Commercial collection agencies come in all sizes and skills levels. Some are just Mom-n-Dad small businesses and others have hundreds of employees. In both large and small commercial collections firms there are good and bad places to be doing business with. One really quick way to determine if your commercial collection agency is a good one is to find out if they keep the money that they collect for you in a separate trust account so that it is not commingled with their funds. If a collection agency is sued by a debtor for any reason, you do not want your funds mixed-up with their common accounts that can be attached if something goes wrong in another part of their business.