What is the difference between a consumer and a commercial collection?

Answering this question correctly helps route your account to the proper collection agency.

When submitting a debt to collections with CollBox, one of the first questions you'll be asked is: “Is this a consumer or commercial collection?” If the account is an individual who owes you money, select “Consumer”. If it is a business, select “Commercial”.


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This question is important because some collection agencies in our network specialize in commercial collections, and others in consumer accounts. You will want to ensure this question is answered accurately so that the debt is properly routed to an agency that can work the debt effectively. If the collection is improperly marked, the collection will be cancelled and will need to be submitted again.