In the “First STEM City in America,” where world-class bioscience meets the high-velocity tourism of the Grand Canyon gateway, stagnant cash flow isn’t just a line item—it’s a disruption to your mission. As Flagstaff leads the nation in biomedical innovation and education, the “cost of waiting” on unpaid invoices has become a competitive liability for your practice or firm. Whether you are a bioscience leader in the Innovation Mesa or a specialty clinic on Beaver Street, you need more than a collector; you need a diplomat. Nexa provides Flagstaff’s elites with the “Velvet Hammer”—a relentless, data-driven recovery framework delivered with the concierge-level professional mediation that Northern Arizona’s community-driven economy demands.
Nexa provides 100% reputation-safe, 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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Performance-Driven Recovery: $15 Fixed Fee vs. Contingency
We provide Flagstaff businesses with two distinct, high-ROI paths to recovery designed to protect your bottom line and your local reviews:
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Fixed Fee Reconciliation ($15): The gold standard for early-stage recovery. You pay a flat $15 per account, the customer pays you directly, and you keep 100% of the principal.
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Contingency Recovery (20%–40%): Our “No Recovery, No Fee” model. We take the full risk—from deep-data skip-tracing to professional mediation. If we don’t bring your capital home, you don’t pay a cent.
Our “Account Reconciliation Concierge” Philosophy
We have retired the traditional “debt collector” persona. Our partners act as Account Reconciliation Concierges. In a tight-knit mountain community like Flagstaff, a rogue collector can result in a “review-bombing” campaign that stays with your business for years.
The Integrity Guard: To ensure your reputation remains pristine, we record all calls and perform random quality reviews. This ensures no rogue collector ever damages your standing. We help your customers navigate billing confusion rather than simply demanding cash, maintaining the rapport you’ve worked years to build.
Industries We Serve (Northern Arizona Specialization)
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Healthcare & Medical: 100% HIPAA-compliant recovery for regional hospitals and specialty clinics. We are experts in Current Arizona Proposition 209 mandates, which cap medical debt interest at 3% and significantly increase homestead exemptions for your patients.
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Bioscience & Biomedical: Specialized B2B recovery for Flagstaff’s elite manufacturing and research firms. We understand the high-value equipment leases and specialized service contracts that drive this sector.
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Colleges & Universities: Tailored recovery for tuition, housing, and bursar accounts for NAU and Coconino Community College. We balance firm tactics with the need to preserve student and alumni relationships.
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Construction & Trades: Revenue recovery for HVAC, electrical, and general contractors fueling the city’s residential and commercial expansion. We also specialize in Restoration, Pool, and specialized trade disputes.
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Dental & Orthodontics: Specialized recovery for local dental practices where patient trust is the primary business asset.
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Accountants & CPA Firms: Recovery of professional service fees. We understand the “Net-30” billing cycle and use professional mediation to ensure you get paid without damaging client rapport.
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Banks & Credit Unions: Expert handling of delinquent consumer loans, overdrawn accounts, and deficiency balances.
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K-12 Private & Charter Schools: Managing unpaid enrollment fees with a sensitive, diplomatic approach tailored for the city’s growing school choice landscape.
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B2B Commercial: Specialized recovery for restoration, waste management, and industrial service providers.
Arizona Debt Collection: Current Legal Framework
Navigating recovery in the Grand Canyon State requires surgical precision under Current Arizona Revised Statutes and recent voter-approved initiatives.
| Feature | Current Arizona Regulation |
| Statute of Limitations | 6 Years for medical debt, written contracts, and most open-ended accounts (A.R.S. § 12-548). |
| Medical Interest Cap | Interest on medical debt is capped at the lesser of 3% or the weekly average 1-year constant maturity treasury yield (Prop 209). |
| Wage Garnishment | Limited to the lesser of 10% of disposable earnings or the amount by which weekly earnings exceed 60x the minimum wage. |
| Exemptions | Current Homestead Exemption is $400,000 (adjusted annually for COLA), and the bank account exemption is $5,000. |
Recent Recovery Results (Coconino County Area)
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Medical Specialty Recovery: A Flagstaff-based orthopedic group was owed $7,450 on an account 180 days past due. Using our Concierge-style mediation, we secured a full principal recovery within 14 days.
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B2B Bioscience Recovery: A local medical manufacturing supplier was owed $14,200 for specialized components. Nexa’s B2B team located secondary corporate assets and secured a full settlement within 30 days.
Frequently Asked Questions (FAQ)
1. How does Arizona Proposition 209 affect my clinic?
Proposition 209 dramatically changed the recovery landscape. It lowered the maximum wage garnishment from 25% to 10% and capped medical debt interest at 3%. Nexa is fully “Compliance-Native” to these Current laws, ensuring your office never faces the legal liability of over-charging interest.
2. Is Nexa HIPAA compliant for my practice near Downtown Flagstaff?
Absolutely. Every step of our process—from data intake to our secure “Concierge” portals—is 100% HIPAA-compliant. We prioritize patient privacy as highly as your revenue.
3. Can you garnish bank accounts in Arizona for unpaid business debt?
Yes. However, Current laws exempt the first $5,000 in a single bank account from collection. We use advanced skip-tracing to identify high-value accounts, ensuring you don’t waste legal fees on accounts that are legally “judgment proof.”