Nexa Collections

Debt Collection for Accounting Firms & CPA’s

accountant collection agency

A Cash-Flow Playbook for Accounting Firms, CFOs & Controllers

CPA/Accountants/ CFO are very smart people, and they are the last people who need any financial advice, definitely not us.  However, debt collection is a completely different field. We have assisted several businesses and accounting firms to effectively recover money from their past due accounts.

“One size never fits all: the tactics that move a delinquent business invoice can backfire on a consumer credit card—and vice versa.”

Late-paying clients aren’t created equal. Roughly half of North-American B2B invoices arrive late and about six percent are written off. On the consumer side, 90-day credit-card delinquencies recently climbed to their highest level in more than a decade. The table below shows why your collection strategy must split along B2B/B2C lines:

 

Metric (2025 YTD) B2B B2C
Invoices/Accounts Past Due 55 % of B2B invoices 4.3 % of household debt
“Bad-Debt” Write-Offs 6 % of credit sales 90-day card delinquencies at 12.3 %
Typical Balance Size $1 k – $60 k contract invoices $50 – $1.2 k revolving or installment
Primary Rulebook Uniform Commercial Code, contract law FDCPA, Reg F, state mini-FDCPAs

Why Tactics Diverge

Stage B2B Focus B2C Focus
Pre-Placement Re-age terms, apply set-off, lien rights Verify address, Mini-Miranda notice
Early Outreach AR-to-AP negotiations, volume rebates Soft letters, SMS within 7 AM-9 PM
Escalation UCC-1 filings, credit-manager pressure Credit-bureau reporting, hardship plans
Legal Breach-of-contract suit, prejudgment interest State-court claim, wage-garnishment caps

Three-Tier Agency Model That Covers Both Worlds

Tier 30-90 Days 90-180 Days > 180 Days
Fixed-Fee Letters ($15–$20 each) First nudge—keeps goodwill, no contingency Still works if brand reputation matters Limited effect
Contingency Calls (35–40 %) Use sparingly; may feel premature Prime time: boosts B2B and B2C recoveries 20–30 % Core engine after six months
Attorney/Suit (50 % + fees) High-balance contracts, personal guarantees Student-loan or medical balances Last resort

(Based on 2024-25 agency rate surveys)

CPA/Accountants are very smart people, and they are the last people who need any financial advice, definitely not us.  However, debt collection is a completely different field. We have assisted several businesses and accounting firms to effectively recover money from their past due accounts.

Serving Accounting Firms Nationwide

Need an Accounting Collection Agency, or for your clients? Contact Us

 

Two Quick Case Studies

  • B2B — Software-as-a-Service provider: 110 invoices averaging $3,900 aged 120-180 days. A letter-plus-call campaign collected 77 % in 28 days, preserving renewal contracts and cutting churn credits by 40 %.
  • B2C — Healthcare practice: 350 patient accounts averaging $650 stalled more than 90 days. A fixed-fee letter wave recouped 48 % within three weeks; the practice spent just $340 and routed payments directly to its own office.

How to Pick a “Dual-Fuel” Agency

  1. Nationwide licensing for both commercial and consumer collections.
  2. Separate playbooks—distinct scripts, dashboards, and compliance checks for B2B versus B2C files.
  3. Data security that meets SOC-2 and PCI standards; NDAs for corporate AR.
  4. Real-time analytics that flip between business scores and consumer FICOs to target effort.
  5. Transparent fee ladder—letters flat, calls contingency, legal cost-plus.

Five-Day Action Plan

Day To-Do
1 Pull AR aging; tag B2B accounts over $2,500 and B2C accounts over $300 that are more than 45 days old.
2 Clean data (emails, phones, EIN/SSN), correct invoice errors.
3 Place a pilot batch of 25 B2B + 50 B2C files into fixed-fee letters.
4 Review the dashboard—track promises to pay and early remittances.
5 Escalate non-responders to contingency; roll out the full portfolio every month.

Recovered cash can fund invoice-automation tools, early-pay discounts, or client-experience upgrades—closing the loop so fewer accounts hit collections next quarter.

If you are looking for a good collection agency for accountants or CPA’s,  or for their clients, we can help you.