here is all the info you need:
Collect Edge is the main company that operates out of New Jersey. Emax Financial Group, LLC is a subsidiary of it. I guess they all get a piece of the pie. Emax has an address in New Jersey but the people sound like they are from India and probably are. They most likely has no juridiction to colelct in New jersey. If they can't sell you a bill, you can't pay them. NO BILL = NO PAYMENT!!!!! The information is as follows:
Emax Financial Group, LLC
Suite 300
5 Independece Way
Princeton, NJ 08540
no telephone number
Collect Edge
P.O. Box 217
Piscataway, NJ 08855-0217
tel - 866-350-5696
fax - 732-748-4381