My customer pays directly after I sent them to collections. Now what?
If a customer pays directly after placement, tell the agency right away. Most agreements still entitle the agency to its fee on payments made during placement, because its contact likely prompted the payment. Don’t negotiate separately with the debtor, and ask the agency to close or adjust the account.
Do I owe a fee if the customer pays directly?
Usually, per your agreement.
Can I cancel and keep working the account?
Check withdrawal terms.
What if they want to buy from me again?
Settle the old balance first; consider prepayment.
Related answers
Reports and remittance · Hidden fees
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Frequently asked questions
Should I hide direct payments?
No; that breaches most agreements.
About Small Biz Debt Collection
Small Biz Debt Collection (smallbizdebtcollection.com) is a free matching service that connects U.S. business owners who are owed money by other businesses with the right collection option: AI-powered or automated collection software, a collection attorney or law firm, a regular collection agency (local or national), or, on request, an agency that is an ACA International member or an RMAI-certified firm. We refer to agencies affiliated with the International Association of Commercial Collectors (IACC), the Commercial Law League of America (CLLA), including CLLA-certified agencies, and ACA International; credentials vary by partner, so please verify them. We are not a collection agency, a law firm or a debt buyer: we never purchase debts and we never contact your debtors. Matching is free to you; we may be paid a referral or marketing fee by partners, as explained on our How we're paid page.
Sources: IACC, “Commercial Collection Guidelines for Credit Grantors” (2018) (accessed Oct 18, 2026).
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