National B2B Commercial Debt Collections, with a Local Feel

Central Mercantile Collection Services is a national commercial business-to-business debt collection agency based in the Metro Detroit area.  CMCS was founded in 1984 by Dale Smith; today our management staff has over 100 years of hands-on debt collection experience.  We are dedicated to being your full-service debt collection solution by increasing the percentage of debt recovery in a professional manner, while preserving client image. We handle specialty collections for insurance companies as well as commercial accounts for clients in all 50 states. CMCS is a contingency based agency and there are no upfront fees or sign-up Charges for placing claims with our collection agency. We receive a fee only if we are able to collect on the account. If we do not collect your claim we will not charge a fee for our services.  We also allow free revisions, free demand, and free credit reports* for our clients.

* Free credit reports are available for clients who place 10+ accounts per month, with a collect-ability index of 50% or better.  Each claim over $5000 entitles you to one business profile report.  If you are interested in participating in the free credit report program it must be discussed when the claim is first placed.


CMCS Offers National Debt Collection With NO SET-UP FEES, NO Contracts, and Flexibility You Won’t Find Elsewhere

CMCS offers  “Free Demand Service” to all our clients.  We also offer back-end access through our website so that you can stay informed about your case.  -Other services that include:

  • Clean up projects on 20+ accounts at a pre-negotiated rate
  • 1st and 3rd party services combined or separate
  • Pre-collect letter services at industry leading rates– starting at just $7.50 per account
  • Temporary collector program.  If you are creating debt load at a higher rate than your normal credit staff can handle, CMCS will provide and experienced collector at an hourly rate similar to a temp service.
  • Credit reports via Experian.  We have partnered with One Credit to provide a seamless solution for your credit department.  Billed monthly, and available on your desktop you will receive all the information you need without a yearly contract and no minimum billing.  See our File Downloads page for samples.


Take Advantage of Our Network of Experienced And Powerful Commercial Collection Attorneys.  

Over the last 30 years, CMCS has developed a nationwide network of effective collection attorneys. The ALQ, and the Commercial Law League lists are the basis for our assignments through each attorney in our network has a file of past cases that are reviewed periodically for quality of service.   Though we’re based in Michigan/Minnesota, our company can select a debt collection attorney in the same city as the debtor. We will demand payment in full or start a law suit and reduce to judgment to force a debtor to pay.


Quickly Enjoy A More Profitable Business With Tested And Proven Debt Collection Strategies Since 1984

CMCS takes great care in the hiring and training of all personnel to assure that professionalism is maintained on all levels. We seek to hire only collectors with extensive collection experience. While our primary objective is to collect the monies, we are also concerned with maintaining the continued goodwill of our clients. We abide by a strict code of ethics, which we monitor constantly in order to protect your best interests.

If you have never tried CMCS in the past, now is the time to see what a full service boutique agency can provide.  You’re not just a client number at CMCS; we take the necessary steps to understand your needs and goals to provide our services in a manner consistent with your expectations. Take the step today, and join the hundreds of corporations that choose CMCS every year, year after year.


Get The ‘Unfair’ Advantage For Collecting Unresolved Debts. Call (800) 223-6259 Now For Your FREE Evaluation!