receives compensation from some of the companies listed on this page. Advertising Disclosure


National Service Bureau Review

Skye Schooley
Skye Schooley

National Service Bureau is a Washington-based agency that serves both consumer and commercial collections throughout the United States. National Service Bureau provides a transparent, easy-to-use website to initiate account collections.

National Service Bureau

National Service Bureau

The Verdict

National Service Bureau is best for businesses that need precollection help on delinquent accounts. It is great for first-time collections, since it provides a variety of educational resources.

It charges a percentage of the funds it collects on each account. It does not list its exact rates on its website.

They use a series of tactics to communicate with debtors by mail, email, fax and telephone. If precollections, letter service and third-party collections do not work, National Service Bureau can take your accounts to litigation.

National Service Bureau is transparent about its collection process and provides clients with timely status updates on each past-due account. The agency provides an online client portal to manage accounts, as well as an online payment portal for debtors. It is not an accredited member of the Better Business Bureau. National Service Bureau has an A rating.

View all our recommendations for collection agency services on our best picks page.

Best Features

National Service Bureau offers a variety of services, including precollection. The agency claims that the early intervention sends a timely message to a debtor, and the company claims they are typically able to resolve past-due accounts prior to placing them in full collection. National Service Bureau works with their clients to customize programs for each account, resulting in greatly reduced collection fees.

If your delinquent accounts require legal action, National Service Bureau offers in-house litigation services. The agency will consult you before sending your account to litigation, and once a judgment is obtained, they will continue with writs of garnishment and various asset attachments. They also offer collection on existing judgments. Affiliated attorneys work on each account for 60 days.

National Service Bureau offers several helpful resources for its clients, including an e-book for improving your accounts receivable process and a breakdown of the collection process, so clients are aware of the measures they take each step of the way. Additionally, there is a blog covering subjects like the collection process, collection compliance and how to work with agencies.


National Service Bureau does not list its rates online, nor can you contact them for a price quote online. Several agencies we evaluated disclose their fees, including the percentage they take to collect on accounts. Instead, you'll have to call to speak directly with an agent for a quote or request a consultation via their online contact form.    

Another drawback with National Service Bureau is its negative reviews and lack of Better Business Bureau (BBB) accreditation. NSB has received a number of consumer complaints; however, nearly one-third have been closed, and the complaints are predominately from debtors, not clients.

Industry Focuses

National Service Bureau is a national collection agency that has expertise in a wide variety of commercial and consumer debt. It works with clients located in the United States and follows the Fair Debt Collection Practices Act (FDCPA), the Health Insurance Portability and Accountability Act (HIPAA), the Telephone Consumer Protection Act (TCPA) and the Fair Credit Reporting Act (FCRA).

Although the company can collect on all types of debt, its collectors specialize in the following industries: 

  • Commercial collections
  • Education collections
  • Financial services (see below for specializations)
  • Property management
  • Insurance
  • Medical
  • Telecom and utilities
  • Retail
  • Assisted living
  • Online lending and Fintech

Specialized financial collection services

  • Banks and credit unions
  • Student loan companies
  • Credit card and check-processing firms

For any questions you have about its services and costs, you can reach the National Service Bureau by calling, emailing or filling out of form online. If you fill out the online form, a collection specialist will contact you within 24 to 72 business hours.

Editor's note: Looking for a collections agency to help your business recover customer debt? Click the Compare Quotes button below to have our vendor partners contact you with free information.



Image Credit: Getty Images
National Service Bureau

National Service Bureau

The Verdict

National Service Bureau is best for businesses that need precollection help on delinquent accounts. It is great for first-time collections, since it provides a variety of educational resources.

Skye Schooley
Skye Schooley Staff
Skye Schooley is a staff writer at and Business News Daily, where she has written more than 200 articles on B2B-focused topics including human resources operations, management leadership, and business technology. In addition to researching and analyzing products that help business owners launch and grow their business, Skye writes on topics aimed at building better professional culture, like protecting employee privacy, managing human capital, improving communication, and fostering workplace diversity and culture.