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 Texas Legal Landscape
Texas is a “Debtor-Friendly” state—unless you have a partner who knows how to navigate the Texas Finance Code.
| Debt Type | Statute of Limitations | Key Regulation |
| Written/Oral Debt | 4 Years | Tex. Civ. Prac. § 16.004 |
| Medical Billing | 30-Day Itemization | SB 490 (Transparency) |
| Wage Garnishment | PROHIBITED | Texas Constitution Art. 16 |
| Identity Theft Claims | 7-Day Cease | HB 4238 (Eff. Sept 2025) |
Cost-Effectiveness: The Nexa Advantage
Texas businesses operate on thin margins. We offer a dual-track pricing model to maximize your ROI:
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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 (40%): Our “No Recovery, No Fee” model. We take the risk; you get the results.
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The “Texas Move” Bridge: Thousands move out of Texas every month. Because we are licensed in all 50 states, we follow your debtors to their new home state and recover what local Texas agencies can’t.
Industries We Serve in Texas
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Healthcare & Hospitals: 100% SB 490 compliant recovery for surgical centers and health systems.
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Energy & Oilfield Services: Securing B2B revenue for the Permian Basin and Gulf Coast suppliers.
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Tech & SaaS: Professional fee recovery for the “Silicon Hills” of Austin.
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Construction & Trades: Expert management of Texas Chapter 53 mechanic’s liens.
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Tourism & Hospitality: Recovering unpaid balances for San Antonio and DFW hospitality groups.
- Schools and Colleges: Unpaid tuition and meal charges.
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Audit Billing Early: Identify errors in your legacy billing system before accounts reach the statute of limitations.
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Send 30-Day Notices: Always issue a written demand letter at least 30 days before filing a lawsuit to satisfy Texas pre-suit requirements.
Recent Texas Recovery Results: The Nexa Impact
Case 1: The “Dallas Specialty Clinic” (Medical)
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The Problem: $150,000 in aging debt. The clinic feared SB 490 violations due to a legacy billing system error.
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The Strategy: Nexa audited the billing dates, verified itemization compliance, and used empathetic mediation.
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The Result: $98,000 recovered in 120 days with zero legal pushback.
Case 2: The “Houston Energy Vendor” (B2B)
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The Problem: A $65,000 unpaid invoice from a subcontractor who moved to Oklahoma.
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The Strategy: Local TX agencies couldn’t garnish wages. Nexa leveraged its Oklahoma license and a bank account levy.
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The Result: Full $65,000 recovery in 45 days.
Additional Texas Rules for 2026
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Bond Requirement: Third-party collectors must maintain a $10,000 surety bond filed with the Texas Secretary of State.
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No Statute Revival: Unlike most states, making a partial payment in Texas does not restart the 4-year statute of limitations.
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Pre-Suit Notice: You must send a written demand letter at least 30 days before filing a lawsuit against any Texas debtor.
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Collect Call Disclosure: It is illegal to make collect calls without disclosing the caller’s true name before the charges are accepted.
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Bounced Check Status: Dishonored checks are legally classified as consumer debt in Texas, requiring full regulatory compliance.
Frequently Asked Questions
1. How long does a Texas business have to collect an unpaid invoice?
Many debt and contract claims in Texas are subject to a 4-year statute of limitations. Texas Civil Practice & Remedies Code §16.004 provides a four-year period for actions for debt, while contracts involving the sale of goods also generally have a four-year period under Texas Business & Commerce Code §2.725. The exact deadline depends on the transaction and when the claim accrued.
2. Can wages be garnished to collect ordinary debt in Texas?
Generally, no. Texas protects current wages from garnishment for most ordinary consumer and commercial debts. Texas Civil Practice & Remedies Code §63.004 states that current wages for personal services are exempt from garnishment except where state or federal law provides otherwise, such as certain court-ordered support obligations.
3. Can a creditor garnish a debtor’s bank account in Texas?
Potentially, yes, after the required legal process. Texas law allows a writ of garnishment in qualifying situations, including when a creditor has a valid, subsisting judgment and satisfies the statutory requirements. However, exempt funds and property remain protected, so the availability of bank-account garnishment depends on the circumstances.
4. Does a collection agency need a license to collect debts in Texas?
Texas does not require third-party debt collectors to register with the Secretary of State, but covered collectors must file a $10,000 surety bond before engaging in debt collection. The requirement comes from Texas Finance Code §392.101, and the Secretary of State maintains records of filed debt-collector bonds.
5. What must a Texas healthcare provider do before sending medical debt to collections?
A covered Texas healthcare provider must comply with the state’s itemized-billing requirements before pursuing collection from a patient. Texas Health & Safety Code §185.002 requires a written itemized bill containing specified information, and the statute expressly prohibits the provider from pursuing debt collection until those requirements have been satisfied.
6. What are the deadlines for filing a mechanic’s lien in Texas?
Texas mechanic’s-lien deadlines depend on the type of project and claimant. For many nonresidential projects, a lien affidavit must generally be filed by the 15th day of the fourth month after the relevant completion or last furnishing of labor or materials. For many residential projects, the deadline is generally the 15th day of the third month. Earlier notice deadlines can also apply, especially to subcontractors and suppliers.
7. What happens if a Texas consumer says a debt resulted from identity theft?
Texas added specific protections for consumer debts resulting from identity theft effective September 1, 2025. When a consumer provides the qualifying court order required by Texas Finance Code §392.308, a creditor or debt collector generally must stop collection of the disputed debt from that victim no later than the seventh business day after receiving the notice. Additional reporting and transfer restrictions also apply.
8. How much does a collection agency cost in Texas?
NexaCollect offers a $15 fixed-fee collection option for qualifying earlier-stage accounts and a 40% contingency option for accounts requiring more intensive recovery efforts. Under the fixed-fee program, payments go directly to the client; under contingency collections, the fee is based on amounts successfully recovered.
Don’t Let the “Garnishment Gap” Stop Your Cash Flow
In Texas, you don’t need a collector; you need a compliance strategist. Whether your debtor is in El Paso or has fled to New York, Nexa brings your money home.
Get a Free Texas Recovery Analysis & 50-State Data Scrub