There are state and federal debt collection laws that debt collectors need to adhere to or they risk being liable to debtors. But I know of no federal or state license requirement that affects NJ's or any other state's residents to do this job. Check with your city's finance office to see if you need a business license and are required to pay a city business tax.
Avvo doesn't pay us for these responses, and I'm not your lawyer just because I answer this question or respond to any follow-up comments. If you want to hire me, please contact me. Otherwise, please don't expect a further response. We need an actual written agreement to form an attorney-client relationship. I'm only licensed in CA and you shouldn't rely on this answer, since each state has different laws, each situation is fact specific, and it's impossible to evaluate a legal problem without a comprehensive consultation and review of all the facts and documents at issue.
You may need to be registered as a business, and you will need to be familiar with and compliant with state and federal laws that regulated debt collectors, but beyond that, there are no special requirements to be a debt collector.
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