Debt Collection Agency in New Jersey
MSB collects past-due healthcare, commercial and municipal accounts for New Jersey creditors on contingency.
- No recovery, no fee
- Licensed where required
- HIPAA compliant
Midwest Service Bureau (MSB), founded in 1970, helps New Jersey firms fix past due accounts using a mix of polite work habits. We know the big effect unpaid bills have on your daily work and long-term cash flow. To speed up the return of late payments while keeping high levels of kind talk, expert teams work with businesses across the state.
MSB has collected since 1970, and our collectors work each account under the FDCPA, Regulation F and New Jersey law.
MSB is licensed where required (NMLS 2671949), holds an A+ BBB rating, and runs a HIPAA compliance program.
Medical Debt Collection
By using strict HIPAA rules, we help New Jersey health centers fix old patient bills. To keep your work’s good name, our team moves through tough legal paths with kind and expert patient talk.
Commercial Debt Collection
We help local companies in getting back late B2B bills and unpaid work costs. To keep your big business ties and good name safe, our smart plan is built to speed up your cash.
Municipal & Utility Debt Collection
We handle late service bills for town groups and utility teams. Within firm state rules, we work to help local groups get back key funds to keep up basic city needs.
Dental Debt Collection
Unpaid costs for care are often found by dental offices across the Garden State. Without losing patient trust, we handle these bills with a clean work style to help clinics get money.
Educational Debt Recovery
We help schools in getting back late fees and school costs. While keeping your school goals in mind, our way uses kind, clear talk for the fixing of all late student bill totals.
Veterinary Debt Collection
We help local vet clinics get back late pet care costs. We mix good ways to get money with the kind talk needed when having hard money chats with people who own pets.
FAQ
Frequently Asked Questions
New Jersey primarily relies on the federal Fair Debt Collection Practices Act (FDCPA) and the New Jersey Consumer Fraud Act. Collection agencies must also have a surety bond on file with the New Jersey Secretary of State (N.J.S.A. 45:18-1).
The statute of limitations is generally 6 years for most consumer debts, including credit cards and medical bills. This period begins from the date of the last activity, and making a small payment can 'reset' this 6-year clock.
Yes, a collection agency can sue in the Superior Court of New Jersey if the debt is not time-barred. A resulting judgment is valid for 20 years and can be renewed, allowing for long-term pursuit of assets or income.
Wages can only be garnished after a court judgment. New Jersey limits this to the lesser of 10% of gross income (if under 250% of the poverty level) or 25% of disposable income, provided you earn more than $217.50 per week.
Local firms should use formal demand letters or partner with a collection agency like MSB for professional mediation. For B2B debts, businesses can file a civil suit to obtain a judgment for bank levies or property liens.
Ignoring collectors is risky as it can lead to a default judgment. This gives the agency power to freeze bank accounts or garnish pay for up to 20 years. It is better to request proof of the debt and discuss settlement options.
You should send a 'debt validation' letter within 30 days to force the collector to prove the debt is yours. Also, verify if the 6-year statute of limitations has passed before making any payments.
Free consultation
Contact Us Today
Ready to improve your debt recovery? Contact our team for a free consultation.
Call (800) 362-0272- No recovery, no fee
- Licensed where required
- HIPAA compliant
Reviewed by Omar Taha, CEO, October 2026. This page is general information, not legal advice. Statutes change; verify with counsel.