In a city where the sun is constant but cash flow can be seasonal, your Clearwater business deserves better than the “check is in the mail” runaround. When local professional courtesy is met with persistent silence, you need an intervention that mirrors the strength of the Memorial Causeway—solid, reliable, and built to move traffic. We deliver the “Velvet Hammer” approach: a firm, decisive strike for your revenue, wrapped in the empathetic professionalism of an elite concierge service.
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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Transparent Recovery Pricing for the Pinellas Coast
We strip away the ambiguity of debt collection with two straightforward, performance-driven tiers. Our pricing is designed to keep the lion’s share of your hard-earned capital where it belongs—in your operating account.
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The $15 Flat-Fee Advantage: For early-stage delinquencies, a one-time fee of just $15 per account triggers a professional reconciliation cycle. Best of all, you keep 100% of the money collected.
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The Contingency Safety Net: For older or more complex debts, we utilize a 20%–40% contingency model. This is a zero-risk partnership: if there is no recovery, there is no fee.
Whether your enterprise is anchored near the high-traffic retail hubs of Gulf-to-Bay Boulevard or operates out of the industrial corridors near St. Pete–Clearwater International Airport (PIE), our pricing scales to protect your ROI. To evaluate which path fits your current aging report, Contact Nexa.
A Note from the Account Reconciliation Concierges
We recognize that Clearwater is a unique ecosystem where the “vacation vibe” often masks a high-stakes corporate and medical landscape. You cannot afford an aggressive, “old-school” agency that treats your neighbors like numbers. As your Account Reconciliation Concierges, we act as a seamless extension of your front office. We use empathy as a strategic tool, identifying the real-world barriers to payment and removing them with professional poise. We are the “Velvet Hammer”—unyielding in our commitment to getting you paid, yet sophisticated enough to ensure that a resolved debt never results in a “review-bomb” or a public PR nightmare.
Localization: Clearwater’s Economic Crossroads
Clearwater isn’t just a beach destination; it’s a diverse economic engine. Our strategies are calibrated for the specific regional anchors and industries that keep the 727 area code moving.
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Healthcare & Medical: 100% HIPAA-compliant recovery for surgical centers and specialty clinics, particularly those serving the medical hubs orbiting Morton Plant Hospital.
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Construction & Trades: Revenue recovery for HVAC, electrical, and general contractors working on residential builds in Island Estates or commercial renovations along US Highway 19.
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Colleges & Universities: Specialized tuition and housing balance recovery for institutions connected to the St. Petersburg College (SPC) network. We balance firm tactics with the need to protect institutional reputation and student rapport.
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Dental: Specialized outreach for orthodontics and general practices. We clear patient balances while maintaining the chair-side rapport required for long-term patient loyalty.
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Accountants & CPA Firms: We understand the “net-30” billing cycle of the area’s white-collar firms and use professional mediation to ensure you get paid without damaging high-value client rapport.
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Banks & Credit Unions: Expert handling of delinquent consumer loans and overdrawn accounts. We utilize aggressive Current garnishment insights to secure repayment on high-risk portfolios.
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K-12 Private & Charter Schools: Managing unpaid enrollment fees with a diplomatic approach tailored for Clearwater’s diverse school choice landscape.
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B2B Commercial, Restoration, & Waste Management: Professional mediation for the heavy-duty industrial and service sectors that keep the city’s infrastructure running from Downtown to Countryside.
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Restoration, Pool, & Landscaping: We recognize the seasonal cycles of Florida property maintenance and secure balances before the next storm season hits.
Recent Recovery Case Studies
The Medical Recovery (Specialty Clinic): A specialized clinic near Cleveland Street was carrying $14,200 in patient balances that had stalled for over 120 days.
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Step 1: Our concierges performed a Current asset scrub, discovering the debtor had recently secured new employment in the tech sector near Gateway.
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Step 2: We initiated a professional outreach—all calls are recorded and randomly reviewed to ensure quality—to offer a “solution-based” payment plan.
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Result: A structured 4-month payment plan was established, resulting in 100% principal recovery with zero complaints or negative reviews.
The Business Recovery (Construction Services): A local service provider was owed $13,500 for a commercial build-out near Hercules Avenue. The client was stalling due to insurance payout delays.
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Step 1: We bypassed the stalling project manager and engaged the debtor’s corporate accounting department directly.
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Step 2: Our concierges mediated a settlement that acknowledged the payout delay while securing a certified partial payment immediately.
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Result: The full balance was recovered in 18 days, bypassing the debtor’s personal delays.
Mini Scenarios: Fast $5K–$15K Recoveries
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The “Net-60” Architect: A Clearwater-based design firm was owed $7,200 for a residential project. We initiated our $15 flat-fee phase, and the professional weight of a third-party concierge prompted a full wire transfer within 5 business days.
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The Vanishing Vendor: A commercial restoration firm was owed $9,000 by a tenant who had moved locations near Coachman Road. We tracked the former tenant to their Current business venture and negotiated a settlement that avoided a lengthy court battle.
Red Flag Box: 3 Local Collection Pitfalls
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The “Tourist Season” Stall: Many debtors claim they are waiting for “the season” to pay. Accepting this allows the debt to age into uncollectability while they prioritize national creditors.
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The DIY Conflict: Attempting to collect from a local peer personally often leads to heated exchanges and public negative social media fallout. A professional “concierge” provides the distance needed for resolution.
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The 90-Day Drift: In Florida’s high-velocity market, a debt that hits 90 days has a significantly lower recovery probability. Speed in the 727 is your greatest asset.
Practical Summary of Recovery Laws
Success in Pinellas County requires navigating the strict guardrails of Current federal rules. We operate strictly within the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). This means every outreach is transparent, every debt is validated, and the debtor’s privacy is protected according to Current standards. By maintaining this high bar of professional conduct, we ensure that the “Velvet Hammer” never results in legal liability or “review-bomb” risks for your business. For a secure path to recovery, Contact Nexa.
Frequently Asked Questions
How do you prevent rogue collectors from damaging my brand?
We maintain a zero-tolerance policy for unprofessionalism. All calls are recorded and randomly reviewed by our management team to ensure our concierges remain firm but empathetic, protecting your local standing.
What happens if the debtor truly has no ability to pay?
Our Current asset-scrubbing technology identifies “ability to pay” versus “unwillingness to pay.” If an account is truly uncollectible, we will advise you early so you don’t waste further resources.
How fast can I expect to see the funds?
Many of our $15 flat-fee placements result in payment within the first 14 days, as the professional weight of a third-party intervention often moves your invoice to the top of the debtor’s priority list.