Nexa Collections

Collection Agency in Denver | Compliant & Effective

Cash Flow Back, Reputation Untouched

Denver moves fast. Your receivables should too. From LoDo and RiNo to Cherry Creek, Highlands, Capitol Hill, and the DTC, we turn slow pay into paid—without fraying relationships along Colfax Ave, Speer Blvd, Santa Fe Dr, Federal Blvd, I-25 and I-70.

Nexa provides a reputation-safe approach, equipped with all 50-state collections license, offering free credit reporting, free litigation, free bankruptcy scrubs, and zero onboarding fees. Secure – SOC 2 Type II & HIPAA compliant. Over 2,000 online reviews rate us 4.85 out of 5. 

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Why Teams in Denver Switch to Us

  • Spend less to collect: Start with fixed-fee prompts (~$15 for five contacts); pay a percentage only when you need deeper lift.

  • Proven rhythm, fewer write-offs: Most clients run Step 2 → Step 3, balancing speed with relationship care.

  • Reputation stays clean: Respect-first, regulation-tight outreach shaped to your brand voice.

  • Less lift on your side: Clear dashboards, notes, and outcomes; you approve escalations.

  • Act early: Newer accounts recover better—don’t let balances age out.

Recent Denver Results 

  • Multi-specialty medical, Cherry Creek: 150 accounts → 41% in 45 days on Step 2; +15% via Step 3 plans.

  • Dental group, Highlands ↔ Wheat Ridge: 185 mixed-age → 27% on Step 1; +17% settled on Step 3.

  • Fitness/memberships, RiNo/LoDo: 90 finals → $16.8k in ~60 days; zero complaints.

  • B2B services, DTC/Inverness: 64 balances → 29% same-month after Step 2; a few high-balance files screened for legal.

How We Work (Practical, Not Legal Advice)

  1. Pick the starting track (Steps 1–3) by age/amount and sensitivity.

  2. Send a simple CSV (names, balances, contacts, dates, notes).

  3. Set tone & guardrails (gentle → firm, settlement limits, any credit reporting).

  4. We execute and document every touch, RPC, promise-to-pay, and paid-in-full.

  5. You greenlight any settlements, reporting, or legal escalation.

Service Types & Pricing

  • Step 1 — First-Party Courtesy Reminders (Fixed-Fee): Five soft reminders for 0–60 days, sent as if from you. Typical: $15/account.

  • Step 2 — Third-Party Written Demands (Fixed-Fee): Five professional letters; digital contact where permitted. Typical: $15/account.

  • Step 3 — Full Third-Party Collections (Contingency): Respectful phone + digital, payment plans/settlements. Typical: 40% of recovery. No recovery, No fee.

  • Step 4 — Legal Collections (Contingency, client-approved): Attorney only after review; nominal filing fees reimbursed upon recovery. Typical: 50% of recovery.

Notes: In Steps 1–2, payments go straight to you; no extra fees. Start at any step (1–3). Free bankruptcy screening, free litigious-debtor check (to minimize lawsuits), free latest-address check, credit reporting if you want and rules allow.

Reputation Protection

  • De-escalation first, clear options, documented consent.

  • Audit-ready records for every contact.

  • You control cadence, settlements, and reporting.

Colorado Compliance Snapshot 

  • Statutes to sue vary by contract type—date each charge and acknowledgment; don’t pursue time-barred matters.

  • Post-judgment garnishment follows federal/Colorado caps and exemptions (often up to 25% of disposable earnings).

  • Validation & accuracy: Send the validation notice with a 30-day dispute window; balances/ownership must be precise.

  • Recording calls: Follow Colorado consent rules for any recordings.

  • Medical credit reporting: Requirements are tighter—confirm your options before reporting.

Industries We Serve (Denver & Front Range)

Small and large businesses, medical, dental, schools/training, utilities, auto, professional services (law/CPA/MSP/SaaS), gyms, senior living, parking, towing, home services/contractors, startups & tech.

FAQs 

  • Can we begin at Step 3? — Yes, common for 90+ day or high-balance files; no recovery, no fee.

  • Will customers get upset? — Our approach is respectful and solution-oriented to protect reviews and referrals.

  • Do you report to credit bureaus? — Only if you want and where permitted—especially important for medical.

  • Multi-location, multi-state? — Yes. We collect in all 50 states and Puerto Rico, with location-level rollups.

  • What do you need to start? — A simple CSV; we map fields and recommend Step 1–3 based on age/amount.

About — Denver

  • Hub: Aerospace/defense, telecom, energy, fintech, healthcare, outdoor/tech.

  • Notables: Dish Network, DaVita, Arrow Electronics, VF Corp, Ball Corp, Molson Coors (Golden), Ibotta, Ping Identity.

  • Big employers: State of Colorado, City/County of Denver, UCHealth/Denver Health, Kaiser Permanente, Denver Public Schools, University of Colorado (Anschutz), Lockheed Martin, United Airlines (DEN).

  • Famous for: Rocky Mountain gateway, Red Rocks Amphitheatre, craft beer, “Mile High” (5,280 ft), Broncos/Nuggets/Avalanche/Rockies, nearby skiing.

Contact Nexa Today