About Us

We are a commercial collection agency.

Who we are

We are a local, privately owned commercial collection agency that has proudly served the Central Virginia area since 1954.

At Creditors Services Agency, Inc. we believe that every client should be treated as our only client.

Our Services

We utilize the latest technology, debt collection programs, and a highly skilled team of professionals.

Simplified Billing




Debt Collections


Check Recovery


Skip Tracing Dept.


Consulting Services


Reporting of Debts


Litigation Support


Education Services


HIPAA Compliant


ACA Compliant


Cutting Edge System


Extended Hours


Professional Support


Internet Based Phone System



  • “As our practice grew we started looking for a business to help with our bad debt collections for us. We started with Creditors Service Agency in November of 2015 and have had excellent results with them. Anytime we have a question or concern they have been more than helpful and very professional. Jimmy and the whole staff are great to work with. I would highly recommend Creditors Service Agency to any business. “

    Shirley, Total Motion Physical Therapy

  • “We have been working with Creditors Service Agency since spring of 2013. We had ageing accounts and spent exhausting efforts and could not collect, establish a payment plan and would have to write off these accounts. Creditors Service Agency has done a phenomenal job collecting past due accounts that were unsuccessful in-house. As a business owner, I am glad to have partnered with Creditors Service Agency, adding bad debt back to our bottom line. I only wish we had started working together sooner.”

    Chad Wheeler, Dream Landscapes, Inc.

  • Riley Dental Associates has been a client with Creditors Service Agency since June 2000. We have had great success with the collections efforts of the agency. Everyone is very friendly and willing to help with any collection needs of the practice.

    I have personally used Creditors Service Agency on and off since 1996 with other employers, and have found that they give the best service and have the best recovery rate when compared to any other agency or attorney’s office I have used. I would highly recommend Creditors Service Agency to any practice or establishment needing assistance with collection matters.

    Dana S. Fitch, Business Office Manager Riley Dental Associates of Central Virginia, Inc.

  • “Creditors Service Agency has been handling our collection matters for 9 years. Every month we are amazed at the monies we receive. CSA staff is courteous, professional and accurate at all times. Attorney Les Allen and his staff working with CSA have been a positive part of our relationship in the effort to collect. We always recommend CSA to our friends knowing that their accounts will be handled with the utmost care and customer service.”

    Lydia Langley, Langley Rentals

  • “We are pleased with Creditors Service Agency of Lynchburg. They exhibit a rare combination of speed and accuracy that has enabled them to produce a very high volume of collections for us, while maintaining very high standards for quality.”

    Margie C. Miles, RMA, CPC, PCA, Billing Supervisor, Gastroenterology Associates


  • “Our law firm has worked in close coordination with Creditor’s Service Agency in serving the collection needs of many mutual clients for well over 30 years. Creditor’s Service Agency has consistently provided highly effective collection services in a professional and courteous manner.”

    Leslie E. Allen, III, Harris & Allen, PC

  • “We have been using the services provided by Creditors Service Agency since March of 2009. We have always been completely satisfied with the great job they have done. The staff is always very friendly and very easy to work with. Creditors Service Agency is always professional and courteous and we feel that they always strive to make sure that we are satisfied. Here at Paul Harvey, D.D.S. we always recommend Creditors Service Agency to anyone that needs professional collections.”

    Paul Harvey, D.D.S. Appomattox, VA

  • “Medical Associates of Central Virginia is a medical office and we do the billing for Physician Associates of Central Virginia (a billing agency for outside medical offices). We have used Creditors Service Agency for many years. We are very pleased with their collection agency and the collection rate is very good. If we have questions we can always get someone on the phone. They help in any way they can. They are very professional.

    We did try another agency a few years ago, but quickly went back to CSA. With the other agency we could never talk to a collection representative. We always had to leave a message and wait for a call back. This has never happened with CSA. We highly recommend Creditors Service Agency.”

    Ellen, Patient Accounts

  • “We have been more than pleased with our business relationship with Creditors Service Agency. We always try to support local businesses and we are happy with their responsive and helpful staff.”

    Erin Gossom, Rehab Associates of Central Virginia

Let’s talk about your needs?