Debt Collection in USA.

At Byrival, we specialize in resolving debt collection cases across the USA. Our team, equipped with over 22 years of expertise, prioritizes resolving your debt issues amicably. We are well-versed with debt collection laws in the U.S, including Fair Debt Collection Practices Act (FDCPA) and Regulation F. This ensures we provide top-notch B2B debt recovery services under legal and ethical best practices. We’re committed to following US debt collection laws, guaranteeing respectful and legally sound procedures in every interaction.

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Service offering

No Cure = No Pay

All our USA debt collection services operate under a 'No Cure = No Pay' policy. This means, if we can't recover your debt, you won't pay any commission. However, in successful debt collection USA cases, a commission fee will apply. Often, this fee can be covered by the debtor as part of the settlement.

No Unexpected Costs

At Byrival, we're committed to an honest and upfront approach. Our initial fee structure is crystal clear, ranging from $75 to $175, ensuring you face no hidden costs or surprises. We hold on to transparent and ethical practices, reflecting our commitment to fair debt recovery in compliance with the highest standards.

Amicable Procedures

The primary goal of our debt collection agency in USA is to achieve amicable solutions, with a remarkable success rate of 95% in resolving cases without legal intervention. We believe in a respectful approach, prioritizing effective communication and negotiation to reach satisfactory outcomes for all parties involved.

Legal Procedures

In scenarios requiring legal proceedings, our skilled legal practitioners step in. They are proficient with the local and federal regulations, including Regulation F under the FDCPA and state-specific debt collection laws. Our legal team ensures your interests are safeguarded while navigating the complexities of the legal debt recovery process.

Travel to Collect

In our 'Travel to Collect' service for US cases, our agents are prepared to personally visit debtors, whether they are located domestically within the US or overseas. This direct approach is highly effective in facilitating quick and intricate debt recovery processes, while fully complying with both local and international legal standards to ensure professional and positive results.

Expertise of Local Lawyers

Our debt collection agency works closely with local skilled lawyers in USA familiar with the debt collection laws in Tennessee, Georgia, Arizona, or any other state in the country. You can trust that all legal actions and communications are handled with precision.

Nationwide Coverage

Byrival offers regional services debt collection across all states in the USA. Our expansive coverage is coupled with an in-depth understanding of state-specific regulations, such as California's Rosenthal Fair Debt Collection Practices Act or Texas's Debt Collection Act, ensuring comprehensive solutions tailored to regional legal requiremens.

Personalized Service

Every client at Byrival benefits from a dedicated service representative, ensuring personalized and informed assistance. This approach not only aligns with our internal standards of client care but also reflects the best practices as suggested under various consumer protection laws and guidelines.

Let’s start

Get your free consultation today.

Take the first step towards resolving your debt collection issues in the USA. We're here to listen, understand your situation, and answer any questions you may have. Get your free consultation today.

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Our process

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In the first phase, we conduct thorough research on your debtor, delving into their financial history. This includes examining credit reports from U.S.-based agencies and checking local databases to understand why your invoice remains unpaid. We may also extend our research to specific states. For example, reviewing public records for debt collection in Florida or analyzing credit behavior for debt collection in North Carolina. This comprehensive research forms the foundation of a strategy tailored to your specific case.


Efficient Strategy

Our approach to local or foreign debt collection in USA is comprehensive and client-focused, powered by our extensive legal expertise. We proceed with collections only when we assess a realistic chance of success. This ensures efficient use of resources and adherence to the highest service standards.


Initiate Case

We swiftly assign a dedicated caseworker to your case within 24 hours. The initial step involves drafting and sending a demand letter, customized to the specifics of your case. This initial communication is a critical step in the debt recovery process, setting the stage for effective resolution.


Amicable Collection

Our goal is to resolve cases amicably, avoiding legal proceedings where possible. In the USA, this often involves negotiating payment plans or settlements. When feasible, we use alternative dispute resolution methods like mediation, which can save time and costs for both parties. This approach aligns with the Fair Debt Collection Practices Act (FDCPA), which encourages respectful and non-harassing collection methods.


Legal Collection

In cases where amicable resolution is not possible, we are prepared to proceed with legal action. This is relatively rare, with only a small percentage of cases escalating to this level. Our debt collection agency in USA is ready to navigate the complexities of the U.S. legal system, including the filing of lawsuits and representation in court, if necessary, always ensuring compliance with both federal and state debt collection laws.



Upon successful debt recovery, we issue a commission fee invoice, which, in accordance with the industry standards in the USA, is often recoverable from the debtor. In the event that the debt is unrecoverable, we do not charge any fees, aligning with the ‘No Cure, No Pay’ principle common in U.S. debt collection practices.

Industries we operate in

At Byrival, our expertise as an international debt collection agency spans across various industries around the globe. Over the past 22+ years, we’ve built a wealth of knowledge in numerous sectors, thanks to our extensive and diverse clientele. Do you have cases outside these industries? No worries, we can still help you!


We collect debts worldwide.

Contact us to discuss your case.

FAQ on international debt collection

The Fair Debt Collection Practices Act (FDCPA) is a federal law that sets guidelines for debt collectors to protect consumers from abusive, deceptive, and unfair debt collection practices. It outlines what debt collectors can and cannot do when collecting debts, such as the times they can contact debtors and the type of information they must provide about the debt.

The debt collection statute of limitations refers to the period during which a creditor or debt collector can legally sue a debtor to collect an unpaid debt. Once this period expires, the debt is considered “time-barred,” and legal action typically cannot be taken to enforce collection. The statutes of limitations vary significantly among jurisdictions in US.

The statute of limitations on debt collection varies significantly from state to state in the USA. Each state has its own set of laws that determine the length of time for different types of debts. For example, the statute of limitations for credit card debt might be different from that for a personal loan or medical bill.

A debt collection service works on behalf of creditors to collect unpaid debts. Their services can include sending collection letters, making phone calls, negotiating payment plans, and, if necessary, taking legal action. They aim to recover the amount owed while complying with laws like the FDCPA.

Debt collection agencies typically charge either a flat fee or a contingency fee. Flat fees are usually small, fixed fees charged per account, while contingency fees are a percentage of the amount collected, ranging between 25% to 50% on average. The specific rate can depend on factors such as the age of the debt and the likelihood of successful collection.

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