Nexa Collections helps Houston businesses, medical practices, and schools recover past-due balances within Texas’s uniquely debtor-protective rules — including a near-total constitutional ban on wage garnishment and an unlimited-value homestead exemption. The process is easy to use, backed by responsive support and a secure client portal, with nationwide 50-state licensing behind it.
Accounts are typically worked at a flat $15 fixed fee or 40% contingency, with no fee unless funds are recovered. Compliant with Texas Finance Code § 392 (for itemized billing requirements).
Houston & Texas’s Compliance Landscape: What Creditors Need to Know
Texas has a reputation as business-friendly, but its debt collection rules protect individual debtors more aggressively than almost any other state. A judgment here doesn’t automatically translate into collectible wages or home equity the way it would in most of the country — knowing that up front changes what recovery strategy actually makes sense.The Wage Garnishment Ban — One of Only Four States
Texas Constitution Article 16, Section 28 prohibits garnishing current wages for essentially all private debt — consumer and commercial alike — with the only exceptions being court-ordered child support and spousal maintenance. Texas is one of just four states with this protection, alongside Pennsylvania, North Carolina, and South Carolina. A judgment against an individual debtor’s paycheck, on its own, produces nothing here. (Wages do lose that protection once they land in a bank account, which is a separate avenue worth understanding before assuming a judgment is worthless.)The Unlimited Homestead Exemption
Texas Property Code Chapter 41 and Texas Constitution Article 16, Section 50 protect a primary residence’s full value from most judgment creditors, regardless of price — a $200,000 home and a $5 million home get the same protection. The limit is acreage, not dollars: 10 acres in an urban area, up to 200 acres for a rural family homestead. Only Texas and Florida offer protection like this. A judgment against a Houston homeowner may have far less to attach than the same judgment would almost anywhere else.Statute of Limitations: 4 Years, Regardless of Written or Oral
Texas gives creditors four years to sue on most contract-based debt (Tex. Civ. Prac. & Rem. Code § 16.004) — and unlike many states, doesn’t split the window between written and oral agreements the way a state like Illinois or Connecticut does. The classification questions that matter elsewhere matter less here; the deadline itself matters more given the shorter, uniform window.Illustrative Example: When a Judgment Isn’t the Same as Getting Paid
Consider a composite scenario: a Houston-area supplier wins a judgment against an individual debtor for $30,000. The debtor’s wages can’t be touched under Article 16, Section 28, and the debtor’s home, worth well over the judgment amount, is fully homestead-protected. Without a bank levy on non-wage funds or other non-exempt assets, the judgment itself produces very little. Screening for likely collectible assets before committing to litigation tends to matter more in Texas than in states where a judgment routinely converts into a wage garnishment order.Medical Practices & Hospitals: Recovering Revenue in the Texas Medical Center and Beyond
HIPAA-Aligned Recovery Across Houston’s Healthcare Systems
From a Texas Medical Center hospital network to an independent dental practice, patient billing records carry protected health information regardless of size, and recovery is handled under HIPAA-aligned procedures throughout.Illustrative Example: A TMC-Adjacent Practice Weighing Its Options
Picture a specialty practice near the Texas Medical Center with a portfolio of aging patient balances. Given that wage garnishment isn’t a realistic backstop for most of these patients, a documented, payment-plan-first approach tends to produce more than an approach built around the threat of a judgment that would ultimately collect very little from wages anyway.B2B, Energy & Commercial Accounts in Houston
Screening for Collectible Assets Before Litigation
Given the wage garnishment ban and unlimited homestead exemption, litigation against an individual debtor doesn’t automatically produce a collectible outcome. Screening for non-exempt assets and bank account balances before committing legal spend tends to matter more in Texas than in most states.The “Texas Move” Problem
Houston’s population turnover means a meaningful share of debtors relocate to other states before an account is ever placed. Once a debtor leaves Texas, the destination state’s own garnishment and asset-exemption rules may apply instead — sometimes more favorably for the creditor, sometimes less.Illustrative Example: An Energy-Sector Supplier Invoice
Consider a composite scenario: a Gulf Coast oilfield services supplier is owed $60,000 by a corporate client that stops responding. Because the debt is commercial rather than consumer, it falls outside the FDCPA’s scope entirely (governed instead by the parties’ contract and the UCC), though the TDCA’s general prohibition on deceptive or coercive tactics still applies. A documented demand backed by delivery and service records resolves the balance without litigation.Why Houston Businesses Choose Nexa
Easy to Use, Start to Finish
Placing an account moves through a straightforward intake, with a secure portal for tracking status afterward.Backed by Responsive Customer Support
Questions about a specific account or the process in general get answered by a real point of contact.Licensed Nationwide, Compliant Locally
Nexa operates with 50-state collection licensing, applied here with Texas-specific rules — including the wage garnishment ban and homestead exemption — layered on top rather than a one-size-fits-all national script. Texas requires third-party debt collectors to file a $10,000 surety bond with the Secretary of State under Finance Code § 392.101; recovery activity on Texas accounts is carried out within that framework.Reputation-Conscious Recovery Across Greater Houston
From the Energy Corridor to the Medical Center to the Port, a debtor today can be a referral source or repeat client tomorrow — recovery is handled with that relationship in mind, not just the balance owed.Houston Success Stories
The scenarios below are illustrative composites drawn from the kinds of situations that come up repeatedly across Houston receivables, not verified individual case results, but they reflect the actual mechanics of how each type of recovery tends to get resolved.The Surgical Center Rethinking Its Escalation Path
Problem: A Houston-based surgical center had a large volume of patient balances over 120 days past due, with its prior process built around threatening legal action regardless of what that action would actually recover. Approach: Nexa prioritized a payment-plan-first sequence, reserving litigation for accounts with clearly non-exempt, collectible assets. Outcome: A meaningful share of the aging balance was resolved through direct payment plans, without the cost of pursuing judgments that wage protections would have made largely symbolic.The Energy Supplier’s Non-Responsive Client
Problem: An energy-sector supplier was owed a substantial balance on delinquent invoices from a corporate client that stopped responding entirely. Approach: Documentation review confirmed the commercial nature of the debt (outside FDCPA’s scope) and skip tracing located current business activity before legal spend was committed. Outcome: The balance was resolved through negotiation backed by service records, without litigation.The Landscaping Company’s Commercial Contracts
Problem: A local landscaping company was owed payment on multiple large-scale commercial contracts, with cash flow tight enough to affect payroll. Approach: A structured, documented outreach sequence prioritized the largest and most recently overdue contracts first. Outcome: A significant share of the outstanding balance was recovered directly, protecting the company’s payroll obligations.Industries We Serve in Houston
Houston’s economy runs on energy and petrochemicals, the world’s largest medical complex, aerospace tied to Johnson Space Center, and the Port of Houston, and the approach that works for an oilfield services supplier doesn’t work for a Texas Medical Center clinic.Healthcare & Medical
From Texas Medical Center hospital systems to independent practices, recovery built around HIPAA-aligned handling and realistic expectations about what a judgment can actually collect given Texas’s wage protections.Energy & Oilfield Services
B2B recovery for suppliers, service companies, and partners across Houston’s oil and gas sector, where commercial debt falls outside the FDCPA and is governed instead by contract terms and the UCC.Aerospace & Manufacturing
Commercial account recovery for businesses tied to Johnson Space Center contracts and Houston’s broader manufacturing base.Logistics & Port of Houston
Recovery for businesses whose receivables move through the Port of Houston, where documentation discipline matters as much as outreach.Senior Living
Family and estate-representative recovery for Houston-area senior living facilities, handled with a measured, dignity-first approach.Small & Large Business
Scalable recovery for everything from a local HVAC contractor to a large corporation, with the same documentation-first approach regardless of size.Trust, Security & Compliance
HIPAA & BAA Coverage for Medical and Dental Accounts
Patient billing records carry protected health information regardless of practice size. Nexa maintains HIPAA-aligned handling procedures for medical and dental accounts and executes a Business Associate Agreement (BAA) with practices that require one.FDCPA & TDCA Alignment
Every account is worked in alignment with the federal Fair Debt Collection Practices Act and Texas’s own Debt Collection Act (Finance Code Ch. 392), which prohibits threats, harassment, and deceptive tactics — and applies to consumer debt collection more broadly than the FDCPA’s third-party-only scope in some respects.SOC 2 Type II & PCI-DSS Data Security
Data handling is SOC 2 Type II certified — meaning security and privacy controls have been independently audited, not self-reported — and payment processing runs at PCI-DSS Level 1, a high tier of card data encryption.Secure Client Portal for Documentation & Account Tracking
Patient ledgers, invoices, contracts, and correspondence are exactly the kind of sensitive documentation that shouldn’t move through email. A secure client portal lets you upload that documentation, track account status, and monitor recovery progress without exposing patient or client data to unnecessary risk.Transparent Pricing for Houston Accounts
Fixed-Fee Recovery ($15/account)
Ideal for early-stage receivables. Debtors pay 100% directly to you. No commissions.Contingency Service (40%)
Performance-based recovery. No Recovery, No Fee.