Texas Collection Agency

Do you operate a business in the Lone Star state? We offer debt collection services in Houston, Austin, San Antonio, Dallas, Fort Worth, El Paso, Wichita Falls, Abilene, Waco and other cities throughout the great state of Texas.

Jana Ferrell is a successful commercial collection agency with expertise in the laws regarding commercial collections services in Texas. Our many years of experience in working with executives and business owners has given us insight and understanding as to why you have not been paid and the most effective means to getting your money.

Our team of collections agents have decades of experience and are highly trained in the latest technologies required to effectively and efficiently collect debts for your small business or large enterprise. We understand business in Texas and our extensive knowledge of the laws and guidelines and use of the technology available to us, have awarded us great success in small business collections as well as large claims collections.

We successfully collect your money in a professional and legal manner and have served customers just like you in the medical, service, distribution, manufacturing, financial, publishing and credit services.

Regulations for Collection Agencies in Texas

Collection agencies in Texas are regulated by the Fair Debt Practices Act (FDCPA). We are also regulated by Texas debt collection laws. There are laws that define and determine collection requirements, NSF bad check laws, garnishments, statute of limitations for both judgments and debts, plus agency licenses and bonding for Texas collection agencies.

Please note Texas debt collection laws can change over time. We stay current on the updates and changing regulations and requirements imposed on debt recovery.

Fair Debt Collection Practices Act (FDCPA) are federal laws providing limitations on what debt collectors can do. It also covers how debt collection is reported on credit reports and works in conjunction with local Texas Collection regulations. Every collection agency in Texas must follow these guidelines.

We stick strictly to the requirements outlined in both federal and local laws and do not use abusive, unfair or deceptive practices to collect any debts.These laws and regulations do cover the collection of:

  • Mortgages
  • Credit Card Debt
  • Medical Debts
  • Other debts for personal, household or family purposes.

Please note: the FDCPA does not cover business debts or generally cover collection by the original creditor to whom the debtor originally became indebted. Consumers and debt covered under this act exclude commercial debts. However, we are familiar with the laws for collecting commercial debt and are effective at doing so.

The restrictions we have to follow for include:

  • Time and place
  • Harassment-free
  • Representation by attorney

Time and Place

We are required to contact debtors between specific hours, typically not before 8 am or after 9 pm. There are also specific guidelines about where we can contact people.

Harassment Free Collections

The laws are specific about restricting and defining harassment. We work very diligently to maintain a professional and effective collection routine while respecting the law.

You May Be Represented By an Attorney

There are guidelines that determine how we can collect from a debtor who is represented by an attorney. We work with our legal team to collect to the full extent of the law. We’re used to working with attorneys and know how to navigate collections through the legal system. We also work together with our own legal counsel to ensure all our collections agents, policies and strategies are above board.

Contact us today and we will design a custom recovery plan that will effectively work for your business. We will deliver exceptional service with absolute integrity and dedicated attention to professional, competent, unsurpassed collections. Call today and put the momentum of Jana Ferrell & Associates’ debt collection team to work for your company.

Call today or email us to discuss a custom debt recovery plan that will work for your business. We are respectful and considerate representatives of your business with dedicated attention to professional, competent, unsurpassed debt collection services. If you’re ready to learn more about how we will increase your cash flow and how you can now collect on bad debt, call us today.

We Provide Debt Collection Services Throughout Texas



“Jana Ferrell & Associates has been doing collections for the hospital since November 2002 . . . I can’t think of one time that a customer has complained about the treatment they received. The work is always done in a courteous and professional manner. I would highly recommend Jana Ferrell & Associates for any collection needs and services.”

Brent Meyers, Administrator


Our team of collection pros will help you collect on your clients' outstanding debts and bring a new stream of cash flow back into your business or municipality.
Call Us Today: (800) 432-6074