Nexa Collections

Collection Agency in New Jersey | Compliant & Effective

In New Jersey—from the pharmaceutical giants of Jersey City and New Brunswick to the logistics powerhouses of Port Newark and the healthcare hubs of South Jersey—business moves at the speed of the Northeast Corridor. But in 2026, the “Garden State” presents a unique challenge: a generous 6-year statute of limitations paired with some of the strictest garnishment protections in the nation. You don’t just need a collector; you need a New Jersey-compliant partner who knows how to bypass the 10% garnishment cap using sophisticated bank levies and professional mediation.

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 New Jersey Legal Landscape (2026 Summary)

New Jersey offers a long window to collect, but the “math” of recovery requires an agency that knows local court procedures.

Debt Category Statute of Limitations NJ Statute (N.J.S.A.)
Written/Oral Contracts 6 Years N.J.S.A. 2A:14-1
Medical Debt 6 Years 2026 Reporting Restrictions
Wage Garnishment 10% Cap (Strict) N.J.S.A. 2A:17-56
Bank Levies Powerful Remedy NJ Court Rule 4:59
Judgments 20 Years (Renewable) N.J.S.A. 2A:14-5

Is Your Current Collection Agency a Liability?

Let’s be blunt. Choosing a partner to recover money in New Jersey is a high-stakes decision. The wrong choice—an aggressive, ‘old-school’ agency—isn’t just ineffective; their outdated approach can make you lawsuit-prone and may be a direct liability to your business.

They damage your hard-earned reputation in Newark, Jersey City, or Cherry Hill. They alienate your clients. And worst of all, in a high-regulation state like New Jersey, they expose you to lawsuits.

If you’re tired of partners who create more problems than they solve, there is a better way.

The New Jersey Compliance Minefield: Why a Bad Partner Is a Lawsuit Waiting to Happen

Hiring a cheap, non-compliant agency is the single biggest risk a New Jersey business can take. The legal landscape is a minefield.

  • The Consumer Fraud Act (CFA): This is the big one. The NJ Consumer Fraud Act is one of the strongest in the nation. It prohibits “unconscionable commercial practices” and has been applied to collection activities. If an agency you hire crosses the line, your business can be pulled into a lawsuit, facing potential treble (3x) damages and attorney’s fees.

  • The 6-Year Statute of Limitations: You have 6 years to pursue most contract debts (N.J.S.A. 2A:14-1). Bad agencies waste this time. They’ll sit on an account for a year, fail to collect, and then return it to you, having burned your most valuable window of opportunity.

  • Strict Garnishment Limits: Even if you sue and win, New Jersey law heavily protects debtors. You can often only garnish 10% of a person’s gross income. Litigation is a slow, expensive, and low-ROI strategy.

Our process is built to be your compliance shield. We resolve accounts professionally and before costly, low-return litigation is ever needed.

Our Model: The Antidote to Bad Agencies

We built our process to be the direct opposite of “old-school” agencies. We are flexible, professional, and cost-effective.

We don’t use a 40% contingency “sledgehammer” on a $15 “nail.” Our process is smarter.

  1. Step 1 — First-Party Courtesy Reminders (Fixed-Fee)
    We act as your extension, sending soft reminders on your behalf.

    • Typical Fee: $15 per account.

  2. Step 2 — The $15 “Filter” (Fixed-Fee)
    This is our low-cost first move. Five professional letters on our letterhead that resolve most accounts early, saving you thousands in commissions.

    • Typical Fee: $15 per account.

  3. Step 3 — The Professional Pursuit (Contingency)
    For the truly stubborn accounts, our Contingency team takes over. These are not stereotypical collectors. They are trained, polite negotiators.

    • Typical Fee: 40% of amounts recovered. No Recovery, No Fee.

  4. Step 4 — The Legal Backstop (Client-Approved)
    We only escalate to an attorney with your explicit approval.

    • Typical Fee: 50% of amounts recovered. No Recovery, No Fee.

Most of our clients find the Step 2 + Step 3 combo provides the best possible ROI.

Recent New Jersey Recovery Results

Case 1: North Jersey Medical Specialty Group (Medical)

  • The Problem: $140,000 in aging patient debt. The practice was losing money because their previous agency couldn’t navigate NJ’s new reporting restrictions.

  • The Result: Nexa implemented a legal-forward strategy using bank levies, recovering $98,000 in 120 days without relying on credit reporting.

Case 2: Jersey City Logistics Firm (B2B)

  • The Problem: A $62,000 unpaid freight invoice from a vendor who moved their warehouse to Pennsylvania to avoid payment.

  • The Result: Utilizing NJ’s 6-year contract statute and tri-state legal network, Nexa secured a full $62,000 recovery plus interest in just 45 days.

Industries We Serve in New Jersey

  • Manufacturing & Logistics: Specialized B2B recovery for the Port Newark and Elizabeth industrial hubs. We handle high-value freight brokerage and warehousing disputes.

  • Healthcare & Medical: 100% HIPAA-compliant. We navigate the 2026 reporting bans, using empathetic mediation to preserve your reputation in local communities from Cherry Hill to Paterson.

  • Colleges & Universities: From Rutgers to private institutions, we handle tuition fee recovery and bursar accounts with a focus on student-first mediation.

  • K-12 Private & Charter Schools: Diplomatic recovery for unpaid enrollment and fees, tailored for NJ’s diverse educational landscape.

  • Accountants & CPA Firms: Recovery of professional service fees. We understand the NJ tax cycle and ensure you get paid without damaging client rapport.

  • Banks & Credit Unions: Expert handling of delinquent consumer loans and deficiency balances using NJ’s 20-year judgment renewal window.

  • Construction & Trades: Revenue recovery for HVAC, electrical, and general contractors (Experts in N.J.S.A. 2A:44A Construction Liens).

  • B2B Commercial, Restoration & Waste Management: High-speed recovery for service providers who need cash flow restored immediately in the competitive NJ market.

Your Questions About Switching, Answered

We’re stuck in a contract with another agency. What can we do?

A: Review your contract. Most have a 30-day “out” clause. We are experts at managing a smooth transition, taking over your old accounts, and implementing a better strategy from day one.

My last agency was a “black box.” How is your process different?

A: We believe in transparency. Our $15 fixed-fee (Step 2) has a clear start and end date, and all payments go directly to you. You’ll see results in the first 30 days.

What’s the real ROI of switching?

A: It’s not just about recovery rates. It’s about your total cost of recovery. Our Step 2+3 model lowers your total cost and stops you from losing future customers due to a bad reputation.

Ready for a Partner, Not a Problem?

Stop taking on the risk and hassle. Let the experts resolve your unpaid accounts.

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