Texas is big enough that commercial collection there often feels like working in several states at once. Houston's refineries and port, Dallas-Fort Worth's distribution centers, the Permian Basin's oil fields, the Rio Grande Valley's border crossings and Austin's tech companies each produce their own kinds of unpaid invoices. Creditors owed money by a Texas business need an approach that fits the region and the industry.
Business debt in Texas
Houston is the center of the U.S. energy industry, with oil and gas companies, refineries, petrochemical plants and engineering firms along the Houston Ship Channel. The Port of Houston is one of the busiest ports in the country by tonnage, and nearby ports at Freeport, Corpus Christi and Beaumont handle crude, chemicals and LNG exports. The Permian Basin in West Texas, around Midland and Odessa, is the country's top oil-producing region.
Dallas-Fort Worth is a major corporate, financial and logistics center, with Dallas Fort Worth International Airport and large intermodal yards. Austin and San Antonio have technology, military and health care sectors. Laredo is one of the busiest land ports on the U.S.-Mexico border, and crossings at El Paso, McAllen, Pharr and Brownsville handle large volumes of truck traffic. Interstates 10, 20, 35 and 45 carry freight across the state.
Unpaid business invoices in Texas often involve oilfield service companies, construction contractors in fast-growing metros, and trucking and customs brokerage firms serving cross-border trade. Petrochemical maintenance contractors and agricultural businesses also see payment disputes when markets or weather turn against them.
Where Texas collections come from
Oilfield services and petrochemicals
Permian Basin service companies and Gulf Coast plant contractors depend on energy prices, and slowdowns or project disputes frequently leave them with large unpaid invoices.
Cross-border trucking and customs
Carriers, brokers and warehouses in Laredo, El Paso and the Rio Grande Valley move goods between the U.S. and Mexico, and freight and brokerage fees often go unpaid.
Construction and development
Rapid growth in Dallas-Fort Worth, Houston, Austin and San Antonio brings many subcontractors onto projects, and slow pay and retainage disputes are common.
Distribution and warehousing
Dallas-Fort Worth and Houston host large distribution networks, and disputes over storage, handling and freight charges regularly lead to past-due balances.
- Construction collections
- Trucking & Freight collections
- Manufacturing collections
- SaaS & Software collections
Taking a Texas debtor to court
Texas district courts and county courts at law hear larger civil claims, while justice courts handle small claims under a dollar limit set by statute. Texas also created a statewide business court for certain large commercial disputes. Jurisdiction rules vary by county, so creditors should verify the current limits before filing.
We verify the debtor's legal entity before any demand, and if a claim needs to go to court we send you a written recommendation with costs first. How legal collections work.
Cities we collect from
- Houston
- Dallas
- San Antonio
- Austin
- Fort Worth
- El Paso
Frequently asked questions
Can you collect from a Mexican company that buys from a Texas supplier?
Collecting from Mexican buyers is possible but more complicated than collecting from a U.S. company. Many Mexican importers have U.S. affiliates, bank accounts, warehouses or customs brokers in Texas border cities, which can help. Clear documentation of shipments, invoices and customs records is essential. If litigation is needed, a creditor may need counsel in Mexico, since enforcing a U.S. judgment there requires additional steps.
Can you collect from a Texas business if my company is elsewhere?
Yes. We collect from Texas businesses for creditors anywhere in the U.S. and abroad. If suit becomes necessary, it is usually filed where the debtor is located, through local counsel and only with your approval.
Owed money by a Texas business?
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