Commercial Collection Agency in Minneapolis and St Paul
RecoverMax is a B2B commercial collection agency working from an office in St Louis Park. We recover overdue invoices for companies across Minneapolis, St Paul, and the metro, and we know which Minnesota rules decide how fast an account gets paid.
- No recovery, no fee: contingency pricing
- Free 20-minute call to review the account and the paperwork
- Clear read on what's likely recoverable
- No obligation, no scripted dialer
Prefer the phone? 763-373-0600
RecoverMax is a member of the Commercial Receivers Association. We work to the standards of the commercial receivables industry, not just our own policy, with accountability on conduct, compliance, and how every account gets handled.
Minnesota collection agency license #40996825
“RecoverMax stepped in and handled the matter with a high degree of professionalism, consistency, and integrity.”
“They integrated seamlessly with our team and helped us stabilize cash flow during a tough quarter.”
“Trustworthy partners in a sensitive distressed portfolio. They brought structure and clear communication.”
Who calls us in.
- Small & Mid-Sized Businesses
- Large Enterprises
- Banks & Lenders
- Trustees & Receivers
- Troubled Companies
How Minneapolis / St Paul engagements actually work.
Every engagement starts with a real conversation about your portfolio. No automated triage, no template responses.
Most of the accounts we place for Twin Cities companies look the same on the surface: a customer who paid on time for years, then went to 60 days, then 90, then stopped returning calls. What changes the outcome is what happens next, and in Minnesota the options are more specific than most business owners realize. Conciliation court hears business claims up to $20,000 without an attorney. A written contract that names an interest rate can carry more than the 6 percent default. Construction and public-work accounts have lien and bond deadlines that run from your last day on the job, not from the invoice date. We work every account with those rules in view, so the demand letter, the negotiation, and the escalation all land on the debtor with real consequences behind them.
We are a commercial agency. We do not collect consumer, medical, or rent debt, and we do not run the call-center scripts that make a Minneapolis business owner dread hearing from a collection agency. Every file is read by a person who understands the industry it came from, whether that is a subcontractor on a Minneapolis project chain, a staffing firm carrying payroll for a client in St Paul, or a distributor in the western suburbs with a short-pay problem. Judgment, not volume, is the whole approach.
The office is at 8800 MN-7 in St Louis Park, a short drive west of downtown Minneapolis, and we meet clients in person when a file calls for it. Recovery work is on contingency: you pay a percentage of what we collect and nothing if we collect nothing. Early-stage pre-collection is a flat fee. Both start with a free review of the account.
When Minneapolis / St Paul is the right call.
A few signals that suggest this engagement model fits. If most of these are true, we should talk.
- 01
A Twin Cities business customer is 60+ days past due and has gone quiet
- 02
The balance is under $20,000 and you want to know whether conciliation court or an agency is the right move
- 03
You are a contractor or supplier with a Minnesota lien or bond deadline approaching
- 04
You want a local agency you can meet in person, not a national call center
From stuck to cash in four moves.
Diagnose
We review your aging, account documentation, and prior efforts to identify where recoverability is genuinely at risk.
Stabilize
Structured outreach replaces stalled internal follow-up. Accounts start moving again under disciplined cadence.
Resolve
Negotiated settlements, payment plans, or escalation paths, chosen to protect customer relationships where possible.
Report
Transparent updates on what recovered, what is still in motion, and what we recommend doing differently next time.
Common questions about Minneapolis / St Paul.
Pulled straight from the conversations we have with finance leaders most weeks. If your question isn't here, reach out and we'll answer it directly.
Yes. RecoverMax holds Minnesota collection agency license #40996825. Minnesota requires any collection agency doing business in the state to hold a license from the Department of Commerce under Minn. Stat. 332.33, backed by a surety bond, with each individual collector registered. Ask any agency you consider for its license number before you place accounts, and check it in the Department of Commerce license lookup.
Minnesota conciliation court hears claims up to $20,000 and does not require a lawyer, so for a small, undisputed balance with a debtor who has assets, filing yourself can work. The catch is that a judgment is not money. You still have to find bank accounts or receivables to levy. An agency earns its fee on the accounts where the debtor is disputing, stalling, or hard to reach, and on larger balances where district court and counsel come into play. We tell clients when conciliation court is the better option.
Six years from the breach for most contract debt under Minn. Stat. 541.05, and four years for the sale of goods under the UCC (Minn. Stat. 336.2-725). Those are outside limits, not targets. Collectability drops sharply after 90 days regardless of the statute, which is why we ask clients to place accounts early.
Minnesota's default legal rate is 6 percent per year unless a different rate is agreed to in writing (Minn. Stat. 334.01). A credit application or signed terms that name a late-payment rate gives you real leverage. In construction, Minn. Stat. 337.10 adds 1.5 percent per month on undisputed amounts a contractor fails to pass down within ten days of being paid. We check your paperwork for these terms before the first demand goes out.
Yes. The office is in St Louis Park on Highway 7, and we meet clients across the metro when a file calls for it: reviewing a large portfolio, working through a disputed account with your controller, or sitting down with your credit team on process. Most day-to-day work happens by phone and email.
Construction (general contractors, subcontractors, suppliers), staffing, freight and logistics, manufacturing, and wholesale distribution, along with professional services firms. The first five each have their own page on this site explaining how recovery works in that industry, because the leverage is different in each one.
Often paired with this work.
Pre-Collection
Resolve unpaid invoices earlier with commercial collections support that improves cash flow and acts before accounts need formal recovery.
Learn more →Third Party Recovery
A commercial debt collection partner for businesses with overdue B2B accounts. We help companies recover aging commercial receivables, improve cash flow, and move stalled accounts toward resolution without burning customer relationships.
Learn more →Fractional A/R Support
Strengthen your accounts receivable process with outsourced, fractional A/R support that improves follow-up, reduces aging receivables, and relieves pressure on internal teams without hiring full-time staff.
Learn more →Move forward on Minneapolis / St Paul.
Tell us what's stuck. We'll give you a realistic read on what's recoverable, what isn't, and the right next step.