How does your Utah debt collection agency operate?

Our Utah-based commercial debt collection specialists use a strategic, multi-faceted approach to recover overdue payments. We employ professional phone communication, demand letters, email campaigns, skip tracing, and in-person collection efforts to ensure an effective recovery process. If legal action is required, we operate on a contingency basis, meaning 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 past due and has stopped responding to payment requests, it’s time to transfer the account to our Utah commercial debt collection agency. Accounts that are 90-120 days overdue should be placed in collections immediately to maximize recovery rates. While Miller, Ross & Goldman has successfully recovered debts that are more than a year old, acting quickly increases the likelihood of full repayment.

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

Debt recovery timelines depend on factors such as case complexity and debtor responsiveness. However, most commercial debts in Utah are resolved within 10-30 days. Entrusting us with overdue accounts sooner leads to faster, more efficient recovery.

Will your services damage my customer relationships?

At Miller, Ross & Goldman, we take a professional and respectful approach to debt collection. Our Utah commercial debt collection strategies prioritize securing payments while maintaining long-term business relationships. We understand that financial difficulties can be temporary, and our approach ensures amicable resolutions whenever possible.

Utah Commercial Debt Collection Agency

Your Utah Commercial Collections Partner

For over 25 years, Miller, Ross & Goldman has been a trusted partner in helping businesses across Utah recover overdue payments efficiently and professionally. Our role in the Beehive State extends beyond that of a typical commercial collection agency—we are dedicated allies to businesses in diverse industries, ensuring financial stability and growth. From the booming tech hubs of Salt Lake City and Lehi to the thriving enterprises in Provo, Ogden, and St. George, we deliver customized debt recovery solutions that produce real results. Whether you're a small business, a mid-sized company, or a large corporation, our team consistently outperforms other collection agencies and legal firms across Utah.
‍Why Wait? Get Paid!

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

Don't Wait, Get Paid!

B2B (Business-to-Business) Debts Only

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

95%

Consistent Collections
Success Rate

A+

Rated & Accredited by the Better Business Bureau

More $ Collected Over Competing Attorneys & Collection Agencies

Utah Commercial Debt Collection & Recovery Services

Commercial Debt Collection

Utah’s rapidly growing economy spans industries such as technology, healthcare, construction, and manufacturing, all of which face unique challenges in debt recovery. At Miller, Ross & Goldman, we develop industry-specific collection strategies to ensure maximum recovery rates while protecting your client relationships. Our professional approach balances persistence and respect, ensuring your business receives the money it’s owed without damaging important business connections. With a deep understanding of Utah’s commercial landscape, we are your go-to partner for effective debt collection.

Learn More

Nationwide Legal Support

While our goal is to recover debts amicably, legal action is sometimes unavoidable. Our Utah clients benefit from a highly skilled legal team that operates on a contingency basis, meaning no upfront fees are required. Whether pursuing court judgments, enforcing liens, or leveraging other legal avenues, we provide the expertise necessary to recover your debts while ensuring compliance with Utah’s debt collection laws.

Learn More

Construction Lien Services

Utah’s construction industry continues to expand, and ensuring timely payments is essential for contractors, suppliers, and developers. When payments are delayed, our specialized lien services provide added financial security. For eligible Pre-Collect assignments, we offer lien services at no additional cost, allowing construction businesses to secure the compensation they deserve. Our expertise in Utah’s construction laws helps ensure your financial interests remain protected.

Learn More

Our Commitment to Your Success

At Miller, Ross & Goldman, we are committed to helping Utah businesses recover outstanding debts while maintaining financial stability. We proudly offer a no-recovery, no-fee guarantee, ensuring there is zero risk when working with us. Whether dealing with overdue invoices, unresponsive clients, or complex debt recovery situations, our proven approach delivers results that keep your business running smoothly. With professionalism and an unmatched track record, we stand as Utah’s leading commercial debt collection agency.

Learn More

Understanding Utah’s Debt Collection Laws

Navigating Utah’s debt collection laws requires experience and knowledge of both state and federal regulations. As your trusted collection partner, we ensure full compliance while maximizing the effectiveness of debt recovery efforts.

Statute of Limitations on Debt Collection in Utah

Utah law sets strict time limits for creditors to pursue legal action for unpaid debts. The following statutes of limitations apply to commercial debt collection:

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

Once the statute of limitations expires, creditors lose the ability to take legal action to recover the debt. Acting quickly helps businesses avoid financial losses and secure payments before deadlines pass.

Utah Debt Collection Laws & Regulations

While Utah follows federal debt collection regulations, it also has specific state-level laws that impact commercial collections.

No Special Licensing Required – Utah does not require debt collection agencies to obtain a state license, though compliance with the Fair Debt Collection Practices Act (FDCPA) remains mandatory.
Pre-Judgment Remedies – Creditors in Utah may seek pre-judgment remedies such as writs of attachment to secure assets before obtaining a final judgment.
Post-Judgment Enforcement – Utah judgments remain enforceable for 8 years and can be renewed, allowing creditors to pursue liens, wage garnishments, and bank levies.
Interest on Outstanding Debt – Utah law permits creditors to charge interest on overdue commercial debts if specified in a contract; otherwise, the state’s legal default rate applies.

How Utah Debt Collection Laws Differ from Other States

Utah’s debt collection laws provide several advantages for creditors, including strong contract enforcement and legal protections for businesses seeking payment. The state’s 6-year statute of limitations on written contracts allows businesses more time to recover outstanding debts compared to states with shorter limits. Additionally, Utah allows for post-judgment enforcement tools, including asset liens and wage garnishments, helping businesses maximize debt recovery efforts. Understanding these laws ensures businesses can navigate the debt collection process effectively while staying compliant.