Nexa Collections

Collection Agency in Florida | State-Specific Knowledge Matters

Florida Revenue Recovery: Navigating “Sunshine State” Compliance Landscape

In Florida’s diverse economy—from the tourism giants of Orlando and the medical hubs of Tampa to the booming senior living sectors in The Villages—cash flow is the lifeblood of success. However, with average Florida household debt reaching $74,000 and the state’s aggressive FCCPA protections, recovering revenue requires a specialist’s precision.

Whether you are a Miami surgical center, a Naples senior living facility, or an Orlando hospitality group, Nexa provides the compliant, localized expertise needed to recover funds without risking heavy statutory penalties.

Nexa provides 100% reputation-safe, 50-state collections with free credit reporting, free litigation/bankruptcy scrubs, and zero onboarding fees. Secure – SOC 2 Type II & HIPAA compliant.

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The Florida Legal Landscape

Florida law protects debtors aggressively. If your agency doesn’t understand the “Head of Family” exemption, they are likely wasting your time and money.

Debt Type Statute of Limitations Key Regulation
Written Contracts 5 Years Fla. Stat. § 95.11(2)(b)
Oral/Open Accounts 4 Years Fla. Stat. § 95.11(3)(f)
Wage Garnishment Exempt if <$750/wk Fla. Stat. § 222.11
FCCPA Violations $1,000 + Atty Fees Fla. Stat. § 559.77

Critical 2026 Compliance Note: Under the FCCPA, original creditors in Florida are held to the same standards as collection agencies. One “harassing” call after 9:00 PM or a misstep in medical billing interest can lead to a $1,000 statutory penalty plus the debtor’s attorney fees. Nexa’s “Compliance Guard” shields you from these predatory lawsuits.

Industry-Specific Solutions for Florida

1. Medical & Hospitals: Protecting the Bottom Line

With Florida’s healthcare sector expanding, managing patient balances is the #1 challenge for administrators.

  • The Challenge: Florida law is strict on medical interest and “surprise billing” transparency.

  • The Nexa Solution: We are 100% HIPAA compliant. We use empathetic mediation to secure payment plans, ensuring your hospital stays compliant with the latest 2026 billing mandates.

2. Senior Living & Assisted Care

Florida is home to the nation’s largest retiree population. Recovering from estates or families requires extreme tact.

  • The Challenge: Aggressive tactics in senior living can result in devastating PR and regulatory fines.

  • The Nexa Solution: We specialize in Estate Recovery and family mediation, treating residents with the dignity they deserve while securing the facility’s revenue.

3. Tourism & Hospitality: High-Velocity Recovery

Orlando and Miami’s tourism sectors deal with out-of-state and international debtors who “ghost” on large event or resort invoices.

  • The Challenge: Debtors often leave the state, thinking they are out of reach.

  • The Nexa Solution: Our 50-state skip-tracing and international partnerships ensure that “vacation debt” is recovered, no matter where the debtor resides.

Cost-Effectiveness: The Nexa Advantage

Most agencies charge “maintenance” or “onboarding” fees. Nexa disrupts this model with a Risk-Free Partnership:

  • Zero Onboarding Fees: We don’t get paid until you get paid.

  • Free Data Scrubbing: We provide Free Litigation and Bankruptcy Scrubs upfront. If a debtor is “judgment-proof” under Florida’s $750/week exemption, we tell you immediately so you don’t waste legal fees.

  • Increased Recovery Rates: Our AI-driven mediation engine outperforms traditional “call-and-demand” methods by 24% in the Florida market.

Florida Success Stories: Real Results

Scenario 1: The “Miami Specialty Center” (Medical)

  • Problem: $210,000 in aging patient balances. The previous agency was using outdated 5-year statute logic, risking FCCPA violations.

  • Strategy: Nexa audited the accounts for the new 3-year medical window and implemented a compliant 2026 patient-first communication strategy.

  • Result: $135,000 recovered in 4 months with zero compliance complaints.

Scenario 2: The “Orlando Resort Group” (Hospitality)

  • Problem: A $55,000 unpaid invoice from a corporate event planner who relocated to California.

  • Strategy: Nexa used its 50-state skip-tracing to track the planner and leveraged a litigation scrub to confirm their new venture’s funding.

  • Result: Full principal recovery within 30 days via professional mediation.

Industries We Serve in Florida

  • Medical & Hospitals: HIPAA-compliant recovery for surgical centers and health systems.

  • Senior Living: Compassionate recovery for assisted living and memory care facilities.

  • Tourism & Hospitality: Securing revenue for resorts, hotels, and event venues.

  • Commercial & B2B: Recovering high-value invoices for Florida’s trade and logistics sectors.

  • Professional Services: Fee recovery for Florida legal and accounting firms.

  • Construction: Navigating Florida’s complex Chapter 713 construction lien laws.

  • Colleges & Universities: Specializing in tuition fee recovery, housing balances, and bursar accounts. We balance firm collection tactics with the need to preserve student relationships and institutional reputation.
  • K-12 Private & Charter Schools: Managing unpaid enrollment fees and textbook costs.

Restart Your Florida Cash Flow Today

Don’t let your revenue vanish into the “Head of Family” exemption or the 4-year statute window. Stop the Florida Stall.

Get a Free Florida Recovery Analysis & Data Scrub

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