Debt Recovery

In the mortgage sector, a delinquent loan is more than a line item—it represents a high-value asset tied to a sensitive community relationship. With the average cost of a single foreclosure now exceeding $50,000 in legal fees, lost interest, and property maintenance, institutional lenders need a strategy that prioritizes resolution over repossession. Nexa provides the “Velvet Hammer”—a recovery model that balances firm mediation with a “Reputation Shield” to secure your capital without the PR fallout.

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 & GLBA compliant. Over 2,000 online reviews rate us 4.85 out of 5. 

Need a Collection Agency? Contact us

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Transparent Pricing: The $15 Fixed-Fee vs. Contingency Model

We believe in maximizing your recovery through cost-effective intervention before accounts reach the point of no return.

• Phase 1: The $15 Fixed-Fee “Early-Out” (Day 45–90):

  Ideal for curing delinquency before it hardens. For just $15 per account, we provide diplomatic, third-party outreach. Payments go directly to you, and you keep 100% of the recovered funds.

• Phase 2: Contingency-Based Recovery (20%–40%):

  For aged deficiency balances or “ghosted” borrowers. This is a No Recovery, No Fee model. We utilize high-level skip-tracing and intensive mediation, and you only pay when we successfully return capital to your bank.

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Institutional Security: Built for Bank-Level Audits

Mortgage lenders handle the most sensitive Non-Public Personal Information (NPI) in the market. Nexa’s infrastructure is hardened to meet and exceed federal and state examination standards:

• Compliance Certifications: We are SOC 2 Type II and GLBA compliant, ensuring your data is managed under the highest security protocols.

• Security Infrastructure: Mandatory Multi-Factor Authentication (MFA) and High-Level VPNs for every employee. All data in transit is protected by PGP encryption.

• SCRA Compliance: We perform automatic scrubs for the Servicemembers Civil Relief Act, ensuring your institution is never at risk for non-compliant action against active-duty military personnel.

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The “Velvet Hammer”: Protecting Your Reputation

Foreclosure is a last resort that can trigger “review-bombing” and community backlash. Nexa rebrands our specialists as “Account Reconciliation Concierges.” We help your borrowers navigate billing confusion or temporary financial hurdles, keeping the dialogue productive rather than adversarial.

1. 100% Call Recording: Every interaction is recorded and archived for audit transparency.

2. Random Quality Audits: Our compliance team reviews calls daily to ensure our Concierges remain empathetic and professional.

3. Sentiment Analysis: We use AI-driven monitoring to detect call tension, ensuring your brand is always protected.

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Current Regulatory Outlook & State-Specific Realities

Navigating the mortgage landscape in Current years requires a partner who understands the shifting legal ground. Regulatory bodies like the CFPB are increasingly focused on “junk fees” and aggressive servicing tactics.

• The “90-Day Cliff”: National data shows that once a mortgage is 90 days delinquent, the probability of a “cure” without foreclosure drops by nearly 65%. Our $15 model is designed to intervene at Day 45 to bridge this gap.

• California (Judicial vs. Non-Judicial): In non-judicial states like California, we focus on high-velocity mediation to avoid the lengthier court process. However, for deficiency balances following a sale, we pivot to asset-searches to determine if a legal pursuit is viable.

• New York & Florida (The Judicial Hurdle): In states with mandatory judicial foreclosure, our “Velvet Hammer” mediation is critical to reducing the “time-to-recovery,” which can often exceed 600 days in these jurisdictions.

• SB 1061 & Privacy Trends: While some states are limiting the reporting of medical debt, the ripple effect is a higher consumer focus on credit health. We use this as a mediation lever, helping borrowers understand the long-term benefit of resolving their mortgage deficiency voluntarily.

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The Legal Escalation Path: When Mediation Ends

When diplomatic mediation is exhausted, Nexa offers a seamless transition to Legal Escalation. Where state laws permit, we utilize a network of specialized attorneys to pursue Deficiency Judgments.

• Asset Discovery: Before recommending legal action, we perform a deep-dive skip-trace and asset search to ensure the borrower has the means to pay, saving you unnecessary legal fees.

• Unified Strategy: Our “Concierges” manage the transition to our legal partners, ensuring a single point of contact for your internal recovery team.

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Recent Recovery Results: Institutional Data

• Regional Bank Portfolio:
  A lender in the Northeast had $185,000 in delinquent HELOC balances. Using our Phase 1 ($15 Fixed-Fee) service, we resolved $142,000 within 60 days. The bank retained 99% of the principal with a total collection cost of less than $500.

• Credit Union Mortgage Deficiency:
  A local CU was “ghosted” on a $14,500 deficiency balance after a short sale. Our Account Reconciliation Concierges successfully mediated a structured settlement, returning $11,200 in under 45 days without resorting to litigation.

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Frequently Asked Questions (FAQ)

Q: How do you handle escrow or insurance-related disputes?
A: Our Concierges are trained to identify when a “non-payment” is actually an escrow calculation error. We act as a mediator between your servicing department and the borrower to clear the confusion before it escalates to a formal dispute.

Q: Can you collect on multi-family or commercial mortgage products?
A: Yes. We have a dedicated B2B division for commercial real estate recovery, utilizing the same “Velvet Hammer” approach for corporate and LLC-held assets.

Q: Do you offer API integration with our servicing platform?
A: Yes. We offer secure RESTful APIs and SFTP batch processing to ensure your core banking system stays synchronized with our recovery status in real-time.

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Next Step for Your Institution:

Would you like me to send you a Current 2026 Mortgage ROI Comparison to see how our Fixed-Fee model compares to the cost of standard foreclosure proceedings?

Serving Lenders Nationwide Need an Experienced Agency for Mortgage Collection? Contact Us

 

Optometrists examine the eyes for both vision and health problems. They spend years getting the “Doctor of Optometry” degree and then gradually establish their name in the city. It is undoubtedly a promising career since a wave of aging baby boomers will eventually need to see an optometrist at some point in their life. However, optometry practices have their own set of business complications, including overdue accounts receivable.

Need a cost-effective Collection Agency for your unpaid bills? Contact Us

Optometrists regularly face several business challenges, these include:

1. Managing their employees and retaining quality talent.
2. Keeping up with government regulations.
3. Paperwork associated with running a small business.
4. Low reimbursement rates from government programs like Medicaid or Medicare.
5. Retaining patients when their employer changes vision insurance.
6. Peer competition.
7. How to expand their optometry practice to get new patients.
8. Accounts receivable and unpaid bills.

But when a patient repeatedly fails to make a payment on time, there is little that an optometrist’s office can do. Sending reminder invoices and follow-up calls often do not work. They are met with several excuses from patients, often genuine, sometimes not. In a worst-case scenario, the patient does not pick up the call, or the invoice letter gets returned as “undelivered/wrong address”.

Overdue accounts receivable can hurt the profits of a small business.

Another nightmare scenario can arise if the practice gets sued back by the patient because the in-house staff of the optometrist’s office was not fully aware of the federal and state collection laws involved while trying to recover money on past due accounts and unknowingly commits a violation. These legal complications can be costly and stressful for the practice.

Health insurance or vision insurance plans cover many optometry services. Dealing with insurance companies can complicate the billing process due to reasons like denials, delays, and the need for additional documentation.

Instead of writing off these past-due accounts receivables, transferring them to a professional Debt Collection Agency after 60 or 90 days of non-payment is advisable. 

Collection Agencies have sophisticated debt collection techniques and tools to track the debtors and recover money from them. Optometrists can select low-cost diplomatic demand demands service or a slightly more intensive collection calls service. The earlier you transfer an account for collections, the higher the chances you will recover money from it.

Collection agencies are cautious while dealing with medical debt collections. They will try to recover money diplomatically so that the patient-doctor relationships are not strained. Unethical, aggressive, and abusive tactics can ruin your practice’s reputation.

When patients realize that a debt collection agency is involved, they are far more likely to clear their outstanding bills. So, while the optometrist focuses on serving existing clients and expanding his practice, the collection agency acts as an extension of their office, recovering money from past-due accounts.

Collection Letters Service

The upfront cost for 5 Collection Letters is about $15 per account. Debtors pay directly to you, no other fees. Low cost option. Good for accounts less than 120 days past due.

Collection Calls Service

Contingency fee only. No upfront or other fees. Agency gets paid a portion of the money they recover.  No recovery-No fees. Best for accounts over 120 days. A debt collector calls debtor many times. If everything fails, a possible Legal Suit is recommended by the attorney.

Contact us for your debt collection needs.

Whether you run a public, county, or private college library, you likely have several unpaid bills (dues and late fines) from users who take books but do not return them. Hiring a professional debt collection agency can help to recover money and improve the cash flow of your institution.

Most library patrons wrongly perceive that once they issue a book and do not return it – it’s a “No Big Deal”. Libraries are funded by local, state, and federal dollars. All books and equipment of a public library are, in a way, the property of the US government.

Libraries run on tight budgets, yet they are often forced to purchase fresh copies of those books, which the existing issuers do not return. This is an unnecessary expense and eats up into their already tight budget. Patrons who return books late are imposed a late fee. Interestingly this is also a small source of revenue for public libraries.

Need a professional debt collection service to recover dues? Contact us Serving Libraries Nationwide

When a patron fails to return a book, the library has the right to take appropriate action to recover its money. Library dues are legitimate debts and can be reported to credit-scoring agencies like Equifax, Experian, and Transunion.

If a book ( or multiple books) issued by a person is not returned, then every library has a different system to handle it. Most libraries transfer their past-due accounts to professional collection agencies once the late fees exceed their threshold limit.

Collection Letters Service

The upfront cost for 5 Collection Letters is about $15 per account. Debtors pay directly to you, with no other fees. Low cost option. Good for accounts less than 120 days past due.

Collection Calls Service

Contingency fee only. No upfront or other fees. Agency gets paid a portion of money they recover—No recovery-No fees. Best for accounts over 120 days. A debt collector calls debtor many times. If everything fails, a possible Legal Suit if recommended by the attorney.

A debt collection agency will send diplomatically worded written demand letters to the patron ( aka the debtor) to clear off their library bill with interest and late fees. They can even perform debt collection in the Spanish language.

Check here: Cost of hiring a collections agency

Collection Letters are the cheapest and a very effective way to recover money. Collection agencies do several scrubs to locate the debtor if he/she has shifted from the address provided by the library, then they send the demands to the latest address of the debtor. Collection agencies have access to several tools and technologies that assist in recovering the money. Debtors are often surprised when they receive a collections letter, but many people clear their library debt quickly.

If the debtor does not pay after receiving several written demands, the account can be transferred to a professional debt collector for Collection Calls. More advanced skip-tracing tools are utilized at this stage to recover money. The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from debtors.

Collection agencies have recovered millions of dollars for public libraries. This also discourages the bad behavior of other patrons who feel that not returning a book is “No big deal”.

Contact us for your library debt collection needs.

The Mayor’s Shield: Diplomatic Revenue Recovery for the Public Sector

Recover lost municipal revenue without burdening your taxpayers. We act as a respectful extension of your municipality, recovering utility bills, EMS fees, and miscellaneous public debts while preserving the trust of your community. Plus, we are widely considered the easiest collection agency to work with!

Managing public funds is more than a fiscal task; it is a political one. When utility bills, EMS fees, and municipal services go unpaid, the resulting “Revenue Gap” forces a choice between cutting essential services or raising taxes.

At Nexa, we offer a third way. We act as a seamless, diplomatic extension of your municipality, re-engaging citizens through a “Citizen-First” approach that protects your administration’s reputation while balancing your budget.

Protect Your Administration’s Reputation – Get a Quote

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The Public Sector Standard: Revenue Without Taxation

Chasing non-compliant balances is the most ethical way to fund city services. Why ask your law-abiding, compliant taxpayers to foot the bill for those who don’t pay?

• The “Zero-Complaint” Guarantee: We understand that every person we call is a voter and a neighbor. Our mediators are trained in de-escalation, ensuring your office never receives a “harassment” complaint.

• Budget-Neutral Recovery: Where state law permits, we help you structure ordinances so that the collection fee is added to the delinquent balance. This allows your municipality to retain 100% of the owed revenue.

• GSA Certified & Vetted: As a GSA-contracted vendor, we have undergone rigorous federal vetting for financial stability, data security, and performance.

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Specialized Recovery for Essential Services

We provide expert-level recovery across the unique landscape of public debt:

• Public Utilities (Water, Sewer, Gas): We focus on “Utility Burnout” prevention. By acting as Financial Navigators, we set up payment plans that keep the lights on and the revenue flowing, avoiding the PR nightmare of service shut-offs.

• EMS & Fire Transport: These are medical debts. We handle them with a “Clinical Heart and a Commercial Brain,” ensuring 100% HIPAA compliance and compassionate outreach.

• Education & Universities: Respectful recovery of tuition, fees, and library dues for public institutions.

• Miscellaneous Fees: Business licenses, parking citations, and permitting costs.

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The Nexa “Dignity-First” Recovery Ladder

We separate “administrative confusion” from “bad debt” to maximize your recovery while protecting constituent relationships.

• Step 1: The Account Reconciliation (Fixed Fee – $15)
  Ideal for accounts 60–90 days past due. This is a soft, third-party “nudge” that identifies simple misunderstandings, insurance gaps, or missing paperwork before they escalate into legal disputes. It’s the most frictionless way to restore revenue—and you keep 100% of the money recovered.

• Step 2: Specialized Mediation (Contingency)
  Designed for high-balance aged debt, unresponsive accounts, or complex estates. We perform deep-data bankruptcy and estate scrubs to find the most ethical path to payment. As always: No Recovery = No Fee.

Why Municipal Treasurers Trust Nexa

1. Data Security: The Bank-Level Vault

Whether handling Social Security numbers or health data (PHI), citizen privacy is sacred. Our systems utilize bank-level encryption and strict PCI-DSS compliance to ensure your municipality stays out of the data-breach headlines.

2. Seamless Software Integration

We integrate with almost all municipal billing and utility platforms. Our team handles bulk file uploads (CSV, Excel, XML) to make the hand-off process effortless for your clerks and treasurers.

3. Advanced Data Scrubbing

Before a single call is made, we perform NCOA (National Change of Address) and bankruptcy scrubs. We ensure we are contacting the right citizen at the right time, minimizing wasted resources and maximizing recovery.

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Frequently Asked Questions (FAQ)

1. Does hiring an agency make our administration look “tough”?

Actually, it makes you look fiscally responsible. By recovering missing millions, you protect the budget of the entire community without resorting to broad tax increases.

2. How do you handle genuine hardship cases?

We act according to your policy. We focus on finding “Compliance Paths”—structured payment tiers that allow citizens to get back in good standing without breaking their personal household budget.

3. Is there a minimum volume required?

No. We work with municipalities of all sizes, from small rural townships with a few dozen utility accounts to large metropolitan cities with thousands of EMS claims.

 

Trusted by over 200 educational institutions to recover critical funds without alienating families. We combine a 98% “complaint-free” resolution rate with a FERPA-compliant process—recovering tuition, lunch fees, and textbooks while you focus on education. Rated 4.87 on Google Reviews! 

Managing accounts receivable in an educational setting is uniquely challenging. Unlike a standard B2B transaction, you are dealing with families, community reputation, and the sensitive nature of a child’s education. Whether you are a Private School worried about next year’s enrollment or a Public District managing thousands of small lunch balances, a single mishandled account can lead to negative publicity.

Nexa Collections acts as a diplomatic firewall. We recover the funds you are legally owed while protecting the brand and values of your institution.

The “Velvet Hammer” Approach to School Debt

We understand that parents often fall behind due to temporary financial hardships, not malice. Our approach reflects this:

• Diplomacy First: We treat parents with respect, offering solutions rather than threats.

• Preserving Enrollment: For private schools, our goal is to recover the tuition and keep the student enrolled for the next term.

• Firm Resolution: When diplomacy fails, our professional collectors use advanced negotiation techniques to secure payment.

What We Collect: Comprehensive Recovery

Schools face unique debt challenges beyond just tuition. We have specialized teams for:

• ✅ Tuition & Education Loans: Recovering past-due semester fees, private school loans, and boarding fees.

• ✅ Student Lunch Debt: Sensitive, bulk recovery for negative meal account balances in public districts (often pennies on the dollar to collect).

• ✅ Textbook & Technology: Collecting fees for unreturned rental books, broken iPads, Chromebooks, or library fines.

• ✅ Incidental Billing: Before/After-care programs, lab fees, athletic equipment, and uniform charges.

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School Collection Laws: Compliance is Critical

Collecting for schools requires adherence to strict federal regulations that standard agencies often ignore. We are experts in:

1. FERPA (Family Educational Rights and Privacy Act)

Your student data is protected. We sign a confidentiality agreement acting as a “School Official” with a “legitimate educational interest,” ensuring full compliance with FERPA while we recover funds.

2. TILA (Truth in Lending Act)

If your school offers a payment plan that includes interest or allows payments in more than four installments, TILA disclosures are required. We help you navigate these regulations to ensure your enrollment contracts are legally enforceable.

3. State Statutes of Limitations

Tuition debt has an expiration date. We analyze the age of your receivables to prioritize accounts that are still legally collectable.

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Our 2-Step Process: Tailored for Education

Step 1: The “Soft” Audit (Fixed-Fee ~ $15 per account)

Best for: Current families, Lunch Debt, or Recent Delinquencies (30–120 days). We send a series of professional courtesy reminders (letters/emails) that appear to come directly from your business office.

• Benefit: You retain 100% of the collected money. It serves as a “nudge” to busy parents without the stigma of a third-party agency.

Step 2: Intensive Recovery (Contingency Fee ~ 40% of amount collected)

Best for: Withdrawn students, “Ghosting” parents, or Debt over 90 days. Our specialized collectors take over. We use skip-tracing to locate parents who have moved, report to credit bureaus (optional), and negotiate settlements.

• Benefit: We operate on a contingency basis. No Recovery, No Fee.

Proudly Serving Schools Nationwide For a cost-effective debt recovery: Contact us (Special packages available: We understand that schools are often tight on budget.)

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Public vs. Private: We Know the Difference

For Private & Independent Schools:

Your concern is Enrollment and Reputation. High tuition balances can cripple your budget, but aggressive collections can cripple your image. We balance these needs, often recovering tuition in time for the student to return for the next semester.

For Public School Districts:

Your concern is Volume and Lunch Debt. You may have thousands of accounts with small balances ($20-$50). Our technology allows us to upload and process these bulk files efficiently, recovering significant revenue that adds up.

We understand complex enrollment contracts:
We are experts at navigating the specific terms of tuition and enrollment agreements, including clauses for mid-year withdrawal or unpaid activity fees.

Why 200+ Schools Partner With Us

• Higher Recovery Rates: Our school-specific strategies yield results 20% higher than generalist agencies.

• Zero Upfront Cost: For our standard service, we only get paid when you get paid.

• Online Portal: Track every dollar recovered in real-time through our secure client dashboard.

Recent Private School Scenarios

• $11,500 Recovered:
  A family withdrew their child mid-semester and disputed the early withdrawal fee in their enrollment contract. We respectfully validated the debt and secured payment.
• $4,200 Recovered:
  A former student’s family had unpaid athletic and activity fees from two years prior. Our 50-state license allowed us to locate them after they had moved.
• $9,800 Negotiated:
  A tuition bill was caught in a dispute between divorced parents. Our specialist acted as a neutral third party to de-escalate the situation and arrange a payment plan.

Frequently Asked Questions (FAQ)

Q: Can we collect from parents who are divorced?

A: Yes. However, we are bound by the Enrollment Agreement. We can only pursue the parent(s) who signed the contract. We advise schools to ensure both parents sign financial responsibility clauses.

Q: Do you report to Credit Bureaus?

A: Yes, but only with your permission. Reporting tuition debt to credit bureaus is a powerful tool to compel payment, especially for parents seeking to buy a home or car.

Q: What if the student is still attending classes?

A: We recommend our Step 1 (Fixed Fee) service for these families. It is gentle, looks internal, and avoids the awkwardness of a collection agency calling while the child is in the classroom.

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Stop Losing Revenue to Unpaid Fees

Tuition and fees are the lifeblood of your educational mission. Don’t let overdue accounts limit your ability to serve your students.

Get a Free School Collection Quote

If you have been ignoring to collect money from those past-due accounts, it can seriously damage the cash flow needed for the smooth functioning of your business. Here are the vital signs that your accounts receivable are already overdue for some serious collection efforts. Your unpaid bills must be assigned to a debt collection agency without further delay.

• You are losing money due to non-payment from your customers.
• More than one customer has failed to pay you.
• You have regularly started getting excuses from your customer, “I am in a meeting, let me call you back“, but the call never comes back.
• Your customer has repeatedly started breaking promises to pay off their current balance on the agreed date.
• Your customers’ checks have bounced repeatedly.
• You and your staff are unfamiliar with collection laws and regulations and unknowingly risk getting sued.
• Many of your accounts are over 90 days past due, and your internal collection efforts have effectively failed. You are losing about 10% money each month on these unpaid invoices as the probability of getting paid decreases with every passing day
  
• Your debtor is untraceable. Neither picking calls and your paper invoices are being returned as “un-deliverable” or “incorrect address“.
• You do not have the staff with enough knowledge to handle collection efforts; they are falling behind or unwilling to handle customer disputes over payment anymore.
• You are spending too much time chasing non-paying customers, time that could have been better utilized expanding your business.
• You are having trouble paying your own creditors because of non-payment from your customers. Accounts receivable have started to hurt you directly.
• You do not have the cash flow to hire new employees, forced to think about the cost-cutting measures or lack of money to purchase a piece of new equipment.
• If you have customers located all over USA, and you are finding it hard to track them.
• You got a favorable judgment from the small claims court, yet you are not getting paid by the debtor.
• A customer has falsely started pinpointing gaps in your service or how bad your product is. However, you know clearly that is not true.
• Ignoring accounts receivable has complicated the situation and can only be handled by an expert third party like a debt collection agency.

No one wants to be called by a debt collector, even if there is a legitimate reason for the call.

Debt collection agencies have resources, staff and tools to locate people, find their assets, collect money from accounts receivable and even take them to court if required.

Ignoring accounts receivable is a mistake as it will only hurt your business. It is crucial to have a company policy on how to handle accounts receivable.