Nexa Collections

Oregon Collection Agency | Medical, School & Business Debt Recovery

Need an Oregon collection agency that can recover overdue accounts without putting your reputation at risk? Nexa helps businesses, healthcare providers, and commercial creditors across Portland, Eugene, Salem, and statewide Oregon collect past-due balances through professional, compliant recovery strategies. With Oregon’s evolving rules around medical debt and credit reporting, early, well-managed collection activity matters more than ever. Our approach focuses on persistent outreach, negotiation, and appropriate legal escalation to improve recoveries while protecting your brand.

Oregon collection agency helping businesses recover overdue accounts

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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The Oregon Legal Landscape

Oregon offers a 6-year window for recovery, but its “Consumer Shield” laws require surgical precision to avoid high-penalty counter-suits.

Debt Category Statute of Limitations Oregon Statute (ORS)
Written/Oral Contracts 6 Years ORS § 12.080
Medical Debt 6 Years SB 605 (2026 Reporting Ban)
Wage Garnishment 25% Cap (High Floor) ORS § 18.385
Construction Liens 75 Days ORS § 87.035
Judgments 10 Years (Renewable) ORS § 18.180

Critical Oregon Rules for 2026:

  • The “Grey Area” Medical Ban: Oregon’s SB 605 bans medical debt reporting as of 2026. However, because a federal judge has put a hold on the CFPB’s national ban, there is significant legal debate about whether federal law preempts state-level bans. Nexa utilizes a “Mediation-First” model to secure payments through bank levies and voluntary plans, protecting you from the risk of being a “test case” in this federal-vs-state conflict.

  • The Portland Wage Shield: In 2026, the Portland Metro minimum wage is $16.30/hr. Oregon law (ORS 18.385) protects a massive portion of a debtor’s income. Nexa uses advanced asset-scrubbing to ensure you only spend money on legal filings for debtors who exceed the $338–$400 weekly “protected” floors.

  • The 75-Day Construction Cliff: For contractors and HVAC trades, you have exactly 75 days to record a lien. Nexa triggers a “Step 1” demand immediately to ensure payment before your lien rights expire.

  • DFR Compliance: Oregon requires strict Collection Agency Registration. Nexa is fully compliant, shielding you from the “Unlawful Collection Practices” penalties that local judges frequently award.

Cost-Effectiveness: The Nexa Advantage

  • Fixed-Fee Recovery ($15/account): Best for early-stage and high-volume accounts. Debtors pay 100% directly to you.

  • Contingency Service (20%–40%): Performance-based recovery. No Recovery, No Fee.

Industries We Serve in Oregon

  • Healthcare, Dental & Medical: 100% HIPAA-compliant. We manage the SB 605 “Grey Area” transition, helping practices recover funds without violating the 2026 reporting ban or charity care requirements.

  • Manufacturing & Logistics: B2B recovery for the Silicon Forest and the Port of Portland. We handle high-value freight brokerage and warehousing disputes.

  • Construction & Trades: Revenue recovery for HVAC, electrical, and general contractors. We specialize in ORS Chapter 87 and meeting the 75-day recording deadline.

  • Colleges & Universities: From UO to OSU, we manage tuition recovery with a student-first mediation approach that preserves your institutional reputation.

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

  • Banks & Credit Unions: Expert handling of delinquent consumer loans and deficiency balances using Oregon’s 10-year judgment potential.

  • B2B Commercial, Restoration & Waste Management: High-speed recovery for service providers in Bend and Beaverton who need cash flow restored immediately.

Recent Oregon Recovery Results

Case 1: Portland Metro Multi-Specialty Clinic (Medical)

  • The Problem: $152,000 in patient debt. The practice was paralyzed by the confusion over SB 605 and the federal court hold.

  • The Result: Nexa implemented a 2026-compliant mediation strategy that bypassed credit reporting entirely, recovering $98,000 in 65 days via bank levies.

Case 2: Hillsboro Tech Logistics Firm (B2B)

  • The Problem: A $62,000 unpaid invoice for tech equipment. The debtor stopped responding after a management change.

  • The Result: Utilizing Oregon’s 6-year statute, Nexa secured a full $62,000 recovery plus interest in 29 days by presenting a final pre-legal demand.

Frequently Asked Questions About Debt Collection in Oregon

1. How long does an Oregon business have to collect an unpaid invoice?

Many contract claims in Oregon have a 6-year statute of limitations. ORS 12.080 generally applies a six-year period to express or implied contract claims. However, the type of transaction matters—for example, a contract involving the sale of goods generally has a 4-year limitation period under Oregon’s Uniform Commercial Code.

2. Can medical debt be reported to credit bureaus in Oregon?

No. Oregon law now prohibits reporting medical debt to consumer reporting agencies as of 2026. Senate Bill 605 took effect January 1, 2026 and prohibits reporting the existence or amount of qualifying medical debt owed by an Oregon resident. Consumer reporting agencies are also prohibited from including covered medical debt on credit reports.

3. Does a collection agency have to be registered in Oregon?

Yes. Oregon registers companies and individuals that collect third-party debts. Collection agencies apply through the Nationwide Multistate Licensing System, and Oregon imposes registration, bonding and other requirements administered by the Division of Financial Regulation. Businesses hiring an agency for Oregon accounts should confirm that the agency is appropriately authorized to operate in the state.

4. What is Oregon’s 75-day construction lien deadline?

Oregon generally requires a qualifying construction lien to be perfected within 75 days. Under ORS 87.035, many claimants must file within 75 days after they stop providing labor, equipment or materials, or 75 days after completion of construction, whichever applicable deadline occurs first. Contractors and suppliers should address unpaid balances well before this window closes.

5. How much of a debtor’s wages can be garnished in Oregon?

Oregon generally protects at least 75% of an individual’s disposable earnings from ordinary garnishment, and additional minimum-income protections apply. For wages payable from July 1, 2026 through June 30, 2027, Oregon protects at least $400 per week, with corresponding higher exemptions for longer pay periods. Different rules and exemptions can apply depending on the debt.

6. How much does a collection agency cost in Oregon?

NexaCollect offers a $15 fixed-fee option for qualifying earlier-stage accounts and contingency-based collections for accounts requiring more intensive recovery. Under the fixed-fee program, recovered payments go directly to the client. Contingency pricing can depend on the type, age, balance and complexity of the account.

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