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Utah Collection Agency



AAB is an Utah collection agency that specializes in commercial collection recovery. Below you will find the guidelines for UT or Utah commercial collection recovery. We cover all of Utah or UT and for over 40 years we have been providing commercial debt recovery. This is just another good reason to make AAB your choice for a Utah collection agency.

Our commercial collection agency handles Utah debtors in Bountiful, Centerville, Cottonwood Heights, Draper, Kearns, Layton, Logan, Midvale, Murray, Ogden, Orem, Provo, Roy, Salt Lake City, Sandy, South Jordan, St George, Taylorsville, West Jordan, West Valley City and other cities in Utah.

It should be noted that in Utah when a personal loan agreement does not contain a provision requiring interest to be paid above and beyond the usury cap, the courts will lower the interest rate to 10% or below. If the interest rate is well above 10% may be considered to be an illegal contract and the entire loan agreement may be struck down and be considered unenforceable

Below there are summary points on Utah collection recovery regulations and Laws that affect a Utah collection agency. It is recommended to consider these points when contemplating listing commercial debt for collection with a Utah collection agency.

Utah Collection Laws



NOTE: The Utah commercial collection recovery guidelines below are summary in nature and subject to change. While we make every effort to insure accuracy, the collection information below should not be considered legal advice or to be one hundred percent accurate. No warranty is expressed or implied and AAB assumes no liability for its use.

Utah Collection Interest Rates



Utah Legal Rate: 10% without written agreement
Contract Rate: Contract rate or 10%
Judgment: Unless specified in writing, interest at the federal post judgment interest rate as of January 1 of each year, plus 2%
Usury % Cap: 10% unless written loan provision providing for higher rate

A Utah Collection Agency can only charge interest at the rates above.

Utah Statute of Limitations



Utah Contracts: 6 Years
Oral: 4 Years
Judgment:8 Years

Bad or NSF Check collection charges in Utah


Utah requires a 15 Day Notice of Dishonor wither written or oral. After the notice and expiration of the fifteen days, debtor responsible for Amount due, interest, court costs, reasonable attorney's fees, plus $20 bad check fee. Note: Numerous conditions for bad checks in Utah.

Utah Collection Agency Laws


Utah State Licensing: Registration Required
Agency Bond: YES - $10,000
State Fees: $32 Collection Agency registration

Information above on commercial collections and the Utah Collection Agency Laws is provided to help potential Clients looking for a Utah collection agency. We encourage potential Clients to request a free consultation on services offered by our Utah Collection Agency .
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Utah Cities

Bountiful, UT
Centerville, UT
Cottonwood Heights, UT
Draper, UT
Kearns, UT
Layton, UT
Logan, UT
Midvale, UT
Murray, UT
Ogden, UT
Orem, UT
Provo, UT
Roy, UT
Salt Lake City, UT
Sandy, UT
South Jordan, UT
St George, UT
Taylorsville, UT
West Jordan, UT
West Valley City, UT