Charleston Debt Recovery: Stop Chasing. Start Collecting.
In the Lowcountry, cash flow is the difference between leading the market and losing your edge. Whether you’re fueling the aerospace boom in North Charleston, managing a specialty clinic in West Ashley, or navigating the logistics of the SC Ports, unpaid invoices are a liability you can’t afford to carry.
As South Carolina’s regulatory environment shifts—making traditional “credit dings” less effective—you need a recovery partner that uses high-level mediation to get you paid. Nexa delivers professional, aggressive, and compliant recovery designed for the Charleston economy.
Nexa provides 100% reputation-safe, 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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The Nexa Advantage: Pricing Built for ROI
Maximize your recovery with a model that fits your balance sheet:
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Fixed-Fee Recovery ($15/Account): Direct-to-you payments. You keep 100% of the recovered funds. Best for early-stage B2B and dental accounts.
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Contingency-Based Recovery (20%–40%): If we don’t collect, you don’t pay. We take the risk; you get the results.
Charleston Market Intelligence
The “Holy City” is an economic powerhouse driven by three pillars: Healthcare, Aerospace, and Logistics. With major players like Boeing, Volvo, and MUSC anchoring the region, the interdependency of the local supply chain is massive.
Current data shows Charleston’s GDP growth consistently outperforming national averages, but this rapid expansion often leads to “net-30” or “net-90” lag. For the 250+ tech firms and thousands of medical providers in the region, Nexa provides the professional leverage required to close those gaps.
Strategic Recovery for Key Industries
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Healthcare & Medical: 100% HIPAA-compliant recovery. With new 2026 restrictions on medical credit reporting in SC, our direct mediation approach is the only way to secure patient balances effectively.
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Manufacturing & Logistics: B2B recovery for the aerospace and automotive clusters. We understand the high stakes of commercial supply chain debt.
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Construction & Trades: Revenue recovery for HVAC, electrical, and restoration contractors. We turn your finished projects into liquid capital.
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Colleges & Universities: Specialized tuition and housing recovery for Charleston’s higher-ed institutions.
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Accountants & CPA Firms: Professional mediation for professional fees. We recover your money without burning the client bridge.
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Dental: Specialized recovery for general dentistry and orthodontics. High-volume, low-friction results.
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K-12 Private & Charter Schools: Diplomatic recovery of enrollment fees and textbook costs for the city’s growing school choice sector.
South Carolina Debt Law: The Facts
Navigating the South Carolina Consumer Protection Code (CPC) is non-negotiable.
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Statute of Limitations: You have 3 years for most unsecured debts (credit cards/medical). Wait longer, and your legal leverage vanishes.
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Wage Garnishment: Generally prohibited in SC for most consumer debts. This is why our advanced negotiation and mediation tactics are superior to “automated” agencies.
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Medical Reporting (2026 Update): Legislative shifts now restrict reporting medical debt to credit bureaus. Our direct recovery model bypasses this hurdle, allowing you to collect where others can’t.
Recent Charleston Recovery Wins
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Medical Clinic (West Ashley): Recovered $9,200 in delinquent patient balances within 22 days using our $15 fixed-fee strategy.
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Logistics Firm (SC Ports): Secured $14,850 from a regional distributor on an account 180 days past due. Zero litigation required.
Charleston FAQ
1. Is the $15 fee a “gimmick”?
No. It’s a strategic first-strike. It puts the debtor on notice with professional representation, which often triggers immediate payment for local B2B and dental accounts.
2. Can you collect if wage garnishment isn’t an option in SC?
Absolutely. Because SC is a “non-garnishment” state, our team is trained in high-level mediation and asset location—tactics that move your invoice to the top of the debtor’s “must-pay” list.
3. Does this work for out-of-state customers?
Yes. Charleston is a global hub. We track and recover funds from debtors regardless of where they move.
Secure Your Cash Flow Today
Stop waiting. Start recovering. Let Nexa handle the heavy lifting while you focus on growth.