About Us

Founded in 2003, A&J Collection Agency has been providing exceptional debt collection services in Puerto Rico for two decades. Our mission is to offer the highest level of professionalism and efficiency to our clients, ensuring their debts are collected in a timely and ethical manner. We pride ourselves on our deep understanding of the local market and our ability to tailor our services to the unique needs of each client.

Our team of experienced professionals is dedicated to providing a seamless and stress-free collection process. We understand the importance of maintaining positive relationships with debtors while working diligently to recover outstanding debts. Our commitment to effective communication and a customer-centric approach has earned us a reputation as a trusted partner for businesses across Puerto Rico.

At A&J Collection Agency, we use state-of-the-art technology and industry best practices to deliver results that exceed expectations. Our customized approach allows us to offer a wide range of services, including:

  • Commercial debt collection
  • Consumer debt collection
  • Medical debt collection
  • Legal collections
  • Telecommunications debt collection
  • Skip tracing and asset location
  • Open opportunity for more services

As a leader in the debt collection industry in Puerto Rico, we are committed to upholding the highest standards of integrity and compliance with all applicable laws and regulations. We are proud members of various professional associations, ensuring that we stay up-to-date with the latest trends and best practices in the industry.

At A&J Collection Agency, your success is our priority. We look forward to partnering with you to help your business thrive.


At A&J COLLECTION AGENCY, we take pride in our executive directors' wealth of experience in managing past due and lost accounts in the banking and commercial industries. With over 40 years of experience in this field, our executive directors possess vast knowledge and expertise in both collection and administrative areas.

Our executive directors have a proven track record of success in the industry, having loaned their services to leading banking institutions for over 12 years. During this time, they played a vital role in managing and collecting different types of debts, including loans, credit cards, past due accounts, and charge off accounts, among others.

Their vast experience has made them highly recommended in the industry, and their expertise is invaluable in guiding our team of highly skilled professionals to achieve optimal results for our clients. At A&J COLLECTION AGENCY, we ensure that all of our personnel receive comprehensive training to equip them with the knowledge and professionalism needed to handle different types of debts efficiently.

With our executive directors' leadership and our team's expertise, we have all the infrastructure and information systems necessary to handle and administer different types of debts. We are committed to providing our clients with diligent and efficient service, and we strive to maintain the highest levels of professionalism and integrity in all our dealings.


At A&J COLLECTION AGENCY, we are fully committed to our clients and possess all the human and technological resources and experience necessary to provide an excellent service and achieve our clients' objectives.

Our company maintains a professional, respectful, and honest relationship with our clients. We are committed to safeguarding the integrity, image, and good reputation of our clients. We adhere to all proceedings required by the law of the Commonwealth of Puerto Rico for this industry, work, and service.

At A&J COLLECTION AGENCY, we treat debtors with high respect, dignity, and a sense of humanity. We always operate within the parameters established by the institution or company that hires our services and in accordance with all applicable state and federal laws. Trust us to manage and collect your debts with the highest level of professionalism and commitment.

Pay Online

We're pleased to offer you the convenience of paying your debt online. With just a click of a button, you can easily make a payment from the comfort of your own home. To get started, simply click on the "Pay Online" button and follow the easy steps to complete your transaction securely. It's fast, safe and hassle-free! Don't wait any longer to take care of your debt - pay online today and enjoy peace of mind knowing your payment is made. Thank you for choosing our agency.

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Contact Us

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Visit Us

Ruíz Gandía #157 Arecibo, PR 00612

Phone: 787-880-5046

Email: info@ajcollection.com