How does your Rhode Island debt collection agency operate?

Our Rhode Island-based commercial debt collection specialists use a multi-faceted approach to recover overdue payments. Through professional phone communication, demand letters, email campaigns, skip tracing and in-person collection efforts, we ensure an effective recovery process. If necessary, we also pursue legal action on a contingency basis, so businesses face no financial risk when working with us. With our results-driven approach, you only pay when we successfully recover your debt.

When should I hand over my accounts to you?

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

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

The timeline for debt recovery varies based on the complexity of the case and the debtor’s responsiveness. However, most commercial debts in Rhode Island are resolved within 10-30 days. Entrusting us with your overdue accounts as soon as possible ensures a faster and more efficient recovery process.

Will your services damage my customer relationships?

At Miller, Ross & Goldman, we prioritize professionalism and respect in every collection effort. Our Rhode Island commercial debt collection strategies are designed to secure payments while preserving long-term business relationships. We understand that financial difficulties can be temporary, and our approach allows for amicable resolutions whenever possible.

Rhode Island Commercial Debt Collection Agency

Your Rhode Island Commercial Collections Partner

For over 30 years, Miller, Ross & Goldman has been a trusted partner in the financial success of businesses across Rhode Island. Our role in the Ocean State goes well beyond that of a typical commercial collection agency—we are dedicated to helping our local Client businesses recover overdue payments, even while bridging and maintaining their important business relationships. From the thriving industries of Providence and Warwick to the coastal enterprises in Newport and Narragansett, we bring a proven, results-driven approach to commercial debt collection services. Whether you run a small business, a growing mid-size company, or a large corporation, our team consistently delivers superior recovery outcomes, far superior to competing B2B collection agencies and collection law firms across Rhode Island. So, Why Wait To Get Paid?!

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

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

More $ Collected Over Competing Attorneys & Collection Agencies

Rhode Island Commercial Debt Collection & Recovery Services

Commercial Debt Collection

Rhode Island's economy is diverse, with industries ranging from healthcare and education to tourism and manufacturing. Each sector presents unique challenges when it comes to debt collection. At Miller, Ross & Goldman, we design tailored collection strategies that align with your industry and the specific challenges Rhode Island businesses face. Our professional debt recovery methods ensure maximum efficiency while protecting the relationships you’ve built with your clients. By combining strategic outreach, negotiation techniques, and legal expertise, we help businesses across Rhode Island recover outstanding payments swiftly and professionally.

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Nationwide Legal Support

While our priority is to recover debts without litigation, there are cases where legal action is necessary. Our Rhode Island clients benefit from a skilled legal team that operates on a contingency basis, meaning there are no upfront costs. Whether securing judgments, enforcing liens, or using other legal measures, we are committed to protecting your financial interests while ensuring full compliance with Rhode Island’s debt collection laws.

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Construction Lien Services

Rhode Island’s construction industry relies on timely payments to keep projects on track. When contractors, subcontractors, or suppliers face payment delays, our lien services provide an essential layer of financial protection. For eligible Pre-Collect assignments, we offer lien services at no additional cost, ensuring that businesses in Rhode Island’s construction sector receive the payments they are owed. Our team works to safeguard your financial interests while supporting the state’s ongoing infrastructure development.

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Our Commitment to Your Success

At Miller, Ross & Goldman, we are committed to helping Rhode Island businesses secure the revenue they are owed. Our no-recovery, no-fee guarantee ensures that our services carry no financial risk. Whether you are dealing with overdue invoices, unresponsive clients, or complex debt recovery issues, our team provides a results-driven approach that allows your business to maintain financial stability in an ever-changing market. With professionalism and a proven track record, we stand as Rhode Island’s trusted commercial debt collection agency.

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Understanding Rhode Island’s Debt Collection Laws

Navigating Rhode Island’s debt collection laws requires expertise in both state and federal regulations. As your trusted collection partner, we ensure compliance while maximizing the success of debt recovery efforts.

Statute of Limitations on Debt Collection in Rhode Island

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

Written Contracts – 10 years
Oral Agreements – 10 years
Promissory Notes – 6 years
Open Accounts (e.g., business credit lines, invoices) – 4 years

Once the statute of limitations expires, creditors lose the right to file a lawsuit to recover a debt. Acting promptly ensures that businesses maintain the ability to collect outstanding balances and protect their financial interests.

Rhode Island Debt Collection Laws & Regulations

While Rhode Island follows federal debt collection regulations, it also enforces state-specific laws that affect commercial collections.

No Special Licensing Required – Rhode Island does not require debt collection agencies to obtain a state license, but compliance with the Fair Debt Collection Practices Act (FDCPA) is mandatory.
Pre-Judgment Remedies – Creditors in Rhode Island may seek pre-judgment remedies, such as writs of attachment, to secure assets before obtaining a final court ruling.
Post-Judgment Enforcement – A Rhode Island judgment remains enforceable for 20 years, allowing creditors to collect through liens, wage garnishments, and bank levies.
Interest on Outstanding Debt – Rhode Island allows creditors to charge interest on overdue commercial debts if outlined in a contract. When no contractual interest rate applies, the legal default rate is determined by state statute.

How Rhode Island Debt Collection Laws Differ from Other States

Rhode Island’s commercial debt collection laws offer extended enforcement periods for creditors. With a 10-year statute of limitations on written contracts and a 20-year enforceability period for judgments, businesses have ample time to pursue unpaid debts. Additionally, Rhode Island allows creditors to collect reasonable attorney fees in certain cases, providing additional legal leverage when pursuing overdue accounts. Understanding these laws helps businesses navigate the debt recovery process while ensuring compliance with state and federal regulations.