Saba & Associates Washington State Collection Agency

Recovering Debt Across Washington State Since 1975

As Washington State’s premier collection agency, Saba & Associates helps businesses from Seattle to Spokane recover past-due accounts quickly and professionally. Let us handle your collections while you focus on what matters most—running your business.

We Don’t Get Paid Unless YOU Get PAID

Free Consultation CALL (360) 779-3646

Comprehensive Collection Services

Commercial Debt Collection

Commercial Debt Collection

Our collection agency specializes in business to business debt recovery across all industries. From unpaid invoices we handle commercial collections of any size throughout Washington State

VIEW ALL
Medical Debt Collection

Medical Debt Collection

Healthcare providers throughout Washington State trust our HIPAA-compliant collection services. We recover outstanding balances while treating patients with dignity and respect.

VIEW ALL
Contractor Debt Collection

Contractor Debt Collection

Our collection agency helps contractors recover on delinquent accounts.

VIEW ALL
HOA & Community Association Collections

HOA & Community Association Collections

Our collection agency specializes in recovering unpaid HOA dues, special assessments and violation fines.

VIEW ALL
Collect Now View all services

Premier Washington State Collection Agency Services

For nearly five decades, our agency has delivered exceptional results for businesses throughout the Evergreen State. We combine deep knowledge of Washington State collection laws with proven recovery strategies to maximize your returns.

Why Choose Our Washington State Collection Agency?

  • Washington State Expertise
    We work within the limits of the law while collecting your delinquent accounts. Our team understands the nuances of collecting debts in Washington State’s unique business environment.
  • Proven Track Record
    Since 1975, our collection agency has recovered millions for businesses across all 39 counties. We consistently exceed national recovery rate averages through personalized service and strategic collection methods.
  • No Risk, All Reward
    Our contingency-based model means we only get paid when you get paid. Zero upfront costs, zero monthly fees—just results.
Contractor with past due accounts
Contractor payment being received

Let us help you focus on running your business

get paid

We work to get you paid as quickly as possible

Ease your worries

We do the collecting so you can focus on your business

keep relationships

Our courteous professional will keep your relationships intact

Collect Now

Serving Every Corner of Washington State

Our collection agency proudly serves businesses in:

Western Washington

  • Seattle
  • Tacoma
  • Bellevue
  • Everett
  • Spokane Valley
  • Kent
  • Renton
  • Bellingham
  • Vancouver
  • Federal Way

Eastern Washington

  • Spokane
  • Yakima
  • Kennewick
  • Pasco
  • Richland
  • Walla Walla
  • Wenatchee
  • Moses Lake

And all cities throughout Washington State

Serving Every Corner of Washington State

What Makes Us Washington State’s Leading Collection Agency?

Washington State's Leading Collection Agency
  • Local Knowledge, Statewide Results
    Operating in Washington State since 1975 gives us unparalleled insight into local business practices, court systems, and debtor behavior patterns unique to our state.
  • Advanced Technology Meets Personal Service
    Our agency combines cutting-edge collection software with hands-on professional expertise. The result? Superior recovery rates and satisfied clients.
  • Relationship Preservation
    We understand that many of your debtors are customers you want to keep. Our professional, respectful approach maintains relationships while securing payment.
  • Washington State Law Compliance
    Full adherence to:
    • RCW 19.16 (Collection Agency Act)
    • Fair Debt Collection Practices Act (FDCPA)
    • Consumer Financial Protection Bureau (CFPB)
    • Washington State Consumer Protection Act
  • Fast Response Times
    The sooner you place an account with us, the higher your recovery rate. We begin working immediately to stop the clock on your aging receivables.

Industries We Serve Across Washington State

Our agency has deep experience in:

  • Construction & Contracting
  • Healthcare & Medical
  • Manufacturing
  • Wholesale & Distribution
  • Professional Services
  • Retail
  • Technology
  • Transportation & Logistics
  • Government Accounts – such as Public Schools, Ports any account that falls under RCW 19.16.500 which allows us to add the cost of collections to the account! 100% return!
We Serve Across Washington State

The Cost of Waiting

Saba & Associates Collections Agency

Time Is a debtor’s best friend

Every day you delay placing accounts with a collection agency, your recovery rate drops. Industry statistics show:

  • Accounts 90 days past due: 73% recovery rate
  • Accounts 6 months past due: 57% recovery rate
  • Accounts 1 year past due: 26% recovery rate

Don’t let your hard-earned money disappear. Contact Washington State’s most trusted collection agency today.

We understand how late payments can cause problems for businesses

Our dedication to excellence since 1975 has propelled us to surpass the national average in recovery rates. Through a combination of hands-on expertise and cutting-edge computer technology, we consistently achieve the best possible results for our clients.

YEARS OF EXPERIENCE
customers served
Collection Agency - We work to get you paid as quickly as possible

Testimonials

  • So happy we are working with SABA
    We recently started working with Saba and have had immediate results. They are friendly, timely and get the job done with compassion and understanding. We are so grateful to be working as a team with SABA. Our team there is easy to reach and super supportive. We have constant communication from them and never have to wonder where we are at with our accounts. So happy we are working with SABA. Special shout out to Ron Thank you for your help during this transition!
    PhysioStrength
  • We have had only positive experiences with SABA
    I’ve read some of the negative reviews & it doesn’t even sound like the same company we work with. Every time I have called they have answered promptly and always have an answer for me. They deliver quick results and on top of it! We have been happy and have been using for about a year now!
    Pearl Chiropractic
  • great customer service!
    They helped us recuperating funds from clients we did not expect to pay. Prompt follow ups, kept us update on their progress, great customer service!
    Sylvan Learning of Seattle
Read More reviews

How Our Washington State Collection Agency Works

Step 1

Contact Us

Reach out to our agency for a free, no-obligation consultation. We’ll review your accounts and explain our process.

Step 2

We Take Action

Our experienced collectors immediately begin recovery efforts using Washington State-compliant strategies proven to get results.

Step 3

You Receive Payment

We work diligently to collect your money fast. When we succeed, you get paid—it’s that simple.

Start Recovering Your Money Today

Call Us: (360) 779-3646
Or Request Your Free Consultation Online

Frequently Asked Questions

Our nearly 50 years serving Washington State businesses, combined with our contingency-based model and superior recovery rates, make us the clear choice for debt collection throughout the state.

Yes! Our Washington State collection agency serves businesses in all 39 counties, from the San Juan Islands to Pullman, and everywhere in between.

We handle commercial, medical, contractor, and consumer debts of virtually any size. Contact us to discuss your specific situation.

We can begin collection efforts immediately—often within 24 hours of receiving your account information.

Your Trusted Washington State Collection Agency Since 1975

Saba & Associates Collections

Recovering debt for Washington State businesses for nearly five decades. Let us put our experience to work for you.

We Don’t Get Paid Unless YOU Get PAID
Collect Now