Nexa Collections

Fort Wayne, ready to speed up cash flow? Get a local plan & quote now.

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List of collection agencies in Fort Wayne, IN
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3 Ways We Improve Fort Wayne Cash Flow (Fast, Polite, Documented)

  1. Wake up past-dues without drama. Our $15 fixed-fee touches (five contacts) nudge accounts before you spend a percentage. Results without the noise.

  2. Keep your legal risk low while collecting more. Clear consent logs, thoughtful cadence, and your approvals on settlements or any credit reporting.

  3. Stretch your internal team. We handle the follow-through so your staff can focus on today’s customers across Jefferson Pointe, Glenbrook Square, Electric Works, Dupont & Lima Rd, Coliseum Blvd, and I-69 corridors. We also collect nationwide—50 states and Puerto Rico.

Mini Case Study: From “stuck in traffic on Coliseum” to moving again

A Fort Wayne multi-site dental/ortho group placed 204 balances (avg. $228; 0–150 days). We launched Step 2 letters with a self-serve pay link, then moved select files to Step 3. In 37 days, $22,940 posted, another 13% enrolled on 3-month plans, and front desk staff reclaimed 7 hours/week previously spent on reminder calls.

Why Switch to Us (when another vendor stalls)

  • Precision spending: Start with fixed-fee touches; escalate to contingency only when necessary.

  • Reputation-safe outreach: Calm, option-driven conversations (pay-in-full, short plan, settle) that protect your name on Google.

  • Finance-ready clarity: Dashboards, time-stamped notes, and approvals you can show at month-end.

  • Built for Fort Wayne’s mix: Healthcare, schools, property management, B2B supply, trades, memberships—we adapt the playbook to each.

Service Types & Pricing (start where it fits)

• Step 1 — First-Party Courtesy Reminders (Fixed-Fee)
We act as your extension with five soft reminders for fresher balances (0–60 days), sent as if these reminders are coming from you. Typical Fee: $15 per account.

• Step 2 — Third-Party Written Demands (Fixed-Fee)
Five professional letters on our letterhead that prompt action while preserving goodwill. Sometimes digital contacts are mixed if permitted by law in that area. Typical Fee: $15 per account.

• Step 3 — Full Third-Party Collections (Contingency)
Persistent, polite phone + digital contact; payment plans and settlements used when helpful. Typical Fee: 40% of amounts recovered. No recovery, No Fee.

• Step 4 — Legal Collections (Contingency, client-approved)
Attorney escalation only after in-depth review; nominal filing fees initiated and reimbursed upon recovery. Typical Fee: 50% of amounts recovered. No recovery, No Fee.

Notes: In Steps 1–2, payments go directly to you; no extra fees. Free: bankruptcy screening and litigious-debtor checks.

Most clients use Step 2 → Step 3. Newer accounts recover better—place early.

Industries We Serve (HIPAA-aware for healthcare)

Small and large businesses • Medical • Dental (HIPAA compliant) • Schools/training • Utilities • Auto • Professional services (law/CPA/MSP/SaaS) • Gyms & memberships • Senior living • Property management • Parking & towing • Contractors/home services • Distribution & light manufacturing.

How We Work (practical guidance, not legal advice)

  1. Discovery & guardrails — tone, contact windows, settlement limits, reporting stance.

  2. Secure placement — simple CSV/API; we map fields and cadence to your brand.

  3. Respectful execution — choice-driven outreach, documented consents, clear promises-to-pay.

  4. Cash + clarity — dashboards, timestamps, finance-ready exports.

Indiana Collection Law — Short & Useful

  • Statute of limitations: Written contracts up to 10 years; oral/open accounts ~6 years; sale of goods (UCC) 4 years. Place early to avoid time-bar issues.

  • Judgments: Commonly valid up to 20 years (renewal rules apply); track interest and deadlines.

  • Wage garnishment (after judgment): Typically up to 25% of disposable earnings (or amount over 30× federal minimum wage), subject to exemptions.

  • Call recording: One-party consent (lawful if one participant consents).

  • Licensing: Consumer recovery tied to Indiana requires proper state licensure/registration and compliance.

FAQ 

  • Can you handle small balances at volume (memberships, utilities, student accounts)?
    Yes. Fixed-fee Steps (1–2) are ideal for low-dollar, high-count placements without overspending.

  • Do I pay if nothing is recovered?
    Steps 1–2 are low, predictable costs per account. Steps 3–4 are contingency—no recovery, no fee.

  • Can you integrate with our PMS/ERP and return exports for our GL?
    We accept CSV/API and return files aligned to your aging buckets, settlements, and fees.

  • What’s a smart placement policy for Fort Wayne?
    Many teams place at 30–45 days for memberships/retail, 45–60 days for medical/dental or higher balances—earlier if the amount is significant or prior promises were broken.

Ready to keep receivables moving—without risking relationships?

Contact us for a Fort Wayne-specific plan and quick quote.