Aug 26, 2022

Commercial Debt Collection in El Paso

Located on the western side of Texas is El Paso, a city of almost 680,000 residents as of 2020. El Paso is the 23rd largest city in the United States, the 6th largest city in Texas, and the 2nd largest city in the Southwestern United States. Of the almost 680,000 residents, approximately 81 percent of them are Hispanic, which makes El Paso the 2nd largest majority-Hispanic city in the US.


Safety in El Paso

El Paso, which has consistently been ranked as one of the safest large cities in the US, sits near the Mexico—United States border from Cuidad Juárez. As a five-time All-America City Award winner, El Paso is proud of its community and demonstrates an inclusive civic engagement system.

El Paso has an incredibly strong military and federal presence, which includes the presence of the William Beaumont Army Medical Center, Biggs Army Airfield, and Fort Bliss. Other Federal branches headquartered in El Paso include the:

  • Drug Enforcement Administration domestic field division 7
  • El Paso Intelligence Center
  • Joint Task Force North
  • US Border Patrol El Paso Sector
  • US Border Patrol Special Operations Group


El Paso Geography

The geography of El Paso is quite incredible and holds many different values. As a city made up mostly of land, El Paso reaches almost 260 square miles of area. El Paso sits at the intersection of three states: Texas (USA), New Mexico (USA), and Chihuahua (Mexico). The city’s elevation is more than 3,700 feet above sea level and it is located within the Chihuahua Desert, the easternmost section of the Basin and Range Region which covers much of the inland Western United States and northwestern Mexico.

Because of El Paso’s location in the United States, it has a very transitional climate which includes a cold and a hot desert climate. During summer months, El Paso weather offers little humidity; then in winter months, the city offers cool to mild dry weather. During winter seasons, El Paso typically receives a good amount of snow—sometimes producing over 1 foot of snow.


Commercial Debt Collection Laws

Many of the leading drivers of city-wide revenue in El Paso are in from industries such as: international trade, military, government civil service, oil and gas, health care, and tourism. In addition, the city has become a significant location for American-based call centers.

For businesses struggling either with commercial debt issues, El Paso has established commercial collection laws to work with. The interest rate on legal cases is 18% with an agreement, and can charge up to 6% without agreements. The city also has a list of statute of limitations for a variety of kinds of accounts:

  • Open accounts: 4 years
  • Written contracts: 4 years
  • Promissory note: 6 years
  • Domestic judgments: 10 years (renewable)
  • Foreign judgments: 10 years (renewable)


Contact Prestige Services, Inc.

If El Paso business is struggling with commercial debt challenges, contact Prestige Services, Inc., either for a free quote or to begin using our debt collection services. Our team works to ensure quality commercial debt collection that works within El Paso and Texas’ laws. We always stay up to date on collection licenses, industry news, and economy data, which all influence the level of services we provide.

For more information on commercial debt collection laws in Texas, visit our Texas Laws page. To contact Prestige Services, Inc., call us at (800) 523-2797, email us, or use our contact form to describe your business/situation and how we can help you.


We are an international collection agency and service the entire U.S. as well as foreign countries. In addition, we represent clients from any country outside the U.S. Let us know how we can help you today! Contact us here »

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