Trusted Small Business Debt Collection Attorneys for Results You Can Count On
When small businesses face unpaid invoices, delinquent accounts, or broken payment promises, it can be devastating to cash flow and operations. At Spiwak and Iezza, we understand the stakes — and we’re here to help you recover what you’re owed efficiently and professionally. Our experienced small business debt collection attorneys provide aggressive yet ethical debt recovery solutions tailored to your needs.
Why Small Businesses Need a Specialized Debt Collection Attorney
Unlike large corporations with in-house legal teams, small businesses often lack the resources to pursue unpaid debts effectively. Hiring a skilled business collections lawyer ensures that your rights are protected, your processes are compliant with federal and state laws, and your chances of recovery are maximized.
Challenges small businesses face include:
- Limited resources to pursue litigation
- Customers exploiting loopholes to avoid payment
- Need for swift cash recovery to maintain operations
- Fear of violating fair debt collection regulations
Spiwak and Iezza help small business owners bridge this gap by delivering customized, cost-effective, and strategic legal solutions that get results without damaging client relationships.

Our Small Business Debt Collection Services
At Spiwak and Iezza, we offer a full suite of debt recovery services, including:
Pre-Litigation Collection
Before filing a lawsuit, our attorneys send persuasive demand letters, negotiate settlements, and pursue voluntary payments to resolve matters quickly and economically.
Commercial Debt Recovery Litigation
When pre-litigation efforts are unsuccessful, our seasoned litigation team files lawsuits, pursues judgments, and utilizes every available legal remedy to secure payment.
Judgment Enforcement
Obtaining a judgment is only the first step. Our team enforces judgments through bank levies, wage garnishments, property liens, and other aggressive techniques.
Accounts Receivable Management Consulting
We help clients strengthen their credit policies, sales contracts, and internal collection procedures to minimize future losses and protect cash flow.
Industries We Serve
Spiwak and Iezza represent a wide range of small businesses across diverse sectors, including:
- Professional service firms (consultants, marketing agencies, legal, and accounting)
- Banking and Lending
- Construction companies and subcontractors
- Equipment Leasing and Financing
- Healthcare and dental practices
- Hospitality and event services
- Information technology and SaaS providers
- Landlord and Tenant
- Manufacturing and distribution companies
- Merchant Cash Advance
- Real Estate Transactions
- Transportation
- Wholesale and retail businesses
- Other Industries we serve
No matter the industry, if you have outstanding accounts receivable, our business collections lawyers can help you recover your money.

What Sets Spiwak and Iezza Apart?
Choosing a debt collection law firm is a critical decision. Here’s why clients trust Spiwak and Iezza:
Focused Expertise
We specialize in small business debt collection, commercial litigation, and creditor rights, giving us unparalleled insight and experience.
Aggressive, Results-Oriented Approach
We act decisively, using every legal tool at our disposal while maintaining professionalism and protecting your reputation.
Transparent Pricing
We offer clear, upfront pricing structures — including hourly rates, flat fees, and contingency fee options for qualifying cases.
Full Legal Compliance
Our attorneys operate within the bounds of the Fair Debt Collection Practices Act (FDCPA) and all applicable laws, ensuring your business remains protected from liability.
The Debt Collection Process at Spiwak and Iezza
Understanding the process gives you confidence to move forward:
Step 1: Case Assessment
We evaluate your claim’s viability by reviewing invoices, communications, contracts, and payment history.
Step 2: Formal Demand
We draft and send a demand letter crafted for maximum impact, urging the debtor to pay immediately.
Step 3: Negotiation and Settlement
We engage in strategic negotiations, often securing settlements without the need for litigation.
Step 4: Litigation (If Necessary)
If a settlement isn’t achieved, we file a lawsuit and pursue a judgment vigorously.
Step 5: Enforcement Actions
We use wage garnishments, bank levies, property liens, and other legal tactics to collect once a judgment is entered.
Frequently Asked Questions About Small Business Debt Collection
How long do I have to collect a business debt?
The timeframe varies by state, but generally, you have 3 to 6 years to file a lawsuit from the date of nonpayment. Acting quickly ensures better results.
How do I know if it’s time to hire a debt collection attorney?
If a client has ignored multiple payment reminders, broken promises to pay, or has ceased communication altogether, it’s time to consult Spiwak and Iezza.
What are the advantages of hiring a lawyer versus a collection agency?
Lawyers can take immediate legal action — filing lawsuits, securing judgments, and enforcing collections — whereas collection agencies have limited leverage.
Can I still preserve my customer relationship while pursuing collections?
Yes. Our attorneys handle debt collection professionally and respectfully, helping maintain your business relationships where possible.
What types of debts can a small business debt collection attorney recover?
We handle a wide range of debts, including unpaid invoices, breached service contracts, promissory notes, delinquent loan repayments, and past-due commercial leases.
How much does it cost to hire a small business debt collection attorney?
Costs vary depending on the complexity of the case. At Spiwak and Iezza, we offer flexible fee structures, including hourly rates, flat fees, and contingency-based arrangements for qualified claims.
Will pursuing legal action guarantee I get paid?
While no collection effort can guarantee full recovery, hiring an experienced debt collection attorney significantly increases your chances of success through legal leverage, asset discovery, and enforcement options.
What happens if the debtor files for bankruptcy?
If a debtor files for bankruptcy, we can help you file a proof of claim, challenge improper bankruptcy filings, and advise you on the best strategy to maximize potential recovery.
The True Cost of Unpaid Invoices
Many businesses underestimate the financial damage caused by unpaid accounts. Consider:
- Outstanding invoices restrict cash flow needed for growth.
- Collection delays reduce the chances of full recovery.
- Chasing debts internally wastes valuable time and resources.
Studies show:
- Debts under 90 days overdue are 80% collectible.
- After 6 months, collectability drops to 50%.
- After one year, it falls below 25%.
Spiwak and Iezza move quickly and strategically to maximize recovery while protecting your business interests.
How Spiwak and Iezza Maximizes Recovery
Our comprehensive strategies include:
- Asset Investigations: Locating hidden assets to satisfy judgments.
- Commercial Litigation: Aggressive court action when voluntary payment fails.
- Enforcement Proceedings: Post-judgment remedies like wage garnishments, liens, and bank levies.
We focus not just on winning judgments, but on actually collecting the money owed to you.
Signs It’s Time to Hire a Small Business Debt Collection Attorney
Not sure if it’s time to escalate? Look for these red flags:
- Repeated broken promises to pay
- Customers ignoring calls and emails
- Significant overdue balances impacting your cash flow
- Debtors disputing legitimate charges without basis
- Customers threatening bankruptcy or closure
If any of these apply, Spiwak and Iezza can step in and help.
Contact Spiwak and Iezza Today
Don’t let unpaid debts threaten your small business’s future. Partner with Spiwak and Iezza, the experienced small business debt collection attorneys who fight to protect your bottom line.
- Free Initial Consultation
- Transparent Pricing
- Results-Driven Approach
At Spiwak and Iezza, we don’t just promise results — we deliver them.
***Disclaimer: This page has been prepared by Spiwak & Iezza, LLP for informational and educational purposes only. The content is intended to provide a general overview of the law and does not constitute specific legal advice. Viewing this page or using this site does not establish an attorney-client relationship with Spiwak & Iezza, LLP or any of its members. Additionally, because laws are subject to frequent changes, some of the information provided may no longer be current or applicable.