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Smart Choice Financial, Debt Collection Specialists

About Us

debt collectioins agency

Experienced, Comprehensive Debt Collections

Smart Choice Financial  is a collection agency that prides itself in  results. We recognize that our clients are our  greatest asset and deserve to be treated as such. We are dedicated to your success. Our company's objective is to become your collection partner by providing you with a stress free way of collecting your outstanding receivables. This will allow your firm to focus on your business. Our Fees start as low as  20%  At the end of the day if we don't collect you don't pay! You have everything to gain and nothing to lose!  

debt collections agency

The Highest Standards

Smart Choice Financial  is committed to high standards and driven to recover your money as quickly as possible. When you want quick results but are hesitant to submit your clients in to a collection agency because you feel it might upset the client. Call Smart Choice Financial  so we can explain our Pre Collection methods. We don't make money unless we collect! We send out the letters and do the follow up phone calls for you. 

Debt collections agency

Why Smart Choice Financial

  • No Hidden Fee's,
  •  No Monthly Charges, 
  • No Setup Fee's. * 
  • Our staff is highly skilled, trained, professional, and fully bilingual. * 
  • We will automatically generate a letter for each account submitted. *  
  • We report to All Major Credit Bureaus. *
  • We don't get paid unless we recover your assets *



San Diego, CA

Debt collection agency

"Outstanding service! After trying two other debt collection agencies we finally came across Smart Choice Financial and the name suits them well." ~ David DeCarlo

Dayton, OH


"We have finally found our go to debt collections agency and have reached 100% claim resolution. We couldn't have done it on our own." ~Andres Garcia

Phoenix, AZ


"With a service that is responsive, communicative, and involved, you can't go wrong with this team." ~Michael Buchanan

Contact Us 951-800-2248

We  strive to stay in communication with our clients. Have a question about  our debt collection  practices, or want to see if we match your needs? Send us a  message, or give us a call.


Smart Choice Financial