About
Championing Fair Debt Collection with a Personal & Local Focus
Our promise to you is simple: we will work diligently to collect your debts, and you won't incur any upfront costs. In other words, you only pay us when we successfully collect the debts you're owed.
Years of experience
Your Partner For Financial Solutions
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 agencies 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.
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 our 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 out clients.
We designed our debt collection agency to specialize in small to medium professional practices, as well as artesan and trade professionals in each of our local markets: Greater Portland Maine, New Hampshire, Vermont and Greater Tampa, Florida.
Fair Debt Collection: For Our Clients & Their Customers & Patients
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.
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.
Founder of United Obligations
About Our Founder, Marilyn Miller
Marilyn Miller is committed to small businesses. With her company United Obligations, Marilyn has worked for two decades helping small businesses get paid. She is a strong advocate for her clients and not only helps collect past due accounts, but also works with her customers to help them strengthen their credit practices and procedures.
Before founding United Obligations in 2004, Marilyn had a long career in the commercial insurance world, helping small business owners protect their assets.
Marilyn is an avid business blogger.
Marilyn is a graduate of the University of Maine, Orono.
Marilyn lives in Portland with her husband and is a devoted mother and grandmother and enjoys spending time either relaxing by the lake in Maine or chasing her granddaughter on St Pete Beach.
Stories Of Success
Our blog
Debt Collection: How Contracts Help
If you read my blog or have heard me speak, you know that I consider a strong customer contract – even an informal one –
Collection Agencies: Five Common Myths
Collection agencies get a bad rap. Some of the criticism, especially about past actions, is deserved. No one likes owing money and some collection agencies
Collection Agency: Don’t Blame Them If…
The right collection agency can benefit your business. It is important to hire an agency that shares your goals and reflects your style. A collection
