Top 4 Oregon Debt Collection Agencies 2025
This blog will cover the top 4 Oregon collection agencies in 2025. If you are looking for reputable debt collection agencies in Oregon, you have come to the right place. We will discuss why these agencies deserve your attention, what sets them apart, and how they can meet your specific needs.
Why These Agencies Stand Out
When choosing a debt collection agency, it is crucial to assess their reputation, success rate, and customer feedback. The agencies on this list have been selected based on their Google reviews, Better Business Bureau (BBB) scores, and other important factors such as years of experience and range of services offered. This information will provide you with a well-rounded understanding to help you make an informed decision.
Our List:
- Atlas Financial Services
- Asset Collections Inc
- Cascade Collections Inc
- Southern Oregon Credit Services
What to Expect in This Blog
Google Reviews: A breakdown of the average ratings and what customer feedback reflects about each agency. Positive reviews often highlight effective communication, professionalism, and successful debt recovery.
BBB Scores: We will review the Better Business Bureau ratings and accreditation status of each agency. These scores offer insights into their ethical practices and complaint resolution.
General Information: You’ll find additional details, such as the range of services offered (e.g., consumer collections, commercial collections, medical debt recovery), years in business, and any notable achievements or certifications.
Disclaimer: The agencies mentioned in this blog have not been thoroughly vetted. Readers are encouraged to continue their evaluation process by scheduling meetings with the agencies and conducting their own assessments before making a decision.
#1: Atlas Financial Services
Atlas Financial Services has a 3-star Google ranking with 19 reviews. According to the Better Business Bureau (BBB), Atlas Financial Services holds an B- rating, reflecting our commitment to ethical practices and customer satisfaction. All negative reviews stem from frustration with our success. All positive reviews come from business owners who have used our services or debtors who are satisfied with paying off their debt once and for all. All collections handled by our agency are conducted ethically and by the book. We are dedicated to helping local businesses throughout Oregon and Washington increase their accounts receivables.
Key Features:
- License, Bonded and Fully Insured
Pre-Collect
Collection Calls
Dunning Letters
Judgment Retention
Wage Garnishment
24/7 Client Portal
Customer Support
Perks:
Contingency Based
ACA Collection Association
Oregon Collectors Association
BBB Rating (B-)
HIPAA Compliant
Washington DOL Access
Data Security
#2: Asset Collections Inc.
Asset Collections Inc. (ACI) is a Portland-based debt collection agency serving clients across Oregon. ACI has a 4.3-star rating with 28 reviews and holds an A+ rating with the Better Business Bureau (BBB), reflecting its commitment to ethical and professional collection practices. ACI offers a range of services designed to assist businesses in recovering outstanding debts efficiently.
Key Features:
Fast Payment Notices: Prompt reminders, including 48-hour and 5-day alerts, encouraging timely payments.
Final Demand Letters: A 10-day notice urging full payment before additional costs are applied.
Background Checks: Complimentary searches to identify existing collection activities.
Customized Timelines: Proven strategies to manage accounts receivable effectively.
Credit Support Tools: Credit applications and guarantees to safeguard new client accounts.
Perks:
ACA Collection Association
Oregon Collectors Association
BBB Rating (A+)
- Corporate Investigations
#3: Cascade Collections Inc
Cascade Collections Inc., located in Salem, Oregon, is a debt collection agency with over 50 years of experience. The Better Business Bureau (BBB) has assigned them an A rating, and they have a 2.3-star rating based on 33 Google reviews. Cascade Collections offers a range of services designed to assist businesses with recovering outstanding debts.
Key Features:
Dispute Resolution: Assisting in resolving billing disputes between clients and their customers.
Pre-Collection Services: Early intervention strategies to encourage timely payments before accounts become delinquent.
Collections: Professional debt recovery services tailored to client needs.
Credit Reporting: Reporting delinquent accounts to credit bureaus to encourage debtor compliance.
Small Claims Processes: Guidance and support through small claims court procedures to recover outstanding debts.
Perks:
Memberships: Affiliated with ACA International and the Oregon Collectors Association, demonstrating adherence to industry standards.
Community Engagement: Active member of the Salem Area Chamber of Commerce, reflecting a commitment to local business development.
#4: Southern Oregon Credit Service DBA Collect Northwest
Collect Northwest, also operating as Southern Oregon Credit Service Inc., is based in Medford, Oregon. The agency has an A+ rating with the Better Business Bureau (BBB) and holds a 1.3-star rating from 73 Google reviews. Collect Northwest provides a variety of services to help businesses and organizations recover outstanding debts efficiently.
Key Features:
Consumer Debts: Expertise in recovering debts from individual consumers.
Commercial Claims: Tailored solutions for business-to-business debt collection.
Public Fines & Judgments: Specialized assistance for collecting public fines and court-ordered payments.
Client Portal Access: A secure online platform for clients to track and manage their accounts in real-time.
Commercial Debt Collections: Comprehensive services for handling business-related debt recovery.
Perks:
- Professional Approach: Respectful and professional customer interactions.
Optimize Processes: Improve A/R systems with expert guidance and training.
Stay Updated: Regular updates and 24/7 account tracking via our portal.
Compliance Guaranteed: Experts in all debt collection regulations.
Debt collection agencies often receive negative online reviews, which can sometimes be exaggerated or based on misunderstandings. A 2013 Federal Trade Commission (FTC) study found that consumers disputed 3.2% of debts that debt buyers attempted to collect themselves.