Collection Agency Fee Comparison

Compare collection agency quotes side by side. Enter your debt details and up to three agency quotes to see real-dollar differences in net recovery, benchmarked against industry averages.

Your Debt Details

Select the category that best describes the outstanding debt.

$

Total outstanding balance across all accounts.

Industry average for commercial debt (under 90 days): 20% – 35% contingency, or $10–$15 flat fee per account

Enter Agency Quotes

Enter quotes from up to 3 agencies to compare them side by side. Leave rows blank to skip.

Agency 1

%
$

Agency 2

%
$

Agency 3

%
$

Quote Comparison

Based on $10,000 in debt (under 90 days) with an estimated 55% recovery rate — gross recovery of $5,500.

AgencyFee %Fee AmountYour Net Recovery
Industry Average(benchmark)28%$1,513$3,988

Enter at least one agency quote above to see a side-by-side comparison against the industry average.

Disclaimer: Industry averages are based on published rate data and agency surveys. They do not constitute a quote or guarantee. Actual collection agency fees depend on debt volume, account complexity, debtor location, and the specific agency's pricing. Always request written fee agreements before placing accounts.

How This Tool Works

This tool helps you compare collection agency quotes against each other and against industry-average rates. Rather than just showing fee percentages, it calculates the real-dollar impact on your recovery based on your specific debt.

  • Industry benchmarks — Fee ranges are sourced from agency surveys and published rate data, segmented by debt type and age. The industry average column gives you a baseline for evaluating quotes.
  • Recovery-adjusted comparison — Fees are calculated against an estimated recovery rate based on debt age (not 100% of the balance), giving you a realistic picture of what you'll actually net.
  • Volume discount guidance — Agencies routinely offer lower rates for higher account volumes. Entering your account count triggers negotiation tips you can use when requesting or countering quotes.
  • Flat fee tracking — Some agencies charge a per-account flat fee in addition to or instead of a contingency percentage. The comparison factors in total flat fees across all your accounts.

For a broader analysis of whether hiring a collection agency is worthwhile compared to writing off debt or selling to a debt buyer, use our ROI Calculator.