Hattiesburg runs like a switchyard. Between I-59, US-49, and US-98, people are always merging, always moving—students, clinicians, contractors, and traveling decision-makers. That same motion creates a common late-pay habit: “I’ll circle back.” If your invoice keeps getting bumped to the next track, we help you get it back on schedule—without turning it into a public spectacle.
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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Pricing That Makes Action Easy
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Fixed-fee: $15 (client keeps 100% of what’s collected)
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Contingency: 40% (no recovery, no fee)
When appropriate and permitted, we may also use email or text to speed up responses. Involvement of a collection agency significantly improves recovery rate—earlier you assign, better recovery results are delivered, using our most amicable strategies. Let your employees do core work for which they were hired, rather than making them do collections which they obviously do not enjoy. Bilingual collections — Spanish collectors also on board.
Money saver tip: Most of our clients are able to get our fixed fee service for free, by declaring it as a Business Expense in taxes, after consulting their CPA.
The “Hub City” Effect: Debtors Have a Lot of Exit Ramps
Hattiesburg has major institutions and constant inflow/outflow—meaning you’re often dealing with someone who has options, distractions, and a calendar full of reasons to delay.
Local anchors that shape how overdue accounts behave:
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The University of Southern Mississippi and William Carey University create tuition-style balances, housing issues, and family budgeting realities.
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Healthcare is central: Forrest General Hospital (Forrest Health) and Hattiesburg Clinic generate patient balances that need calm, careful handling.
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Camp Shelby brings contractors, temporary residents, training cycles, and frequent address changes.
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The Hattiesburg–Laurel Regional Airport (PIB) and the I-59 corridor mean some decision-makers aren’t local—or aren’t stationary.
So we don’t treat collections like a shouting match. We treat it like traffic control: clear lanes, clear deadlines, steady signals.
Red Flag Box: 3 Local Mistakes That Make “Late” Become “Never”
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Chasing in bursts. One week of calls, then silence. Debtors learn they can wait you out.
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Letting multiple staff “try their approach.” Mixed messages create endless negotiation.
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Getting emotional. A single heated call can trigger disputes, complaints, and review-bomb risk.
Why Cooperative Mediation Wins More Money Than Confrontation
Arguing feels productive. It isn’t. When a debtor feels cornered, they go into defense mode: dispute, delay, disappear. That’s how balances age out and relationships get scorched.
Velvet Hammer is different:
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Firm enough to secure payment: clear amount, clear timeline, clear “next step.”
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Soft enough to protect your 5-star reputation: respectful tone, no humiliation tactics.
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We help you get paid first: debtors prioritize the creditor who feels easiest to close out—professional, consistent, fair.
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Litigation scrub: we screen to protect you from collecting debt from riskier people before pressure escalates.
The goal is simple: give the debtor a clean path to pay you—so paying you becomes the easiest decision they make all week.
Note From the Account Reconciliation Team
We don’t chase debt with ego. We chase it with process. We document what matters, remove confusion, and keep a steady cadence that feels inevitable—not hostile. People avoid conflict. They respond to structure.
Two Recent Recovery Results (Reputation-Safe)
Medical recovery (Hattiesburg) — $8,940 (specialty visits + “I thought insurance covered it”)
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We verified responsibility, tightened contact details, and confirmed the best channel for outreach.
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The patient was overwhelmed, not combative. We explained the balance plainly and offered a short plan with reminders (including text/email where appropriate and permitted).
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First payment posted quickly; the remainder cleared on schedule—no front desk friction, no public complaints.
Business recovery (Laurel area) — $12,760 (B2B invoice for recurring services + “AP backlog” excuse)
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Debtor kept saying “it’s in the queue.” We requested any dispute point in writing and provided a clean summary of deliverables.
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We offered two lanes: pay-in-full to close, or a split plan with firm dates and written confirmation.
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Debtor chose the split plan; we stayed calm and consistent until paid—pressure without noise.
Two $3K–$12K Mini Scenarios (Fast + Concrete)
Scenario A (Hattiesburg) — $3,680 (dental balance after a move + missed statements)
We ran USPS address checks, used skip tracing to reach the correct party, then set two payments with clear due dates. Quiet closeout.
Scenario B (Petal area) — $11,240 (contractor final invoice + change-order confusion)
We narrowed the dispute to one line item, confirmed the approval trail, and offered a short settlement window or structured payments. Debtor chose structure and completed it once the path was clear.
Practical Rules & Guardrails (Not Legal Advice)
Collections involve Mississippi rules plus key federal standards. Practically, that means: be truthful, avoid harassment, keep records clean, and respect reasonable communication boundaries. We also perform USPS address checks, skip tracing, and bankruptcy checks so you don’t waste effort on the wrong person—or a situation that shouldn’t be pursued.
If you choose and if permitted, credit reporting can be used as an additional lever and handled carefully because accuracy and disputes matter under federal rules. And to reduce rogue behavior and review-bomb risk, calls are recorded and randomly reviewed.
Industries We Serve (Tailored for Hattiesburg’s Mix)
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Healthcare & Medical: 100% HIPAA-compliant recovery for hospitals, and specialty clinics.
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Colleges & Universities: Specializing in tuition fee recovery, housing balances, and bursar accounts—firm, but reputation-safe for student relationships.
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Dental: dental practices, orthodontics.
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Restoration, pool, contractors: project billing, change orders, and closeouts handled diplomatically.
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K-12 Private & Charter Schools: Managing unpaid enrollment fees and textbook costs with a sensitive approach that protects community trust.
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Accountants & CPA Firms: Recovery of professional service fees aligned to net-30 cycles without damaging client rapport.
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Banks & Credit Unions: Expert handling of delinquent consumer loans, overdrawn accounts, and deficiency balances. We utilize aggressive garnishment laws to secure repayment on high-risk portfolios (where available and appropriate).
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Construction & Trades: Revenue recovery for HVAC, electrical, and general contractors.
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B2B Commercial: Restoration, Waste Management, and recurring services where steady cadence wins.
FAQs
Is Hattiesburg “too connected” for collections without reputational blowback?
It’s connected—so you need a calm, professional approach. Velvet Hammer is built for that, and calls are recorded and randomly reviewed.
Do you handle accounts tied to campus life or training cycles (USM / Camp Shelby)?
Yes. Those accounts often need better contact verification and a respectful plan-based path to payment.
When should I assign an overdue account?
Earlier. Fresh contact info and fresh memory typically mean higher recovery and fewer disputes.