Makes certain for-profit debt adjusters eligible for licensing to conduct business in State.

New Jersey bill A4598 (A4598) allows for-profit debt adjustment companies to obtain state licenses to operate, expanding eligibility beyond current nonprofit-only provisions. To qualify, for-profit entities must not handle consumer funds and must comply with federal FTC regulations (16 C.F.R. 310.4). The bill exempts for-profits from bonding requirements and annual salary/expense certifications required of nonprofits, while requiring them to disclose key service details - including fees, timelines, and credit risks - to debtors in written agreements. This change aligns state oversight with federal rules but maintains core consumer protections like fee limits and transparency requirements.