Commercial Debt Collection in Oklahoma

Your Oklahoma Commercial Collections Partner

"Hire and train the best, work harder than all the rest."

For over 30 years, Miller, Ross & Goldman has been a trusted business collections partner, supporting the financial success of our Client businesses all across Oklahoma. Our role in the Sooner State extends well beyond that of a traditional commercial collection agency: we are proud to also be a dependable ally to Oklahoma’s diverse and thriving business community. From the bustling industries of Oklahoma City and Tulsa to the growing enterprises in Norman, Edmond, Stillwater, and beyond, our proven B2B collections expertise has consistently helped our clients quickly and effectively recover past-due customer obligations. Miller, Ross & Goldman proudly serves a wide array of businesses, from multinational corporations to cherished local family-owned ventures. Known for delivering outstanding results, our firm consistently surpasses the performance of competing commercial collection agencies and collection law firms across the great state of Oklahoma. So...Why Wait to Get Paid?!

Don't Wait, Get Paid!
B2B (Business-to-Business) Debts Only
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95%
Consistent Collections
Success Rate
A+
Rated & Accredited by the Better Business Bureau
3X
More $ Collected Over Competing Attorneys & Collection Agencies

Oklahoma Commercial Debt Collection & Recovery Services

Commercial debt collection

Commercial Debt Collection

Every industry has its own unique challenges when it comes to collecting overdue payments. Whether you operate in oil & gas, manufacturing, construction, healthcare, or any other sector, our team at Miller, Ross & Goldman crafts tailored strategies to ensure the highest possible recovery rates. By integrating advanced skip tracing, direct outreach, and persistent follow-up methods, we work efficiently to resolve outstanding debts while preserving your business relationships.

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commercial debt reduction

Commercial Debt Reduction

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Debt legal support

Nationwide Legal Support

Most debts can be resolved without legal action, but when necessary, our firm provides aggressive legal support to help businesses in Oklahoma secure the payments they are owed. Our legal partners work on a contingency basis, meaning you don’t pay unless we successfully recover your money. From demand letters to court proceedings, we navigate the legal landscape so you can focus on growing your business without financial setbacks.

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Construction Lien Services

Construction Lien Services

In Oklahoma’s construction industry, delayed payments can create serious cash flow problems. Our team specializes in protecting your right to payment through lien and bond claim services. For eligible Pre-Collect assignments, we provide lien services at no additional cost, ensuring you are compensated for your essential role in Oklahoma’s infrastructure projects. Contractors, subcontractors, and suppliers receive the compensation they are entitled to by filing liens and pursuing legal recourse when needed. Whether you’re working on a public or private project, we help you secure your earnings with minimal disruption to your business operations.

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Satisfaction Guarantee

Our Commitment to Your Success

When you partner with Miller, Ross & Goldman, you gain a team deeply committed to your success. In Oklahoma, we proudly offer a no-recovery, no-fee guarantee, underscoring our confidence in recovering your assets. This commitment safeguards your financial stability and supports your competitive edge in Oklahoma’s vibrant business environment. With us, you have a trusted ally dedicated to securing your financial future.

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Understanding Oklahoma’s Debt Collection Laws

When it comes to commercial debt collection, Oklahoma follows a mix of state-specific statutes and federal regulations. Businesses seeking to recover unpaid debts must adhere to these laws to ensure compliance and avoid unnecessary legal challenges.

Statute of Limitations on Debt Collection in Oklahoma

The statute of limitations for collecting unpaid debts in Oklahoma varies depending on the type of debt:

  • Written contracts: 5 years
  • Oral agreements: 3 years
  • Open accounts (e.g., credit cards, revolving accounts): 5 years
  • Promissory notes: 5 years

If a business waits too long to act, the debtor may no longer be legally required to pay. This is why it is critical to pursue overdue payments as soon as they become delinquent.

Legal Guidelines for Debt Collection in Oklahoma

Oklahoma debt collection laws are designed to protect both creditors and debtors while ensuring fair business practices. Key legal considerations include:

  • Interest rates: Oklahoma allows creditors to charge up to 6% interest on unpaid debts unless a higher rate is agreed upon in writing.
  • Debt communication: Collectors must follow ethical guidelines when contacting debtors, avoiding harassment, threats, or misleading statements.
  • Court judgments: If legal action is taken, a judgment may remain valid for up to 10 years and can be renewed for another 10 years if necessary.

How Oklahoma Debt Collection Laws Differ from Other States

While many of Oklahoma’s debt collection laws align with federal regulations, a few unique aspects set the state apart:

  • Exemptions for wage garnishment: Oklahoma has stricter limitations on wage garnishment than some states, protecting a larger portion of a debtor’s earnings.
  • Property liens: Creditors can file property liens against debtors more easily than in some other states, providing additional leverage for collections.
  • No licensing requirement: Unlike some states, Oklahoma does not require debt collectors to obtain a special license, though they must still comply with the Fair Debt Collection Practices Act (FDCPA).

Let us earn your business today.

5 Stars

Commercial Debt Collection Performance Our Clients Love

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“I had to write this letter to tell you how much I appreciate your excellent commercial collection services. In addition to traditional collections, your expertise in credit management has been invaluable to our company. All in all, this is one area of the business that I know is being handled as efficiently and effectively as possible. Miller, Ross & Goldman is a true partner.”
Lori G., Chief Financial Officer
“I would like to take the time to thank your firm for its’ outstanding results on our commercial collection accounts. I can tell you that we have been very pleased with the expeditious collection of our past-due accounts. The professionalism and eagerness that has been exhibited by your staff is exemplary and we look forward to doing continued business with Miller, Ross & Goldman.”
Jennifer. N., Collections Director
“I just wanted to tell you how excited our Commercial Division is about your staff’s continued collection success with our accounts. We’re blown away! We’ve used several collection agencies before Miller, Ross & Goldman and you guys are far exceeding their results, as well as our expectations. Keep it up! I’ll spread the word every chance I get!”
Jeff H., Collections Manager
“I would like to thank you for the collection services you have provided us with. This was the easiest process of collections we have ever experienced: very timely with great communication and understanding. You have done a marvelous and painless job for us. We will certainly use Miller, Ross & Goldman in the future and refer our friends and associates.”
Felix and Mila B., Owners

Frequently Asked Questions

How does your Oklahoma Debt Collection Agency operate?
When should I hand over my accounts to you?
How long will it take for you to recover outstanding debts?
Will your services damage my customer relationships?

Don’t Wait & Let Your Money Slip Away!

Each day your past-due accounts age, the opportunity for a full recovery diminishes.

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Let’s Make a Difference Together!

As our valued Client, together we can embrace our social consciousness through helping others. All charitable contributions are offset from OUR contingency fees and made in our Client’s good name.

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