How do I collect from an out-of-state customer?
To collect from an out-of-state customer, use an agency that covers the debtor’s state or a national agency with an attorney network. Suits are often filed where the debtor is located unless your contract chooses a venue. A judgment from one state can generally be enforced in another through registration procedures.
Which law applies to an out-of-state customer?
Your contract may choose a governing law; otherwise rules vary. Ask an attorney.
Can I enforce a judgment in another state?
Generally yes, via that state’s registration process, backed by full faith and credit[source].
Does a national agency help?
Yes, it can coordinate across states.
General information, not legal advice. Laws vary by state and situation; ask a licensed attorney about yours.
Related answers
Local or national collection agency · Collect a judgment
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Frequently asked questions
Is it worth it for small balances?
Agencies can often collect without suing, which keeps costs low.
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: 28 U.S.C. § 1738 (full faith and credit), via Cornell LII (accessed Oct 18, 2026).
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