Nexa Collections

Collection Agency in Texas | Compliant & Effective

Need a collection agency in Texas but not sure where to start?

In Texas—from the tech hubs of Austin and the energy giants of Houston to the medical districts of Dallas—growth is explosive. But so is the risk. With 1 in 4 Texans carrying medical debt and state laws that prohibit wage garnishment for consumer accounts, standard collection tactics fail at the border.

Whether you are a San Antonio surgical center, a Midland energy supplier, or an Austin tech startup, Nexa provides the Texas-specific legal muscle needed to recover revenue where others hit a wall.

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 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)

Critical 2026 Compliance Note: Under SB 490, Texas healthcare providers lose the legal right to collect if they fail to provide a plain-language itemized bill. Additionally, the new HB 4238 requires collectors to cease all efforts within 7 days if a “Notice of Identity Theft” is received. Nexa’s Texas desk is pre-set to these strict 2026 timelines.

Cost-Effectiveness: The Nexa Advantage

Texas businesses operate on thin margins. We offer a dual-track pricing model to maximize your ROI:

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

  • Contingency Service (40%): Our “No Recovery, No Fee” model. We take the risk; you get the results.

  • 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

  • Healthcare & Hospitals: 100% SB 490 compliant recovery for surgical centers and health systems.

  • Energy & Oilfield Services: Securing B2B revenue for the Permian Basin and Gulf Coast suppliers.

  • Tech & SaaS: Professional fee recovery for the “Silicon Hills” of Austin.

  • Construction & Trades: Expert management of Texas Chapter 53 mechanic’s liens.

  • Tourism & Hospitality: Recovering unpaid balances for San Antonio and DFW hospitality groups.

Note:

  • Audit Billing Early: Identify errors in your legacy billing system before accounts reach the statute of limitations.

  • 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)

  • The Problem: $150,000 in aging debt. The clinic feared SB 490 violations due to a legacy billing system error.

  • The Strategy: Nexa audited the billing dates, verified itemization compliance, and used empathetic mediation.

  • The Result: $98,000 recovered in 120 days with zero legal pushback.

Case 2: The “Houston Energy Vendor” (B2B)

  • The Problem: A $65,000 unpaid invoice from a subcontractor who moved to Oklahoma.

  • The Strategy: Local TX agencies couldn’t garnish wages. Nexa leveraged its Oklahoma license and a bank account levy.

  • The Result: Full $65,000 recovery in 45 days.

Additional Texas Rules for 2026

  • Bond Requirement: Third-party collectors must maintain a $10,000 surety bond filed with the Texas Secretary of State.

  • No Statute Revival: Unlike most states, making a partial payment in Texas does not restart the 4-year statute of limitations.

  • Pre-Suit Notice: You must send a written demand letter at least 30 days before filing a lawsuit against any Texas debtor.

  • Collect Call Disclosure: It is illegal to make collect calls without disclosing the caller’s true name before the charges are accepted.

  • Bounced Check Status: Dishonored checks are legally classified as consumer debt in Texas, requiring full regulatory compliance.

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.

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