SCB COLLECTION SERVICES
Customized plans for every industry sector

Consumer Collections
Specialized Collections Bureau excels in consumer debt collection. Our collectors' human-to-human contact with debtors in conjunction with our individual client relations and the unique, highly experienced collection team, enables us to recover our clients' outstanding receivables and continue to demonstrate our proven results time and time again.
We understand the importance of good manners when it comes to collections and execute with firm, yet compassionate, language and tact always adhering to our goal to treat consumers professionally with dignity and respect. At SCB, we strive to help consumers by working with them to agree to arrangements that can work for everyone. We proudly go the extra mile when working with clients and consumers alike.

Commercial Collections
As your commercial collection agency, Specialized Collections Bureau allows you and your team to focus on your business while our experienced team recovers funds from your delinquent accounts. Early identification and timely placement of your commercial collections are crucial for successful recovery. Our in-house team combined with our customized approach produces results while protecting your valued business relationships.

Judgment Recovery & Enforcement
Our Judgment Recovery Division, SCB Judgment Enforcement is managed by a Certified Judgment Recovery Enforcer with over 35 years of experience in locating hidden assets and successfully collecting on court-ordered debt.
Most "no upfront cost" agencies limit their working time and collection efforts to property liens, wage garnishments and bank levies thereby limiting their enforcement abilities. In conjunction with you, SCB Judgment Enforcement conducts a comprehensive asset investigation and forensic audit to determine the fastest route to enforcing and collecting the court ordered judgment. We review up to 22 possible methods of collections and move swiftly on the best methods to enforce while covering all enforcement court costs, process
service and sheriff fees along the way.
The court is not a collection agency. The court simply reviewed the evidence at the time of hearing and ruled on who owes the money.
The courts job is to allow you a means of filing your original complaint, having the facts heard and presented in front of a judge who makes a decision based on the facts presented as to who owes the debt. Once this decision is made (judgment is entered), the court's job is done. The court may provide a forum for the debtor to make payments on the judgment through the court clerk, but the ultimate responsibility for enforcing the judgment is on the Judgment Creditor and not the court.
You can, if you are willing to pay a large retainer, which is usually based on the attorney's hourly fee of between $250 to $450 per hour. Most attorneys do not have expertise in the enforcement and collection of a court judgment and in fact, many will refer their clients to a Judgment Recovery Agency.
In today's world, most transactions leave some sort of paper trail. Armed with the right resources, it is becoming increasingly difficult to hide in today's high-tech society. We use legal means of locating debtors and assets, including computer research, credit reports, public and non-public records, court research, mail and phone tracing, records obtained by subpoena and gumshoe tactics requiring in-the-field investigation. We have legal access to information not available to the general public and are approved to utilize "restricted" databases used by law enforcement and investigative agencies. We are authorized by the court to enter the 'secure' files area, which increases the efficiency of our research/investigations. The majority of debtors are ultimately located.
In California a judgment is valid for 10 years; however, if renewed prior to 10 years, it is extended for another decade. Criminal judgments do not require renewal.
Yes, both state and federal judgments earn interest. California CCP §685.0l0(a) provides that interest accrues on state judgments at the rate of 10% per annum on the principal amount of a money judgment remaining unsatisfied. Federal judgments follow a more complicated formula, tied the weekly average 1-year constant maturity US Treasury yield, as published by the Federal Reserve System.
An out-of-state judgment is not enforceable in California until it has been 'domesticated' as a California judgment per CCP §§1710.10-1710.65. This is a procedure which involves filing an application with the court along with authenticated copies of the foreign judgment. It does require service and notice on the judgment debtor and there is a 30-day stay on enforcement, allowing the debtor to challenge the new judgment. The process of domesticating a federal judgments is seamless and requires no such notice to the debtor.
The rate of recovery is not readily determinable because each case has its own peculiar problems, and no file is closed until collected. Thus a debt which remains uncollected today may be satisfied tomorrow. However, with our highly experienced and knowledgeable team at SCB Judgment Enforcement, we are proud to say that our
recovery rate well surpasses the national average.
Payment Options
Online Payment Options via Credit/Debit Cards
You can now make a payment online using your account number from your most recent letter. You will be redirected to a secure payment portal. All payments by check are free.
If you have any questions please call our Customer Service department at (619) 281-3200.
Pay by Mail
Send a cashiers check, personal check or Money Order payable to:
Specialized Collections Bureau
2605 Camino del Rio S. Suite #321
San Diego, CA, 92108
Pay with a Representative:
Call us today (619) 281-3200

Any payment(s) returned as NSF or closed account will incur an additional fee of $35.00.
Any late payment(s) will incur an additional fee of $25.00.
Your business is owed money,
CONTACT us today to recover it.
Please fill out this form and one of our sales consultants will contact you to discuss how Specialized Collections Bureau will be successful in collecting your delinquent accounts!