Finding the Right Collection Agency: Balancing Size and Scope

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When engaging with new prospects, a common refrain emerges: “The last collection agency never got back to us.” Navigating the landscape of collection agencies can indeed be daunting. In a previous article, we explored this challenge. Whether it involves responding to disputes, issuing validation notices, or adhering to the Fair Debt Collection Practices Act (FDCPA), businesses often encounter a complex journey when first venturing into the world of debt collection. This underscores the critical importance of selecting a collection agency that aligns with the right size and scope.

Too Big to Fail

Frequently, collection agencies fall into the trap of growing “too large,” inadvertently losing sight of essential priorities. As they expand, they become less accessible, operate primarily based on volume, and inadvertently increase legal risks. These behemoth agencies are often the ones we hear about—those that “never got back to us.” It’s not that larger collection agencies are inherently flawed; rather, they are more susceptible to certain pitfalls if the company is not scaling properly. However, if they recognize these vulnerabilities, they can take deliberate steps to mitigate them and minimize legal risks.

Too Small to Succeed

Smaller agencies face different challenges related to experience and competence. While their focus may be laser-sharp, questions arise regarding their ability to handle unique circumstances or deviations from the norm. Are they well-versed in the specific debt collection laws of their state? Can they effectively escalate accounts and find resolutions for intricate skip-tracing cases? Are they bonded? Do they possess expertise in legal matters? Furthermore, do they have robust internal mechanisms to detect errors, ensure follow-through, and provide ongoing training to frontline staff? Or is the agency a one-person operation working out of a garage? Achieving success as a small agency requires striking the right balance.

The Agency that is “Just Right”

In the classic tale of Goldilocks, the protagonist seeks the perfect fit—a bed, a chair, and a bowl of porridge that are neither too big nor too small but just right. Similarly, businesses seeking a collection agency should aim for that ideal fit. It’s about finding an agency whose size and scope align precisely with their needs. Whether large or small, the key lies in understanding the nuances, addressing flaws, and maintaining equilibrium. The “just right” agency combines accessibility, expertise, and adaptability to navigate the intricate world of debt collection effectively.


“Why put off until tomorrow what can be done today?” This adage perfectly encapsulates the ethos of our company. Whether you seek an agency for Santa Rosa debt collection, San Rafael debt collection, or debt collection in Marin County and beyond, Tavelli Co. stands committed. Once you onboard and partner with us, you’ll never need to seek another collections department, lamenting, “Our last agency never got back to us!” As a family-centered, small to medium-sized agency nestled in the heart of Sonoma County, we specialize in commercial collections, medical debt, and more. Reach out to us by calling (707) 509-5565—we’d love to hear from you!


Tavelli Co., Inc. has over 40 years of unparalleled experience in the debt collection and receivables management industry. Our mission is to achieve the right balance between getting clients paid and being empathetic to debtor circumstances, through implementing innovative practices, hiring experienced people, and improving business decisions through analytics. We provide peace of mind to all involved by collecting money with no complaints. Tavelli Co., Inc. takes the time to carefully listen to your customers and share their feedback with you through meaningful data and transparent communication, so you have access to the information you need to make quality decisions and improve your processes in the future. Contact us today and let the debt collection experts at Tavelli Co., Inc. help you set your business up for success.

IMPORTANT: Information provided by Tavelli Co., Inc., any employees of Tavelli Co., Inc., or its subsidiaries is not intended as legal advice and may not be used as legal advice. It is not intended to be a full and exhaustive explanation of the law in any area, nor should it be used to replace the advice of your own legal counsel.

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