Esser, James and Associates, LLC

Recovering our clients delinquent payables with dignity.

This is a debt collection website.  Any and all information obtained can and will be used for that purpose.


Esser, James & Associates, LLC is a debt collection agency founded upon a commitment to high ethical standards and driven by the successful recovery of your company's accounts receivable and bad debt. Our team offers a combination of highly-developed skills and a wide-range of prompt, professional accounts receivable collection and bad debt collection programs specifically designed to fit your company's needs.


The team of collection professionals is highly-skilled and trained in commercial and consumer third-party collections and has earned a stellar reputation across the country for results. By utilizing state-of-the-art computer systems, our collectors are able to perform effective skip tracing, impact your debtor's credit history and do timely, effective debtor contact and follow-up.


We welcome the opportunity to show you how your company can benefit from the reputation and services offered by our premier debt collection agency. Feel free to contact us for additional information.



Esser, James and Associates, LLC uses many different collection techniques to enable flexible strategies:


  • Use of state-of-the-art skip tracing techniques
  • Phone contact (automated and live)
  • Multi-lingual collection services
  • Delivery of demand letters and correspondence
  • Specialized collection teams
  • Locating assets available for payment of debts
  • Conducting financial evaluations to determine best repayment option
  • Negotiation and monitoring of payment plans
  • Electronic receipt and transmittal of data
  • Online viewing and monitoring of accounts


Esser, James and Associates, LLC goes to great lengths to ensure that every debtor is treated fairly and respectfully. It’s not only a good collection strategy, it's the right thing to do.


  • Multiple weeks of training for new hires
  • Collection supervisors silently monitor random calls
  • Consumer advocate on staff
  • Member of ACA International since 1985
  • Specialized team dedicated to compliance
  • Ongoing training for all collectors


Esser, James and Associates, LLC complies with all applicable federal and state regulations, including:


  • The Fair Debt Collection Practices Act (FDCPA)
  • Fair Credit Reporting Act (FCRA)
  • Rights to Financial Privacy Act
  • Financial Services Modernization Act, also called the Gramm-Leach-Bliley Act (GLB Act)
  • Electronic Signature in Global and National Commerce Act (ESIGN)
  • Electronic Communications Privacy Act
  • Privacy Act of 1974
  • Federal Trade Commission’s Red Flags Rule


In the fast-paced world of collections, it’s never enough to just send letters and hope for the best.

In addition to traditional mail and phone contact, Esser, James and Associates, LLC recovers payables by:

  • Locating debtors using the latest skip tracing technology
  • Contacting debtors by telephone
  • Reporting to the major credit bureaus
  • Providing multi-lingual collection services
  • Sending demand letters and correspondence
  • Finding assets available for payment of debts
  • Negotiating and monitoring payment plans
  • Complying with Federal and State regulations and client guidelines
  • Pursuing legal remedies
  • Receiving and transmitting data electronically
  • Enabling clients to view and monitor accounts Online
  • Designating a dedicated Client Services Representative for each client
  • Predictive dialer system
  • Voice broadcasting system
  • Advanced collection software
  • Automated skip trace waterfall


These tools allow us to accept large volumes of accounts while still working each of them thoroughly.



Whether you are a consumer needing help with a delinquent account, or a debt owner needing proven solutions in recovering outstanding payables, we want to hear from you.  Please utilize any contact method below.


(855) 624-9665



(888) 614-3751





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