Innovative Debt Recovery, Inc. is an Arizona-based collection agency that has been leading the way in collection efforts since 2004. We pride ourselves in our adherence to high standards and our loyalty to clients.

Our Services

Third-Party Collections

Exhausted efforts to collect on a debt in-house?  Hire us to continue collection efforts. Our experienced staff is trained to work with past due accounts from a variety of different industries. Contact us today to discuss our collection efforts and see how we can help you recover unpaid monies. 

Legal Collections

We offer Legal Forwarding. We keep your accounts moving through the escalation process by forwarding challenging accounts to our law firm. Litigation is not recommended unless an account meets specific criteria, and never without prior authorization. Read more about our collection process here.

Judgment Recovery

Our agency is experienced in Judgment Recovery. We accept court judgments and have a high success rate in reconciling them in a voluntary way. If needed, we are able to execute on a garnishment or asset seizure. Learn more about Judgment Recovery here


We take compliance very seriously. In the age of burdensome regulations, it is smart to entrust collection matters to an agency that prides itself on respect and the adherence to industry regulations. We have an in-house compliance officer that trains, monitors, and reports on compliance matters for our agency.  Read more about our pledge to compliance.

Commercial Collections

We have dedicated and experienced commercial collectors. Collecting from a business can be frustrating. Choosing an agency that doesn’t have the experience or understanding in this area can add to the frustration. We understand the complexities of negotiating repayment and have a great success record with commercial accounts. Read more about commercial collections here.


We have a great team of skip-tracers. We use state-of-the-art databases, tools, and techniques to locate debtors that have stopped responding to communication efforts. We discover new addresses, phone numbers, employers, relatives, and assets. Our team of experienced skip tracers update this information and pass it to our agents so they can pursue collection efforts. Read more about skip tracing here. 

Now you can pay online!

Innovative Debt Recovery now has an online payment portal! We accept payments on your account by Visa or Mastercard 24 hours a day, 7 days a week. Please have your reference number on-hand for the checkout process.

We Simplify Collections

We make doing business with us easy. We work based on a contingency structure.There’s no money up front on your end, and we don’t get paid until you do.

About Our Logo

Our logo is a play on the term “thinking outside the box”. During our time in business, we have been faced with many collection scenarios that seemed insurmountable and challenging at the time. We have always lived by our motto, however, and used unique methods to approach challenging situations. Sometimes the problem just takes looking at the situation creatively. We assure you, we have a collection process for any industry! We pride ourselves on “thinking outside the box”. That is why it has become a part of our logo, and a major part of our business mentality.

Looking for a Great Place to Work?

We are always looking for experienced agents to join our dynamic team. We offer great benefits, competitive pay, and commissions. We would love to see your résumé!