Collection Agencies & Collection Law Firms in Missouri

Key Missouri collection facts at a glance

Topic	Missouri (general rule)
Statute of limitations — written contracts	10 years (verify)
Statute of limitations — open accounts	5 years (verify)
Collection agency license required?	No statewide collection-agency license is generally reported for Missouri, though local, bonding or registration rules may still apply.

These are general rules for orientation only; limitation periods depend on the contract, the type of debt, where suit is filed and events like payments or acknowledgments. Licensing rules often differ for consumer vs. commercial debt and change over time. Confirm with the Missouri regulator or a Missouri-licensed attorney. This is not legal advice.

Should I use a collection agency or a lawyer in Missouri?

For most past-due accounts, a collection agency is the first step: demand letters, calls and negotiated payment plans, usually on contingency. If the debtor disputes the claim, ignores the agency, or the balance justifies litigation, a collection attorney licensed in Missouri can file suit in the appropriate Missouri court and, after a judgment, use the state's enforcement tools such as garnishment, levies or liens. With a 10-year general window for written contracts (verify), it pays to act well before deadlines approach. See collection agency vs. collection attorney.

What does it cost to collect a debt in Missouri?

Agencies typically work on contingency, with rates that vary by debt age, balance and volume; attorneys may charge contingency, hourly or flat fees plus court costs. Read our guide on how much collection agencies charge.

How do I place a Missouri account?

Gather your contract or invoices, statements and correspondence (see what to prepare), then submit the form below with Missouri preselected. We'll introduce you to partners that handle Missouri accounts — including commercial debt and litigation.

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