Cherry Hill runs on momentum: Route 70 and 38 funnel work in, I-295 moves it out, and the Cherry Hill Mall parking lots fill and empty like a tide. When cash flow stalls, it doesn’t feel dramatic at first—just a few “we’ll pay next week” emails—until your AR starts living rent-free in your head.
We’re the Account Reconciliation Team behind a “Velvet Hammer” approach: firm enough to get paid, soft enough to protect your reputation in a review-heavy market that stretches from Cooper River Park to the PATCO park-and-ride lots.
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 that keeps the math simple
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Fixed-fee: $15 (you keep 100% of what’s collected)
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Contingency: 40% (no recovery, no fee)
When appropriate and permitted, we may also use email or text to speed up responses. A collection agency significantly improves recovery rates—and the earlier you assign, the better the outcomes—because we run a calm, consistent process your team doesn’t have time (or appetite) to do every day. Let your staff do the work they were hired for, not collections they obviously don’t enjoy. Bilingual collections (Spanish collectors) are also on board.
Money saver tip: Many clients are able to treat our fixed-fee service as a Business Expense (often making it feel “free” after tax impact). Talk to your CPA for what fits your situation.
A quick reality check: what Cherry Hill debt usually looks like
Cherry Hill has a unique mix—healthcare corridors near Chapel Ave, professional offices clustered off Kings Highway, and contractors hopping between Cherry Hill, Voorhees, and Mount Laurel. That blend creates common patterns:
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“Great customer, slow payer” service balances after work is already delivered
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Insurance-timing gaps for medical and dental
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Commercial jobs where the paperwork exists… just not in one place
Our playbook is built for that: verify the account, open a respectful line, remove friction, and keep the pressure professional.
Red-flag box: 3 local collection pitfalls we see a lot
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The “just one more week” loop — Net-30 quietly becomes net-120 while you keep sending polite reminders.
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Arguing instead of aligning — When the tone turns combative, debtors pay someone else first.
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Skipping the risk screen — Chasing the wrong person (or a risky one) wastes time and can backfire.
Why cooperative mediation beats arguing (and pays faster)
Most people don’t wake up wanting a fight. They pay the invoice that feels manageable, fair, and professionally handled—especially when they’re juggling multiple vendors.
Our Velvet Hammer method does three things at once:
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Gives the debtor a clean path to say “yes.” We lead with options (payment plans, card/ACH timing, settlement conversations when appropriate) instead of threats.
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Protects your name. Cherry Hill is connected—one bad interaction travels from neighborhood groups to review sites fast. We stay steady, respectful, and on-message.
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Filters legal/reputation risk early. We run a litigation scrub and basic risk checks so you’re not unknowingly pushing on accounts that could create more trouble than they’re worth.
And yes—calls are recorded and randomly reviewed to prevent rogue behavior and reduce “review-bomb” risk.
Note from the Account Reconciliation Team
We’re not here to “win an argument.” We’re here to help you get paid without turning a receivable into a public dispute. When we talk to debtors, we sound like the calm manager you’d want representing your business: clear facts, clear next step, zero theatrics.
Two recent recovery results (reputation-safe)
1) Medical balance — Cherry Hill
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Step 1: Clarified the balance (what the patient believed was insurance-covered vs. what posted) and verified contact details.
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Step 2: Offered a simple, respectful plan with a short timeline—no shaming, no pressure spikes.
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Step 3: Confirmed payment and closed cleanly with a receipt trail. Result: payment secured without escalating conflict.
2) Business-to-business invoice — nearby Mount Laurel area
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Step 1: Verified job completion documentation and the correct billing contact (not the busy project manager).
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Step 2: “Save-face” outreach that let them resolve it as an internal backlog issue, not a moral failing.
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Step 3: Structured a two-part payment (first installment immediately, second on a set date) and monitored follow-through. Result: resolved with the relationship intact.
Two fast $3K–$12K recovery examples
$3,480 (Cherry Hill): A specialty service invoice stuck in email limbo. We confirmed the right payer contact, presented the invoice + proof of delivery in one clean message, and secured an ACH date within days.
$11,760 (nearby Voorhees): A contractor balance with “change order confusion.” We separated undisputed amounts from disputed items, collected the undisputed portion first, then mediated the remainder into a settlement number both sides could live with.
Practical rules that shape collections in New Jersey (not legal advice)
Here’s what matters in the real world:
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Federal baseline: The FDCPA and Regulation F shape how consumer debts can be collected (communication rules, harassment prohibitions, time-of-day limits, and more).
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New Jersey timing: Contract-type claims commonly operate under a six-year limitations window (details vary by situation).
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Garnishment limits and court process: Wage and bank remedies are structured and limited; the point is to be accurate and compliant, not reckless.
Operationally, we also run the fundamentals:
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USPS address checks to reduce wrong-party contact
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Skip tracing when phones/emails go stale
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Bankruptcy checks before pushing hard
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Credit reporting only if you choose and if permitted in the situation
Industries we serve in and around Cherry Hill
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Healthcare & Medical: 100% HIPAA-compliant recovery for hospitals and specialty clinics.
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Dental: Dental practices, orthodontics, and specialty dentistry—diplomatic outreach that won’t scare off referrals.
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Colleges & Universities: Tuition recovery, housing balances, and bursar accounts—firm, relationship-aware strategies.
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K-12 Private & Charter Schools: Unpaid enrollment fees and textbook costs—sensitive tone that protects families and school reputation.
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Accountants & CPA Firms: Recovery of professional service fees—built for net-30 billing cycles and professional client dynamics.
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Banks & Credit Unions: Delinquent consumer loans, overdrawn accounts, and deficiency balances—structured pathways and lawful remedies where appropriate and permitted.
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Construction & Trades: HVAC, electrical, and general contractors—documentation-first recovery that respects the jobsite reality.
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Restoration, pool, contractors: Storm/flood cleanup, rebuild work, maintenance—fast contact, clear proof, calm negotiation.
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B2B Commercial & Waste Management: Recurring service invoices and pickup/haul balances—steady follow-up without reputational blowback.
FAQs
Do you handle accounts tied to Philadelphia-area commuters and multi-location businesses?
Yes. Cherry Hill’s footprint overlaps with Philly commuter patterns (PATCO lots, I-295 corridors). We’re used to tracking the right payer contact when “HQ is somewhere else.”
Will this blow up my reviews or relationships?
Our approach is designed to prevent that. We stay professional, avoid provocative language, and all calls are recorded and randomly reviewed to reduce rogue-collector risk.
What should I send you to start?
Invoice(s), basic account notes, proof of delivery/service (even simple), and the last known contact details. If you have a contract or signed authorization, include it—helps speed resolution.