If you are unable to collect a debt, or would like to outsource the debt collection, then you have the option of engaging the services of a debt collector or of a debt collection attorney. Below are the advantages of choosing a debt collector:
| Debt Collector | Debt Collection Attorney |
| Negotiates with debtor | Legal court process – costly |
| Highly experienced at tracking debtors | Not always successful at tracking debtors |
| Payment based on results – commission based | Requires payment regardless of results |
| Takes all legal actions required for successful debt collection | Will only advise on the matter and won’t act unless instructed to do so |