Nexa Collections

Smarter Debt Recovery for Banks: Higher Returns, Lower Risk

Partner with us—a trusted collection partner with national reach, strict compliance, and deep industry experience—to recover your bank’s past-due loans efficiently and professionally. We serve numerous banks and credit unions, protect your customer relationships, and offer a secure, easy-to-use process.

Debt Recovery for Banks & Credit Unions: Recover More While Reducing Risk

Banks and credit unions are heading into a tougher credit cycle. Delinquencies on credit cards, auto loans, student loans, and small business credit are all rising at the same time, putting pressure on capital, staffing, and compliance.

In this environment, an in-house team or a “good enough” outside vendor is no longer sufficient. You need a recovery partner that can lift liquidation rates, reduce legal and regulatory exposure, and protect your brand in the process.

We built our service around exactly that goal.

The Problem: Rising Delinquencies + Higher Scrutiny

Over the next few years, most institutions will see:

  • Higher delinquencies and charge-offs across multiple portfolios, not just one.

  • Intense regulatory focus on third-party risk, data security, and complaint management.

  • Public review pressure, where a few bad collection experiences can drag your Google rating and burn your marketing spend.

Your recovery partner now sits squarely in the middle of all three.

Why “Good Enough” Vendors Are Now a Liability

1. Compliance & data security risks

Regulators now hold banks directly accountable for their vendors. A non-compliant recovery team, weak data security, or poor handling of complaints can quickly turn into:

  • Examiner findings on third-party risk

  • Costly data-breach notifications and penalties

  • Class-action exposure around FDCPA/TCPA/UDAAP violations

If your current vendor can’t show you real evidence of compliance and security (SOC 2, pen-test summaries, written incident response plan, GLBA-aligned safeguards, fourth-party oversight), they are putting your institution at risk.

2. Reputation and your “4.2-star problem”

To your past-due customers, your recovery partner is your brand.

Aggressive or sloppy tactics no longer stay hidden. Reviews and complaints are captured in Google, Yelp, social media, and AI-powered overviews. If your institution’s name appears next to words like “harassing calls,” “rude collectors,” or “incorrect debt,” it erodes trust with the very consumers you’re trying to acquire and retain.

For many banks and credit unions, anything under roughly a 4.2-star public rating is now a business risk—and collection experiences play a major role in that score.

3. Technology gap and in-house inefficiency

Most internal teams and legacy agencies are still built around manual dialing and basic dialers. That model:

  • Spends the same time on accounts that will never pay as on those that will.

  • Keeps fixed costs high regardless of recovery results.

  • Makes it hard to document every decision and interaction for audits.

Modern recovery is data-driven. Without AI-supported scoring, digital outreach, and real-time compliance monitoring, you leave money on the table and increase risk.

How We Help Banks & Credit Unions Recover More, Risk Less

We position ourselves as an extension of your risk, compliance, and finance functions—not just a vendor making calls.

AI-Driven Performance

We use AI and machine learning to:

  • Score every account for “propensity and ability to pay.”

  • Prioritize agent time on the segments most likely to cure.

  • Tailor outreach (channel, timing, and tone) for each consumer.

This allows us to recover significantly more than manual models, without escalating complaints or regulatory exposure.

Audit-Ready Compliance

Compliance is built into our platform and workflows:

  • Real-time monitoring of 100% of calls and digital communications.

  • Automated guardrails for call frequency, time-of-day rules, and disclosures.

  • Documented policies around FDCPA, TCPA, UDAAP, GLBA, and new rules affecting overdrafts and small-business guarantors.

  • Clear incident-response procedures, complaint tracking, and reporting that plug neatly into your existing vendor-management framework.

When examiners ask, you have a clean, auditable story to tell.

Reputation-First Collections

We design our approach to protect your Google rating and public image:

  • Respectful, empathetic outreach aligned with your member/customer ethos.

  • Digital-first options like email, SMS, and self-service portals for resolving accounts.

  • Flexible payment plans and settlement options that drive resolution instead of conflict.

The result: higher recovery, lower complaint volume, and fewer “nightmare collection” stories attached to your name.

Coverage, Pricing & Service Model

We can work with institutions of all sizes across all 50 states and Puerto Rico.

Our model is flexible:

  • Fixed-fee services for early-stage accounts
    – Roughly $15 for five contacts (ideal for earlier delinquency, “Step 1 & Step 2” style reminder and demand campaigns).

  • Contingency services for later-stage and charged-off accounts
    – Typically around 40% on amounts successfully recovered (“Step 3” traditional recovery, with an optional “Step 4” legal escalation where appropriate).

Most clients use a combination of Step 2 + Step 3—starting with cost-effective fixed-fee work, then moving selected accounts into our contingency workflow based on performance and propensity-to-pay scoring.

This structure keeps early-stage costs predictable while maximizing net-back on older, tougher portfolios.

What Happens When Institutions Switch to Us

When banks and credit unions move from a legacy vendor or in-house only model to our platform, they typically see:

  • Higher liquidation rates across credit card, auto, DDA, and small-business portfolios.

  • Cleaner complaint and compliance profile, with better documentation for OCC/FDIC/NCUA reviews.

  • Less noise for their executive and legal teams, because recoveries and risk controls are handled within a single, transparent framework.

Typical use cases include:

  • Auto loan deficiencies after repossession – Where we apply predictive skip-tracing and settlement-focused outreach, often more than doubling in-house recovery rates while keeping complaints near zero.

  • Legacy charged-off credit card portfolios – Where we re-score “exhausted” files and capture incremental dollars from segments previous vendors considered dead.

  • Charged-off DDA/overdraft accounts – Where we separate “fee” vs. “loan” overdrafts to align with the latest CFPB guidance and avoid TILA traps.

  • Smaller commercial and SBA-backed loans – Where new laws now treat many guarantors like consumers, requiring FDCPA-style protections and documentation.

Serving Banks Nationwide

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High data security and privacy standards

Questions You Should Ask Any Recovery Partner

Whether you work with us or another provider, your RFI/RFP should demand clear answers to questions like:

  • Can you share SOC 2 and recent penetration-test summaries?

  • How do you enforce state-by-state call and contact rules programmatically?

  • What is your incident-response plan for data breaches, and how will you support our GLBA and breach-notification obligations?

  • How do you manage fourth-party risk (cloud, letter vendors, dialer platforms)?

  • What does your complaint-handling workflow look like, and how will we see trends and root-cause analysis?

  • How do you use AI to both increase recovery and reduce regulatory risk?

If your current vendor cannot answer these clearly, or will not provide documentation, it may be time to switch.

Ready to Talk About Your Portfolios?

If you’re seeing rising delinquencies, higher compliance expectations, and mounting pressure on internal teams, there is a better way to handle recovery.

We combine:

  • AI-driven portfolio analytics,

  • audit-ready compliance,

  • reputation-safe outreach, and

  • a flexible mix of fixed-fee and contingency services

to help banks and credit unions recover more, with less risk.

If you’re considering a change from your current provider—or want to benchmark your results and risk profile—let’s review your portfolios and talk through a structured Step 1–4 strategy tailored to your institution.