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Re-Energizing Your Debt Recovery: Why Low Collection Rates Mean It’s Time to Act

Watching only pennies trickle back from thousands in overdue invoices? Low recovery rates aren’t a mystery—they’re a warning sign that something in your collection pipeline is broken and needs a quick fix.


Industry Quick-Take

  • Typical success rate: U.S. agencies recover 20 – 30 % of the dollars placed with them—$20–$30 on every $100.

  • Time kills accounts: Place a balance within 90 days and recovery can double; wait a full year and odds drop below 10 %.

If your current partner lags behind even these modest benchmarks, run through the checklist below before you replace them—or confirm that you definitely should.

# What to Ask the Agency Why It Matters
1 Do you publish live metrics on an online collections portal? A last-minute scramble for data means they were never tracking performance.
2 Are you running all scrubs—Change of Address, bankruptcy, litigious-debtor? Skipping them saves pennies but can lift recovery 5–8 %.
3 Did you sell me the right tier—collection letters vs. live collection calls? Letters shine in the first 120 days; older files need live calls and skip tracing.
4 Can I see sample letters? Color printing and line-item charges make debtors 17 % more likely to pay.
5 Show me two call logs from high-balance files. You should see 5–7 contact attempts in the first month.
6 What payment channels do you offer—ACH, credit-card, Western Union? More options = 10 % higher completion.
7 Is a “Settle-in-Full” policy in place? Accepting 80–90 % today beats 0 % next year.
8 Do you handle credit-bureau reporting in line with U.S. debt-collection laws? Collectors can’t threaten to report, but must tell the truth when asked.

Could You Be Behind the Low Numbers?

  • Late placements. After twelve months, the probability of recovery sinks below 15 %.

  • Missing documents. Contracts, invoices or service receipts are the collector’s legal ammunition—deliver them within 48 hours of request.

  • Portfolio mix. A cluster of bankruptcies or skip-traced accounts drags any metric down; compare your file to industry averages before placing blame.


Real-World Example

ABC Pediatric Clinic sent $50,000 in 120-day-old co-pays to one of NexaCollect’s vetted partners and recovered $24,500 (49 %) within six months—more than double the 22 % rate they saw with their previous agency.


Ready for Better Results?

NexaCollect has already vetted agencies that post 40–55 % recovery on fresh medical and small-business debt—nearly twice the industry mean. Want an introduction? Contact us for a free, no-obligation referral.

Filed Under: Debt Recovery

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    Note: Nexa is an information portal that helps businesses and medical practices to find a good collection agency at no cost to them. We are not a collection agency. We do not perform any collection activity, nor take payments, nor do any credit reporting. Leads shared with shortlisted agencies with Low Contingency Fee and High Recovery rates.

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    Copyright © 2025 NEXACOLLECT.COM | All information on this website is for general information only and is not an experts advice. We do not own any responsibility for correctness or authenticity of the information, or any loss or injury resulting from it. Nexa is not a collection agency. Relevant inquiries are contacted by our shortlisted collection agency partner(s)

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