Nexa Collections

Collection Agencies in Corpus Christi, TX

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List of collection agencies in Corpus Christi, TX

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  • GHEP Corpus Christi
  • Certi-Med Collections
  • Corporate Recovery Services
  • Empire Credit and Collections

Tired of watching your cash flow drift out to sea?

Across the U.S., over half of small businesses are owed money on unpaid invoices, with an average of about $17,500 tied up—and many have invoices more than 30–90 days late.

In Corpus Christi specifically:

  • The local economy is powered by healthcare, retail, education, oil & gas, and port-related industries.

  • Median household income is around $66,000, but the poverty rate is over 17%, which often translates into tighter household budgets and more payment delays.

That leaves many businesses in and around SPID, Staples Street, and Downtown doing the work, paying their own vendors, and still waiting for customers to “catch up.”

Common symptoms you might recognize:

  • A/R aging reports packed with 60–120+ day balances

  • Staff spending hours on reminder calls instead of revenue-producing tasks

  • “Nice” follow-ups that customers ignore—and overly aggressive collectors you don’t trust with your brand

If any of that sounds familiar, the problem isn’t your work ethic. It’s your recovery system.

The solution: A 4-step, Texas-smart recovery system built to protect relationships

We use a simple, structured four-step model that fits Corpus Christi businesses of all sizes—whether you’re serving refineries, clinics, apartment residents, or tourists rolling off the Harbor Bridge.

Step 1 – First-Party Outreach ($15)
We reach out in your name—friendly reminder letters and contacts that feel like an extension of your office. This is perfect for newer accounts that just need a nudge and clear payment options.

Step 2 – Third-Party Demands ($15)
If customers keep drifting, we move to professional third-party demands. These are firm but respectful communications that make it clear the balance has to be dealt with. This step is still flat-fee, so you keep 100% of every dollar collected.

Step 3 – Contingency Work (40%)
For tougher, older, or higher-dollar accounts, we shift to no-recovery, no-fee contingency. Our team uses more intensive skip-tracing, phone work, and negotiation to close accounts without burning bridges.

Step 4 – Legal Path (50%)
When the numbers and facts justify it, we can move select accounts into a legal track with licensed attorneys. You don’t pay a fee unless funds are actually recovered through this channel.

Most Corpus Christi clients lean heavily on Step 2 + Step 3—Step 2 to clear the backlog in a cost-controlled way, Step 3 for the stubborn accounts that require more effort.

Across all steps, you also receive free bankruptcy and “litigious debtor” checks, so you avoid sinking more time into files that are legally dead or likely to fight every move.

Why this works so well for Corpus Christi businesses

In a city where energy exports, shipping, and tourism drive billions of dollars through the local economy, cash flow is your fuel.

Our approach helps you:

  • Stay cost-effective – Flat-fee Steps 1 and 2 (just $15 each) protect your bottom line, especially on smaller balances.

  • Stay compliant in Texas – We align with Texas Finance Code Chapter 392 and federal rules that prohibit harassment, misrepresentation, and unfair tactics.Texas Statutes+1

  • Protect your reputation – Whether your customers live near Ocean Drive or commute from Portland and Robstown, we treat them with dignity and respect.

  • Scale beyond the Coastal Bend – We can recover accounts across all 50 states, which is ideal if your Corpus Christi headquarters serves customers nationwide.

And yes, we’re proud of our excellent Google reviews, because they reflect how seriously we take both results and relationships.

Quick snapshot: Key Texas debt rules you should know (short and simple)

Texas is very specific about how debt can be pursued:

  • Texas Debt Collection Act (TDCA) – Third-party collectors must be bonded and cannot use threats, lies, or harassment.

  • Statute of limitations – For many consumer debts, Texas generally allows about four years from default to file a lawsuit. After that, a claim may be “time-barred” from suit, even though customers may still owe the balance.

  • Extra protections – Texas law protects certain income and property, and strictly limits wage garnishment for standard consumer debts, so aggressive threats about “taking your paycheck” are usually out of bounds.

We operate squarely inside these rules and help you avoid strategies that might invite regulatory trouble or customer complaints.

(This summary is for information only—not legal advice. Always consult your attorney for specific legal decisions.)

Mini case study: Coastal HVAC & plumbing firm near SPID

A mid-size HVAC and plumbing contractor serving refineries, restaurants, and apartment communities along SPID and the Southside reached out to us with a big problem:

  • Over $220,000 in past-due invoices, many 90–180 days old

  • Office staff spending 10+ hours a week chasing slow payers

  • Prior third-party help had used a harsh tone that caused customer push-back

Here’s what we did:

  1. Segmented their A/R –

    • Invoices under 90 days: into Step 2 ($15 third-party demands)

    • Older or disputed invoices: into Step 3 (40% contingency)

  2. Reframed communication – Clean, respectful letters and calls that matched the contractor’s brand (reliable, no-nonsense, local).

  3. Implemented a monthly placement routine – Every month, new 60+ day accounts flowed directly into our system.

Within six months they:

  • Recovered a large chunk of their delinquent A/R, including many smaller invoices that had been ignored.

  • Reduced staff time spent on chasing payments to less than two hours a week.

  • Saw no new online complaints, preserving their reputation on local review sites and social media.

Now, they treat our service as part of their standard billing process, not a last resort.

Who we’re a great fit for in Corpus Christi

We work especially well with:

  • Industrial and energy service providers tied to the Port of Corpus Christi, refineries, and midstream operations

  • Medical and dental practices, clinics, and labs around Spohn, Driscoll, and other providers

  • Property managers and landlords across Downtown, Calallen, Flour Bluff, and Padre Island

  • Professional services and B2B firms (consulting, logistics, staffing, IT, maintenance)

  • Trade schools and education providers connected to the area’s growing talent pipeline

If you send invoices and hate chasing them, there’s a good chance we can strengthen your process.

FAQ: Corpus Christi past-due accounts & how we help

Q1. What exactly are your four steps again?
We use a clear structure:

  • Step 1 – First-Party, $15

  • Step 2 – Third-Party Demands, $15

  • Step 3 – Contingency, 40% (no recovery, no fee)

  • Step 4 – Legal, 50% (if an attorney pursues and actually recovers)

You can use one step, a combination, or the full ladder depending on your goals.

Q2. Do you only work with Corpus Christi businesses?
No. We help many clients based in Corpus Christi but with customers all over Texas and across the U.S. We can work accounts in all 50 states, which is ideal for companies tied into national supply chains through the port.

Q3. Will using you upset my customers or damage my brand?
Our communications are firm but respectful. We do not believe in scare tactics. We focus on clear options, realistic payment arrangements, and a professional tone that reflects well on your name.

Q4. How do you stay compliant with Texas law?
We operate according to Texas Finance Code Chapter 392 and applicable federal standards. That means:

  • No threats or harassment

  • No misleading statements

  • Proper disclosures and documentation

We also encourage clients to consult their own legal counsel, especially when deciding whether to pursue litigation.

Q5. What’s included in your free bankruptcy/litigious checks?
Before we push accounts too far, we screen for recent bankruptcies and known “serial litigants.” This helps you avoid pouring time and money into files that are high-risk or legally uncollectible.

Q6. Can you handle smaller balances or only big invoices?
Yes, we can absolutely handle smaller invoices. Flat-fee Steps 1 and 2 make it economical to pursue lower-dollar accounts that traditional contingency-only approaches often ignore.

Q7. How quickly can you start on my Corpus Christi accounts?
Once onboarding is completed and we receive your data, we can usually start on new accounts within a few business days. Many clients begin with one or two aging reports as a pilot.

Q8. Do you provide reporting my CPA or CFO can use?
Yes. You’ll receive clear reports showing placements, recoveries, and trends. That makes it easier to forecast cash flow and defend decisions to ownership or lenders.

Q9. What kinds of industries get the best results with you?
We see strong results from healthcare, trade contractors, property management, professional services, and industrial suppliers, but any business that invoices on terms can benefit from a structured, multi-step recovery process.

Q10. What’s the easiest way to test this without a big commitment?
Most Corpus Christi businesses start small:

  1. Choose a group of 60–180+ day accounts.

  2. Place some in Step 2 and some in Step 3.

  3. Watch the recovery and customer feedback over a few months.

From there, we can scale up or refine the strategy.

Ready to keep your cash from drifting out past the jetties?

If your receivables feel like they’re floating somewhere between the Bayfront and the Gulf, it’s time to bring them back under control.

  • Turn overdue invoices into real cash.

  • Take pressure off your team.

  • Stay compliant and protect your reputation in the Coastal Bend.

Start your next billing cycle stronger – Contact us and tell us about your Corpus Christi past-due accounts.