Don’t Let Your Cash Flow Get Stuck on the Bridge
In East Providence, “Townie Pride” runs deep. From the industrial resurgence at Bold Point to the medical corridors along Pawtucket Avenue, this community is resilient.
But recently, doing business here has been a logistical nightmare. The infrastructure challenges connecting us to the capital have squeezed margins, delayed service calls, and hurt foot traffic. In this environment, you cannot afford a second bottleneck in your Accounts Receivable.
If you are a local business—whether a contractor stuck in traffic or a medical practice seeing fewer patients—unpaid invoices are a threat to your survival. And relying on an aggressive, “old-school” collection agency that takes 50% of your money is the last thing you need right now.
You need a partner who builds bridges, not one who burns them.
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.
Need a Collection Agency? Contact us
A “Townie-Smart” Approach to Debt Recovery
We understand the unique pressure of the Rhode Island market. It’s the smallest state, which means reputation is everything. You can’t aggressively harass a debtor in Rumford without a client in Riverside hearing about it.
Traditional agencies use a “scorched earth” policy that destroys these relationships. We use a modern, diplomatic approach designed to recover your revenue while keeping your name clean in the community.
Why East Providence Businesses Switch to Nexa
1. We Fix the Math
If you are operating on tight margins due to rising costs, giving away 40% to 50% to a collection agency is painful. Our model changes the math.
-
Step 1 & 2 (Flat Fee): For just $15/account, we act as a professional third party. We resolve the debt early, and you keep 100% of the recovered funds.
2. We Know Rhode Island Law
Rhode Island has specific regulations that out-of-state agencies often miss.
-
Licensing: The RI Department of Business Regulation strictly requires third-party debt collectors to be licensed. Operating with an unlicensed partner exposes you to liability. We are fully compliant.
-
The 10-Year Window: Rhode Island has one of the longest Statutes of Limitations in the country (10 years for civil actions/contracts). This is a double-edged sword. It gives you time, but if you wait too long, documentation disappears. We help you act while the “paper trail” is still fresh.
3. We Are “Bridge-Proof”
Your debtor might have moved to Seekonk, Fall River, or Worcester to avoid the commute. It doesn’t matter. We are licensed in all 50 states. We follow the debtor, not the zip code.
Real Results in The East Bay
The “Service Route” Recovery
A heavily impacted HVAC and Plumbing contractor based off Wampanoag Trail was suffering. The bridge traffic meant fewer calls per day, and $28,000 in unpaid invoices from frustrated homeowners was the final straw. The Strategy: We used our Step 2 (Third-Party Demand). We sent a formal, polite notice that acknowledged the work completed (verified by GPS logs). The Result: Homeowners, realizing the contractor was serious but professional, paid up. The company recovered $21,500 in 3 weeks for a cost of under $600.
The Specialist Clinic Solution
A specialized therapy center near Kent Heights had a backlog of patient copays and deductibles. They hesitated to collect because they viewed their patients as neighbors. The Strategy: We implemented a Step 1 (First-Party) campaign. We sent reminders as the clinic, just with a more structured, consistent cadence. The Result: They cleared 80% of the backlog without a single patient complaint. The revenue helped stabilize their staffing during the economic slowdown.
Our 4-Step Process: Efficiency First
-
Step 1: First-Party Outreach ($15): We act as your internal billing department. Gentle, consistent, and branded to you.
-
Step 2: Third-Party Demands ($15): A formal escalation letter from NexaCollect. This signals a shift in priority.
-
Step 3: Contingency (40%): If they ignore the demands, our expert negotiators take over. No recovery, no fee.
-
Step 4: Legal Forwarding (50%): We manage the litigation process if a judgment is required.
Frequently Asked Questions
Q: Are you licensed by the Rhode Island Division of Banking?
A: Yes. Rhode Island requires specific licensing for debt collection activities. We maintain full compliance to ensure your business is never at risk for “vicarious liability” due to an agency’s mistake.
Q: Do you handle small balances?
A: Yes. Unlike many lawyers who won’t touch a debt under $2,000, our Step 2 fixed-fee model is perfect for smaller balances ($200–$1,000) where a contingency fee wouldn’t make sense.
Q: Can you collect from a business that closed down?
A: It depends. If there was a personal guarantee (common in small B2B leases or supply contracts), we can pursue the individual owner even if the LLC is dissolved. Our Step 3 team specializes in this type of “corporate veil” investigation.
Q: Will this hurt my reputation in East Providence?
A: No. In a tight-knit town, professionalism is key. Our letters are firm but respectful. We view ourselves as mediators solving a financial problem, not “bouncers” demanding money.
Unblock Your Revenue Stream
Traffic might be out of your control, but your cash flow isn’t. Let’s get things moving again.