necessary. Understanding these regulations helps businesses navigate the debt recovery process effectively while ensuring compliance with state and federal laws.