Cadillac runs on momentum—boats moving between Lake Cadillac and Lake Mitchell, trucks flowing on US-131, and customers drifting in and out along M-115 and M-55. But unpaid accounts? They sit like slush in the Clam Lake Canal—slow, sticky, and quietly expensive. If your staff is spending their day chasing checks instead of doing the job you hired them for, cash flow gets chilly fast.
Nexa provides a reputation-safe approach, equipped with all 50-state collections license, offering free credit reporting, free litigation, free bankruptcy scrubs, and zero onboarding fees. Secure – SOC 2 Type II & HIPAA compliant. Over 2,000 online reviews rate us 4.85 out of 5.
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Pricing (keep it simple):
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Fixed-fee $15 (you keep 100% of what’s collected)
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Contingency 20%–40% (no recovery, no fee)
We can also use email and text when appropriate. And yes—involving a collection agency significantly improves recovery; the earlier you assign, the better the results, especially when the strategy stays amicable and reputation-safe.
Early in the process, you can also Contact Nexa and we’ll map the cleanest path based on your account type, documentation, and how “salvageable” the relationship is.
The Velvet Hammer approach (firm, but never reckless)
Arguing with a debtor often turns a “can pay” into a “won’t pay.” We recover more by helping the customer choose you first—before rent, before the loudest creditor, before the next excuse becomes their new habit. Our “Velvet Hammer” style is diplomatic: clear deadlines, clear options, respectful tone.
What makes it work:
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We lead with solutions (payment plans, quick-pay links, structured settlement options) instead of threats.
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We protect your reputation by avoiding the kind of pressure that triggers review-bombs.
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We run a litigation scrub up front to reduce the risk of pushing accounts that look legally messy or strategically unsafe.
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We also do USPS address checks, skip tracing, and bankruptcy checks before we lean in.
Important safeguard: Calls are recorded and randomly reviewed to prevent rogue tactics and keep outreach consistent and professional.
A quick “note from the reconciliation team”
We’re not trying to win an argument—we’re trying to get you paid. In a town where word travels as fast as a Friday crowd downtown near the lakes, our job is to be firm enough to collect and calm enough to keep your name clean. If a customer is overwhelmed, we give them a dignified on-ramp to pay. If they’re simply stalling, we tighten the lane lines and remove the wiggle room.
Red flag box: 3 Cadillac pitfalls that quietly kill recovery
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Waiting through the season. Tourism, construction, and marina-adjacent work can be cyclical—“after the weekend” becomes “after the month,” then never.
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Letting documentation scatter. Work orders, estimates, change approvals, delivery proofs—if they live in five inboxes, debtors exploit the gaps.
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Having the wrong person chase the money. The tech, hygienist, office manager, or project lead gets pulled into awkward calls—and customers learn you’re reluctant to escalate.
Laws that shape the process (practical summary, not legal advice)
Collections in Michigan and federally are guided by a few core rules:
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FDCPA: prohibits harassment, deception, and unfair practices in consumer debt collection, and generally limits contact to reasonable hours.
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CFPB Regulation F: adds modern rules around communications and what’s considered “convenient” timing.
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Michigan Collection Practices Act: Michigan-level restrictions aimed at abusive collection conduct.
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FCRA (credit reporting): if you choose credit reporting and it’s permitted, accuracy and dispute handling matter.
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Statute of limitations: Michigan generally provides six years for many breach-of-contract actions (practical takeaway: don’t sit on accounts until they rot).
We tailor the channel (phone/email/text/mail), timing, and tone to stay inside these guardrails while still pushing the account toward resolution.
Two recent recovery results (reputation-safe)
1) Medical balance recovered (patient-friendly, clinic-safe)
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Balance: $7,840 outpatient procedure balance (insurance settled, patient portion remained)
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Step 1: USPS address verification + bankruptcy check; patient had moved and mail was bouncing.
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Step 2: We opened with a respectful “benefits confusion” conversation, then offered a structured plan (two smaller payments + one final payment).
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Step 3: Patient enrolled in autopay; account resolved without escalating tone or generating complaints.
2) Business debt recovered (Cadillac-area service invoice)
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Balance: $12,630 service-and-parts invoice (work approved, payment delayed with “next draw” excuses)
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Step 1: Documentation pack organized (authorization + completion confirmation + invoice timeline).
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Step 2: Concierge-led mediation call with a firm due date and two options: pay-in-full discount window or short plan.
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Step 3: Partial payment arrived within a week; remainder cleared on schedule via ACH—relationship preserved for future work.
Two fast $5K–$15K recovery examples
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$5,480 dental/ortho balance: Patient fell behind after a schedule change. We used gentle reminders + a single “pick your plan” message; resolved via two-pay settlement with zero drama.
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$14,200 contractor/trades invoice: Change-order confusion stalled payment. We aligned the paper trail, confirmed acceptance, and secured a three-step plan tied to the customer’s own receivables cycle.
Industries we serve in and around Cadillac
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Healthcare & Medical: reputation-safe recovery for hospitals and specialty clinics.
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Colleges & Universities: tuition, housing balances, bursar accounts—firm collection without torching relationships (including local students commuting through the region).
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Dental: dental practices, orthodontics, specialty offices.
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Restoration / Pool / Contractors: storm, fire, water mitigation; pool builds and service; home improvement disputes handled carefully.
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K-12 Private & Charter Schools: unpaid enrollment fees, activities, and textbook costs—diplomatic outreach for family-sensitive accounts.
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Accountants & CPA Firms: professional service fees and net-30 slippage, handled with a professional tone.
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Banks & Credit Unions: delinquent consumer loans, overdrawn accounts, deficiency balances—structured outreach and escalation only where permitted.
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Construction & Trades: HVAC, electrical, general contractors, suppliers.
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B2B Commercial: manufacturing-adjacent vendors, local service providers, regional suppliers.
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Waste Management: commercial accounts that drift past terms and require consistent follow-up.
FAQs (quick, real-world)
Do you work well with seasonal businesses near Lake Cadillac and Lake Mitchell?
Yes—seasonality is exactly why early assignment matters. We set clear timelines and options before “busy season” becomes the permanent excuse.
Can you text or email?
When appropriate and permitted, yes. Smart written outreach often gets faster responses than repeat phone tag.
We’re off the US-131 corridor and short-staffed—how hands-on do we need to be?
Minimal. We’ll ask for your documents and a point of contact for edge cases. Otherwise, your team stays focused on core work.
When you’re ready to stop carrying past-due balances like extra weight on a winter drive, Contact Nexa and we’ll start with the cleanest, reputation-safe path to recovery.