Recovering outstanding receivables in Indiana requires a deep understanding of the Indiana Collection Agency Act. From the manufacturing hubs of Elkhart to the healthcare networks of Indianapolis, Nexa provides the localized expertise to turn “uncollectible” accounts into cash flow.
Nexa provides 100% reputation-safe, equipped with all 50-state collections license, offering free credit reporting, free litigation/bankruptcy scrubs, and zero onboarding fees. Secure – SOC 2 Type II & HIPAA compliant.
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The Indiana Legal Landscape (Summary)
Indiana is more creditor-friendly than many neighboring states, but strict compliance with the Indiana Department of Financial Institutions and Secretary of State is required.
| Debt Type | Statute of Limitations | Indiana Code (IC) |
| Written Contracts | 6 Years | IC § 34-11-2-9 |
| Open Accounts | 6 Years | IC § 34-11-2-7 |
| Medical Debt | 6 Years | Subject to Transparency Rules |
| Wage Garnishment | ALLOWED | Up to 25% of disposable earnings |
Key Indiana Rules:
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Wage Garnishment: Indiana allows for the garnishment of wages (unlike Texas), making it a powerful tool for B2B and consumer recovery.
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Interest Rates: The legal interest rate is 8% unless a higher rate is specified in a written contract (capped by usury laws).
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Licensing: All agencies must be licensed by the Indiana Secretary of State. Nexa is fully bonded and compliant.
Cost-Effectiveness: The Nexa Advantage
We offer a dual-track pricing model designed for Indiana’s thin-margin industries:
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Fixed-Fee Recovery ($15/account): Best for high-volume, early-stage accounts. Debtors pay 100% directly to you.
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Contingency Service (20%–40%): Our “No Recovery, No Fee” model. If we don’t collect, you don’t pay.
Industries We Serve in Indiana
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Manufacturing & Logistics: Focused B2B recovery for automotive, steel, and industrial suppliers in the “Crossroads of America.” We handle high-value freight brokerage and warehousing disputes, ensuring your cash flow isn’t stalled by supply chain delays.
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Healthcare & Medical: 100% HIPAA-compliant recovery for Indiana’s hospitals and specialty clinics. We are already pre-set for Indiana HB 1051 (2026), which prohibits reporting medical debt to credit bureaus after June 30, 2026. We focus on mediation and legal judgments to bypass these new reporting restrictions.
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Colleges & Universities: Specializing in tuition fee recovery and bursar accounts. With Indiana’s recent statewide tuition freezes, we understand the budget pressure on institutions like IU, Purdue, and Ivy Tech. We balance firm collection with the need to preserve your academic reputation.
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K-12 Private & Charter Schools: Managing unpaid enrollment fees and textbook costs. We offer a sensitive, diplomatic approach tailored for Indiana’s rapidly expanding school choice and charter landscape.
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Accountants & CPA Firms: Recovery of professional service fees. We understand the Indiana tax cycle and use professional mediation to ensure you get paid without damaging the client rapport you’ve built over years of service.
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Banks & Credit Unions: Expert handling of delinquent consumer loans and deficiency balances. We leverage Indiana’s aggressive wage garnishment laws (allowing up to 25% recovery) to secure repayment on high-risk portfolios.
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Construction & Trades: Revenue recovery for Hoosier contractors. We are experts in Indiana Code Title 32 (Mechanic’s Liens), helping you meet strict 90-day filing deadlines to secure your right to payment for labor and materials.
Recent Indiana Recovery Results
Case 1: Indianapolis Multispecialty Group (Medical)
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The Problem: $210,000 in aging patient balances.
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The Strategy: Applied a “soft-touch” diplomatic approach combined with a credit reporting warning.
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The Result: $142,000 recovered in 90 days without a single negative patient review.
Case 2: Fort Wayne Logistics Provider (B2B)
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The Problem: A $45,000 unpaid freight invoice from a firm claiming cash flow issues.
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The Strategy: Nexa’s legal team filed a pre-suit notice, identifying the debtor’s active bank accounts for potential garnishment.
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The Result: Full $45,000 recovery within 30 days of the demand letter.
Frequently Asked Questions (FAQ)
1. Can you garnish wages in Indiana?
Yes. Indiana law (IC 24-4.5-5-105) allows creditors to garnish up to 25% of a debtor’s disposable weekly earnings or the amount by which disposal earnings exceed 30 times the federal minimum wage.
2. What is the statute of limitations for medical debt in Indiana?
In most cases, it is 6 years from the date of the last payment or the date the debt was incurred.
3. Does the $15 fixed-fee service include credit reporting?
Yes. Our fixed-fee model includes professional demand letters and can include credit reporting to all major bureaus to incentivize payment.