In New Hampshire, an unpaid account is not something to leave sitting indefinitely. NexaCollect helps businesses and medical providers across Manchester, Nashua, Concord, Lebanon and beyond recover overdue balances while there is still time to act. With many claims subject to New Hampshire’s 3-year limitation period—and special 20-year treatment reserved for certain judgments and contracts under seal—timing and documentation matter.
Professional recovery starts with knowing the account, the deadline and the rules that apply.
Nexa provides 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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🏷️ $15 Fixed-Fee Option | ⚖️ Contingency Collections | 🌐 Nationwide Reach
The New Hampshire Legal Landscape
New Hampshire is a state of extremes. You either have a very short window or a very long one. We ensure you never miss a deadline.
| Debt Category | Statute of Limitations | NH Statute (RSA) |
| Written Contracts (Specialties) | 20 Years | RSA 508:5 |
| Oral / Open Accounts | 3 Years | RSA 508:4 |
| Medical Debt | 3 Years | RSA 358-C Compliance |
| Wage Garnishment | ALLOWED (25% Cap) | RSA 161-C:22 |
| Judgments | 20 Years | RSA 508:5 |
Critical New Hampshire Rules for 2026:
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The 3-Year “Drop-Off”: For medical bills and open B2B invoices, NH law is strict. If you don’t file suit within 3 years, the debt becomes “time-barred.” Nexa’s high-speed “Step 1” demand service is designed to trigger payment before this cliff.
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The 20-Year “Super-Window”: Under RSA 508:5, certain written contracts (specialties) stay alive for 20 years. Nexa audits your old ledgers to find “zombie debt” from the last decade that is still legally collectable.
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The $450/Week “Safe Zone”: In 2026, creditors must respect federal and state wage floors. We identify high-earning debtors to ensure your legal spend results in actual checks, not empty court orders.
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RSA 358-C Compliance: New Hampshire’s local version of the FDCPA is aggressive. Even original creditors can be sued for “unfair” collection. Nexa acts as your compliance shield, ensuring every call and letter is by the book.
Cost-Effectiveness: The Nexa Advantage
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Fixed-Fee Recovery ($15/account): Ideal for early-stage receivables. Debtors pay 100% directly to you. No commissions.
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Contingency Service (20%–40%): Performance-based recovery. No Recovery, No Fee.
Industries We Serve in New Hampshire
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Manufacturing & Logistics: B2B recovery for the Nashua and Seacoast industrial sectors. We handle high-value freight brokerage and warehousing disputes with a focus on RSA 447 (Mechanic’s Liens).
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Healthcare & Medical: 100% HIPAA-compliant. We manage patient balances for practices in Concord and Lebanon, navigating the 3-year statute with mediation that protects patient-provider trust.
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Colleges & Universities: From the Ivy League to local community colleges, we handle tuition fee recovery and bursar accounts, balancing firm tactics with institutional 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 New Hampshire’s independent school culture.
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Accountants & CPA Firms: Recovery of professional service fees. We understand the “net-30” billing cycle and use professional mediation to ensure you get paid without damaging client rapport.
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Banks & Credit Unions: Expert handling of delinquent consumer loans and deficiency balances using New Hampshire’s aggressive 20-year judgment renewal window.
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Construction & Trades: Revenue recovery for HVAC, electrical, and general contractors. We are experts in RSA 447 and the strict 120-day lien recording deadlines.
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B2B Commercial, Restoration & Waste Management: High-speed recovery for service providers who need cash flow restored to manage the seasonal operational costs of the Granite State.
Recent New Hampshire Recovery Results
Case 1: Manchester-Area Medical Practice (Medical)
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The Problem: $95,000 in aging patient debt approaching the 3-year statute limit.
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The Result: Nexa implemented a high-speed mediation strategy, recovering $68,000 in 55 days before the accounts became legally uncollectible.
Case 2: Seacoast Logistics Company (B2B)
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The Problem: A $42,000 unpaid freight invoice from a vendor who stopped responding during a regional merger.
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The Result: By utilizing the 20-year specialty statute and a formal pre-legal demand, Nexa secured a full $42,000 recovery plus interest in just 24 days.
New Hampshire Debt Collection FAQs
1. How much does a collection agency charge in New Hampshire?
NexaCollect offers a $15 fixed-fee option per account for early-stage delinquencies where you retain 100% of recovered funds, as well as a contingency collection model (typically around 40% for consumer accounts) where fees apply only when funds are successfully collected.
2. What is the statute of limitations on debt collection in New Hampshire?
Under RSA 508:4, New Hampshire generally imposes a three-year statute of limitations on personal actions, including breach of contract and open accounts. Because three years is shorter than many other states, acting early on delinquent receivables is critical.
3. What are New Hampshire’s rules on interest charges on past-due debts?
Under RSA 336:1, statutory interest applies to monetary obligations unless a higher or lower rate is specified in a written contract. Creditors should ensure their contracts clearly specify default interest terms before assessment.
4. Can a collection agency collect B2B commercial debt in New Hampshire?
Yes. NexaCollect routinely recovers commercial receivables across New Hampshire, including unpaid trade invoices, vendor contract defaults, equipment leases, and professional service retainers across Manchester, Nashua, Concord, and statewide.
5. Does NexaCollect handle medical debt collection in New Hampshire?
Yes. We provide specialized, HIPAA-compliant medical debt collection for healthcare practices, outpatient clinics, and dental providers, employing diplomatic, patient-sensitive communication to protect your practice’s local reputation.
6. How does soft-touch outreach protect New Hampshire businesses from bad online reviews?
Rather than using aggressive phone tactics that provoke retaliatory 1-star Google reviews, our fixed-fee program uses firm, respectful demand outreach that resolves contract balances diplomatically while safeguarding your brand goodwill.
7. Can NexaCollect collect from a debtor who relocated outside New Hampshire?
Yes. Our nationwide collection network allows us to pursue and recover debts from individuals or commercial entities that have moved outside New Hampshire while remaining fully compliant with interstate and federal collection laws.
8. What documentation should I provide to start collecting accounts?
To achieve optimal recovery results, provide complete debtor contact details, itemized invoices, account statements, signed contracts or service agreements, payment history, and records of prior internal collection attempts.
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