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Collection Procedures for Past Due Accounts

Texas A&M University-Commerce expects students to pay their accounts and loans when due. Failure to pay on time does have consequences for students and may include late charges, registration/transcript holds, restricted access to institutional loans, or referral of their debt to an outside collection agency.

The university works with students who are past-due, but if a solution cannot be worked out, the university follows the collection procedure outlined below:

Late notices (bills or letters) are mailed approximately 30 calendar days after the end of the term.

Second notices are mailed approximately 60 calendar days after the date of the first letter. 

Uncollected accounts and loans can be referred to a collection agency approximately 90-120 calendar days after the end of the term.

As a last resort, accounts and loans are referred to outside collection agencies. Students can avoid that action by working with us to develop a mutually satisfactory repayment plan. However, if no response to our inquiries is received or no cooperation is forthcoming, the university will proceed with formal collection action. When an account is referred to an outside collection action, the past due account or loan in question will be reported to all national credit bureaus. Please be aware that unlike consumer credit card debt, past due amounts owed to governmental agencies (like Texas A&M University-Commerce) may stay on a credit report for an indefinite period-they do not "go away" after a few years. These items may create difficulty at a later date when applying for a home mortgage or other types of credit.

Once your account is referred to an outside agency, students will be contacted by a representative of that agency. Payments are then made through that agency-not to the university. Students may also be liable for collection fees in addition to the university account or loan balance. Students, like any other debtor, have certain rights under Federal law. Please refer to for text of the Fair Debt Collections Practices Act. This Act outlines the duties and responsibilities of debtors, creditors, and outside collection agencies.  

At this time, the university has contracts with the following collection agencies:

Williams & Fudge

National Credit Management