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Before Dealing With Aargon Collection Agency: Key Facts and Tips

  • Writer: DM Monticello
    DM Monticello
  • Jul 3
  • 7 min read

If you’ve seen the name Aargon Collection Agency on a letter or credit report—or you’re considering hiring them to recover past-due accounts—you’re not alone. Aargon is one of the more well-known collection firms in the United States, and their size gives them a wide reach across industries.

But what exactly do they do? How do they operate? And should your business work with them—or consider other options?

This guide answers all of those questions, whether you're a consumer being contacted or a business evaluating Aargon as a potential partner.

What Is Aargon Collection Agency?

Aargon Collection Agency is a national debt collection firm based in Nevada. They were founded in the early 1990s and operate in multiple states, collecting on behalf of businesses in:

  • Healthcare

  • Utilities

  • Financial services

  • Property management

  • Retail and consumer finance

They specialize in both first-party and third-party collections, meaning they may represent a business under its own name or work as an independent collector after the debt is transferred.

Their reach and infrastructure make them appealing to companies with a high volume of accounts or locations across the country.

How Aargon Collection Agency Works

Like many national firms, Aargon uses a mix of technology, automation, and outbound communication to recover debts. Here’s a typical flow:

  1. Debt Is Assigned: A business sends customer information, invoices, and account details.

  2. Debtor Contact Begins: Aargon contacts the customer by phone, mail, or email.

  3. Negotiation or Payment Plan: They may offer settlements or set up structured repayment plans.

  4. Online Portal Access: Consumers can pay or dispute debts through Aargon’s website.

Industries Served by Aargon

While Aargon serves a broad range of sectors, they are particularly known for healthcare and utility collections. These industries deal with high volumes of smaller debts, and Aargon’s systems are built to manage scale efficiently.

Check out Healthcare Virtual Assistants for related back-office solutions in the medical field.



Common Issues and Complaints

Like many large-scale collection firms, Aargon Collection Agency has received its share of consumer complaints. These mostly revolve around:

1. Errors in Reporting

Some consumers report being contacted about debts they do not recognize or that have already been paid. This can happen due to:

  • Outdated records

  • Identity errors

  • Lack of timely updates from the original creditor

If you’re a consumer, you have the right to dispute inaccurate information under the Fair Credit Reporting Act (FCRA).

2. Aggressive or Repeated Contact

Although Aargon is required to follow the Fair Debt Collection Practices Act (FDCPA), some consumers claim they received frequent calls, even after requesting written communication only.

If this happens, debtors can submit a written cease-and-desist request and report potential violations to the Consumer Financial Protection Bureau (CFPB).

3. Credit Report Damage

Many consumers discover Aargon Collection Agency on their credit reports, often without prior communication. This can result in:

  • Lower credit scores

  • Difficulty securing loans or rentals

  • Emotional distress

For a guide on managing operational risk, see How to Manage Compliance for Global Teams.

What Businesses Should Know Before Hiring Aargon

If you’re a business evaluating Aargon, consider both their advantages and potential drawbacks.

Pros

  • National reach: Great for companies with clients across multiple states

  • Technology-driven: Offers portals and automated tracking

  • Industry familiarity: Especially strong in healthcare and finance

Cons

  • Reputation: Online reviews highlight communication issues with consumers

  • Impersonal service: Large firms may lack the high-touch service that small businesses prefer

  • Legal scrutiny: Past lawsuits and consumer complaints may raise concerns for risk-averse companies

If your business prioritizes brand image and personal client interactions, consider whether a more boutique agency or local partner might offer better alignment.

See How to Build Long-Term Customer Loyalty to protect your client relationships when outsourcing collections.



How to Vet a National Collection Agency Like Aargon

If your business is considering working with Aargon Collection Agency or any large debt collection firm, it’s crucial to perform due diligence. Here’s how to assess whether a national agency fits your needs.

1. Confirm State Licensing and Legal Compliance

Even though Aargon is a national agency, debt collection laws vary by state. Ensure the agency is:

  • Licensed in your state

  • Familiar with state-specific statutes of limitations

  • Compliant with both FDCPA and FCRA regulations

Ask for proof of licensing in every state where you operate or have customers.

Learn more about cross-state compliance in How to Manage Compliance for Global Teams.

2. Request References and Case Studies

Ask Aargon for examples of similar businesses they’ve worked with—preferably in your industry. Request metrics such as:

  • Average recovery rate

  • Timeline to collect

  • Success with small vs. high-value accounts

Also, speak with existing or past clients about responsiveness and customer service quality.

3. Understand Their Technology Stack

Aargon uses an online portal for debtor communication and business reporting. Ask for a demo of their:

  • Client dashboard

  • Reporting capabilities

  • Integrations with your CRM or billing software

A tech-friendly system can save your team hours of manual tracking.

4. Evaluate Their Dispute Handling Process

Ask how they handle:

  • Consumer complaints

  • Payment disputes

  • Credit report removals or corrections

You want a partner that takes dispute resolution seriously—poor management here could reflect poorly on your brand.

5. Clarify Pricing and Fee Structure

Aargon, like most national firms, works primarily on contingency—they only get paid when they collect. Typical fees range from 20% to 40%, depending on:

  • Age of debt

  • Industry

  • Volume of accounts

Ask about flat-fee options, legal escalation costs, and any minimum invoice amounts.

See Cost-Effective Strategies for Business Growth to budget for external partners efficiently.



Alternatives to Consider Before Hiring Aargon

Not every business needs a large-scale collection agency. Consider these options before making a decision:

1. Local or Regional Collection Firms

If you’re a local or regional business, a nearby agency might:

  • Provide better customer service

  • Understand local court systems

  • Charge lower fees

You may trade off scale for service—but for many small businesses, that’s a worthwhile trade.

Check out How to Choose the Right Collection Agency in New York for regional guidance.

2. Boutique or Niche Collection Agencies

Agencies that specialize in one industry—like healthcare, education, or B2B services—may have:

  • Tailored messaging

  • Higher recovery rates

  • Lower legal risk

They often take a more consultative approach and may offer support like invoicing audits or credit assessments.

Explore industry-specific outsourcing in What Are Staffing Companies?.

3. Use Virtual Assistants for Early-Stage Collection

Before escalating to Aargon, try automating your invoice reminders and follow-ups with a virtual assistant (VA) or software. Benefits include:

  • Lower cost than full collections

  • No impact on customer relationships

  • High effectiveness for debts under 60 days old

See Virtual Assistant Services for Small Businesses for low-cost, proactive solutions.



Tips for Dealing With Aargon Collection Agency as a Consumer

If you’re a consumer contacted by Aargon about an unpaid debt, here’s what you need to know:

1. Verify the Debt

You have the right to ask for a debt validation letter within 30 days of initial contact. This letter should include:

  • The amount owed

  • The original creditor

  • Instructions to dispute

Don’t ignore the letter—but don’t pay anything until you confirm it’s accurate.

2. Dispute Inaccuracies

If you believe the debt is invalid, send a written dispute via certified mail. Aargon must pause collection activities until they verify the debt.

Use the Fair Credit Reporting Act (FCRA) to request corrections if the debt is wrongly listed on your credit report.

3. Negotiate a Settlement If Needed

If the debt is legitimate, Aargon may be open to:

  • Accepting a reduced lump sum

  • Setting up monthly payments

Always get agreements in writing and request confirmation once the account is resolved.

Learn how to protect your records in Guide to Hiring Back-Office Operations.



How Aargon’s Approach Compares to Other National Collection Agencies

When evaluating Aargon Collection Agency, it helps to understand how they compare with other large-scale players in the industry. While many agencies offer similar services, the details in their processes, support, and compliance can vary widely.

1. Focus on Volume vs. Personalization

Aargon is known for handling high volumes of consumer accounts, which means their process is often more automated. This can lead to faster outreach and consistent communication but may lack the personalized attention some businesses require.

Other agencies—especially boutique firms—may assign dedicated account managers who work closely with your team to tailor collection strategies. This can improve results for complex or high-value accounts, especially in B2B settings.

See Tips for Effective Team Management to build collaborative relationships with outside vendors.

2. Compliance and Transparency

Aargon maintains licensing and FDCPA compliance across multiple states, which makes them suitable for multi-jurisdictional operations. However, they’ve also faced consumer complaints about communication practices—something common among large firms.

If regulatory compliance and client perception are key to your brand, consider agencies that emphasize transparency and customer experience as much as recovery rates.

Explore How to Achieve Efficient Back Office Operations to improve vendor oversight and accountability.

3. Access to Reporting Tools

Aargon offers online reporting tools and debtor payment portals, making it easy for businesses to track collections and see results in real time. If digital access and analytics matter to your team, this can be a major advantage.

Just ensure the agency’s platform integrates smoothly with your current systems—or consider alternatives that do.



Final Considerations for Business Owners

Working with a large firm like Aargon Collection Agency can be the right fit for certain businesses—but it’s not a one-size-fits-all solution. Here’s a quick summary to help guide your decision:

Aargon May Be a Good Fit If You:

  • Have customers across multiple states

  • Need a scalable, automated collection solution

  • Are in a regulated industry like healthcare or finance

You May Want an Alternative If You:

  • Have fewer, high-touch client relationships

  • Operate in a single state or region

  • Prefer dedicated account support over automation

Best Practices When Hiring Aargon or Similar Firms:

  • Start with a small batch of accounts as a test

  • Monitor customer feedback and complaints closely

  • Set clear service level agreements (SLAs)

  • Maintain control of brand messaging during collection

Remember: No matter who collects your debts, your brand reputation and legal responsibility remain on the line. Choose a partner who aligns with your business values and treats your customers with professionalism.

See How to Build Your Dream Team to build smart partnerships in every business area.



OpsArmy: Your Partner in Smarter Business Operations

OpsArmy is building AI-native back office operations as a service (OaaS). We help businesses run their day-to-day operations with AI-augmented teams, delivering outcomes across sales, admin, finance, and hiring. In a world where every team is expected to do more with less, OpsArmy provides fully managed “Ops Pods” that blend deep knowledge experts, structured playbooks, and AI copilots. Think of us as your operational infrastructure: running faster, leaner, and smarter business execution. Visit operationsarmy.com to learn more.



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