Houston Debt Collection Agency
Trusted B2B debt collection for Houston businesses. Contingency-based — no upfront fees, no recovery, no charge.
Houston's Commercial Debt Collection Agency
Aggressive Recovery. Professional Results.
Nelson, Cooper & Ortiz is a licensed commercial debt collection agency headquartered in Houston, Texas. With over 75 years of combined experience, we have helped businesses across the Houston metro area — and throughout all 50 states — recover past-due B2B receivables through professional, compliant, and results-driven collection strategies.
Unlike consumer collection agencies, we focus exclusively on commercial (business-to-business) debt. Whether you are owed $5,000 or $5 million, our team pursues every account with the same level of urgency and professionalism. We are fully bonded, ACA International members, and carry an A+ rating with the Better Business Bureau.
Our Collection Services
Full-Service Commercial Debt Collection
Demand Letter Campaigns
Professionally drafted demand letters sent on agency letterhead, creating urgency and establishing a paper trail for potential escalation.
Direct Debtor Negotiation
Our collectors engage debtors directly by phone and written correspondence to negotiate payment in full or structured settlement arrangements.
Skip Tracing
When debtors go dark, our investigators locate updated contact information, business addresses, and assets to resume collection efforts.
Pre-Litigation Mediation
Before recommending legal action, we attempt structured mediation — often resolving disputes faster and at lower cost than litigation.
Accounts Receivable Management
Proactive AR management to reduce aging balances, improve cash flow, and prevent accounts from reaching the collection stage.
International Debt Recovery
Cross-border B2B collection for Houston exporters and multinational businesses owed money by foreign companies.
Why Choose Us
Houston's Most Trusted Commercial Collection Agency
Our contingency model means we only earn a fee when you recover money. There are no retainers, no monthly minimums, and no hidden charges. We are invested in your recovery because our success depends on yours.
How It Works
Simple, Transparent Collection Process
Place Your Account
Submit your account online or by phone. We review the details and accept accounts that meet our criteria at no cost to you.
We Pursue the Debtor
Our collectors immediately begin contact — demand letters, phone outreach, skip tracing, and negotiation — all on your behalf.
You Receive Payment
When funds are recovered, we remit your share monthly. You pay our contingency fee only from what we collect — never out of pocket.
Industries We Serve
Commercial Debt Collection Across Every Sector
Frequently Asked Questions
Start Recovering What You're Owed Today
Place an account online in minutes or call our Houston office for a free, no-obligation consultation.