collection agency

noun
a firm that collects unpaid bills for other firms and is usually compensated by receiving a percentage of the amount collected.
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Based on the Random House Dictionary, © Random House, Inc. 2014.
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Example sentences
However a common tactic is to have a levy on lubricant sales which finances a
  collection agency.
Once your loans go into default, your lender would probably turn your account
  over to a collection agency.
One reason they might feel better: fewer medical bills sent to a collection
  agency.
The loan might be turned over to a collection agency.
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