Collection Agencies & Collection Law Firms in New Jersey

Key New Jersey collection facts at a glance

Topic	New Jersey (general rule)
Statute of limitations — written contracts	6 years
Statute of limitations — open accounts	6 years
Collection agency license required?	Yes — New Jersey generally requires third-party collection agencies to hold a state license, registration or bond, at least for consumer debt. (verify)

These are general rules for orientation only; limitation periods depend on the contract, the type of debt, where suit is filed and events like payments or acknowledgments. Licensing rules often differ for consumer vs. commercial debt and change over time. Confirm with the New Jersey regulator or a New Jersey-licensed attorney. This is not legal advice.

Should I use a collection agency or a lawyer in New Jersey?

For most past-due accounts, a collection agency is the first step: demand letters, calls and negotiated payment plans, usually on contingency. If the debtor disputes the claim, ignores the agency, or the balance justifies litigation, a collection attorney licensed in New Jersey can file suit in the appropriate New Jersey court and, after a judgment, use the state's enforcement tools such as garnishment, levies or liens. With a 6-year general window for written contracts, it pays to act well before deadlines approach. See collection agency vs. collection attorney.

What does it cost to collect a debt in New Jersey?

Agencies typically work on contingency, with rates that vary by debt age, balance and volume; attorneys may charge contingency, hourly or flat fees plus court costs. Read our guide on how much collection agencies charge.

How do I place a New Jersey account?

Gather your contract or invoices, statements and correspondence (see what to prepare), then submit the form below with New Jersey preselected. We'll introduce you to partners that handle New Jersey accounts — including commercial debt and litigation.

← All states