Championing Fair Debt Collection with a Personal & Local Focus
Guaranteed to Collect or NO COST


Thank you for your interest in United Obligations. We have been helping our customers with their financial needs for over 12 years.

We had witnessed, first hand, the difficulties our hardworking small business clients faced trying to recover bad debt. On the other hand, as small business owners and consumers, we had experienced the difficulty most Americans face in juggling too many bills and too little time and money.

We spoke to small business owners about their experiences with debt collectors. They told horror stories about alienated customers, automated phone calls and large, upfront fees. We learned that many debt collection firms operate by the numbers, taking in as many accounts as they can, collecting the low hanging fruit and, after an initial effort, leaving the majority of accounts to die on the vine.
There had to be a better way to collect bad debt. Most people genuinely want to pay their debts. We believed – and do more than ever – that fair debt collection practices, treating people in a professional and compassionate way, gets results.

We also learned that many small businesses get so busy running their day to day operations that they miss some basic steps in setting up and maintaining their credit practices. By partnering with my clients to improve their credit practices, and working with them to establish accounts receivable best practices, we saw an opportunity to improve our collection results and the cash flow for my clients.

We designed our debt collection firm to specialize in small to medium professional practices, as well as artesan and trade professionals in each of our local markets:

Greater Portland Area (ME); Bangor Area (ME); Mid-Coast (ME); New Hampshire; Vermont & New Jersey (Including the Greater NY Metro Area)

Our clients are not major corporations. They are hardworking local business and healthcare professionals who also have bills to pay. They hire local people and buy local goods. Many, like us, are entrepreneurs whose businesses rely on people paying for goods and services provided. Some have staff dedicated to credit and collections, while others do it all themselves.

We are dedicated to providing levels of services that meet the individual needs of our clients. We’ll collect one debtor file or a thousand. We get paid only when we get results. We’ll serve as the outsourced accounts receivable department or train in-house staff in accounts receivable management best practices.

Fair debt collection. It’s fair for both our clients and their customers and patients.

We would love to talk to you about your credit and collections. We learn so much from communicating with our clients and establishing relationships with our new ones.


Why should you choose United Obligations? How many debt collection firms can say that they turn debtors into clients? We can! One of our first debt collection clients was a gentleman who owed a large medical bill we were collecting from him. Once he finished paying off his bill, he told us he liked our approach, and asked us if we would collect for his local contracting firm.

That happened in 2004. In the years that have followed, it has happened again and again.

We started out as a small business collections agency, and soon realized it would be more successful working for small businesses. We offered our clients assistance with professional receivables management, along with basic bad debt collection services.

Small business people are also consumers. Many owe money and are also owed money. Most people want to pay what they owe, and will pay if they are treated with respect. On the client side, small business customers not only want collection expertise, they want a partner who can look at their overall business and help them make better credit decisions.

Our clients want to know how to improve cash flow. Our approach to bad debt recovery is all about seeing the big picture. What makes a file collectible? What kind of research is needed to locate someone and their assets? What tools and techniques will assist with the process?

Each client is unique and each of their files is unique, as well. Before we begin a collection, we understand our clients’ collection goals, and come up with the approach that will bring the best results.
Our high quality research team is expert at finding people and their assets – a prerequisite for collection success. If needed, we access a network of experienced collection attorneys to assist with litigation. We work closely with these attorneys to continue collection efforts post judgment.

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