Kearney Runs on Throughput—Your Accounts Receivable Should Too
Kearney sits right where momentum happens: I-80 travelers rolling under the Archway, US-30 traffic feeding local business, and UNK bringing steady student life to Central Avenue. When invoices go past due here, they don’t just “age.” They clog your workflow—like a slow merge lane that backs up your whole week.
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
Pricing That Doesn’t Punish You for Needing Help
-
Fixed-fee: $15 — you keep 100% of what’s collected.
-
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—because details are fresh and the debtor hasn’t learned they can stall you out. 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 are available—Spanish collectors also on board.
Money saver tip: Many clients are able to treat the fixed-fee service as a business expense after consulting their CPA.
The Archway Rule: Give Debtors One Clear Path to “Paid”
Kearney’s Great Platte River Road Archway doesn’t ask drivers to guess where to go—it literally spans the highway and guides the flow. Collections work better the same way. When you argue, the debtor feels attacked and starts protecting pride. When you guide, the debtor starts protecting their future—and payment becomes the quickest way to move on.
That’s the Velvet Hammer: a diplomatic style that is firm enough to secure payment but respectful and soft enough to protect your 5-star online reputation. We don’t create enemies. We create closure. We also do a litigation scrub to protect you from collecting debt from riskier people and avoid avoidable blowups.
Red Flag Box: 3 Kearney “Delay Moves” That Kill Recovery
-
“It’s in Accounts Payable—resend it.” Translation: they’re testing whether you’ll stop following up.
-
“We dispute it.” If they won’t put the dispute in writing with specifics, it’s usually a stall.
-
“Send it to a new address.” Without verification, you can waste weeks mailing the wrong place.
A Note From the Account Reconciliation Team
We keep our tone controlled on purpose. Kearney is a reputation town—word travels from downtown offices to service counters faster than you’d think. That’s why calls are recorded and randomly reviewed to prevent rogue collectors and reduce review-bomb risk. You get results without the drama.
What We Do First (So You Don’t Pay for Guesswork)
Before we “push,” we tighten the file. That’s where the recoveries come from.
-
USPS address checks to reduce “never received it” excuses
-
Skip tracing when the contact trail is stale
-
Bankruptcy check so you don’t chase the wrong account the wrong way
-
Clear options: pay in full, short plan, or structured settlement
-
Credit reporting if you choose and if permitted (used strategically, not as a bluff)
Two Recent Recovery Results (Reputation-Safe, Step-by-Step)
Medical recovery — Kearney
-
Balance: $8,930 (patient responsibility after insurance processing across multiple visits)
-
Step 1: We verified contact details and delivered a clean summary—dates, balance, and two payment paths—no lecturing.
-
Step 2: Debtor preferred text confirmations; where permitted, we used messaging to confirm plan dates and remove missed-call friction.
-
Step 3: Plan completed on schedule. Account closed quietly—no complaints, no escalation.
Business recovery — nearby Grand Island
-
Balance: $11,240 (B2B service invoice stuck behind “internal approval”)
-
Step 1: We requested the hold-up in writing and set a professional response deadline. The story got specific fast.
-
Step 2: We offered a split resolution: partial payment now + a dated final installment.
-
Step 3: Funds arrived in two clean pieces; relationship preserved, file closed.
Two $3K–$12K Mini Scenarios (Fast, Concrete)
Kearney — dental balance: $3,540
The patient kept circling back to “insurance should cover it.” We clarified responsibility, offered a respectful two-pay option, and closed the balance without a confrontation.
Nearby Gibbon — contractor receivable: $10,880
Debtor leaned on “waiting on a change order sign-off.” We asked for the exact dispute point, proposed a pay/credit resolution option, and collected once the story had to become specific.
Industries We Serve in the Kearney Mix
-
Healthcare & Medical: 100% HIPAA-compliant recovery for hospitals and specialty clinics, with patient-respectful outreach (including regional referral patterns)
-
Colleges & Universities: Specializing in tuition fee recovery, housing balances, and bursar accounts—firm tactics balanced with student relationships and institutional reputation (UNK-area realities)
-
Dental: Dental practices, orthodontics, specialty treatment balances
-
Restoration / pool / contractors: Project disputes, storm response work, change orders, and “pay-when-paid” delays
-
K-12 Private & Charter Schools: Managing unpaid enrollment fees and textbook costs with a diplomatic approach that fits family communities
-
Accountants & CPA Firms: Recovery of professional service fees; we understand net-30 cycles and protect client rapport
-
Banks & Credit Unions: Handling delinquent consumer loans, overdrawn accounts, and deficiency balances with structured outreach and lawful remedies where pursued
-
Construction & Trades: Revenue recovery for HVAC, electrical, and general contractors—documentation-first, resolution-focused
-
B2B Commercial / Waste Management: Recurring invoices, route/service disputes, and vendor billing friction
Practical Rules That Shape Collections (Not Legal Advice)
-
FDCPA and Regulation F set federal guardrails for consumer-debt communication, including required validation information and dispute handling.
-
Nebraska limitation windows commonly referenced include 5 years for written contracts and 4 years for oral contracts (and some sales/warranty matters can follow different rules).
-
We use USPS checks, skip tracing, and bankruptcy checks to reduce wasted outreach and lower risk.
-
Credit reporting can be used if you choose and if permitted—best used consistently and thoughtfully.
FAQs
Can you use text messages with debtors who don’t answer calls?
When appropriate and permitted, yes. Text often breaks the missed-call loop and speeds up plan confirmations.
Do you have Spanish-speaking collectors?
Yes—bilingual Spanish collectors are available, which often improves cooperation and reduces misunderstandings.
What’s a Kearney-specific reason invoices stall?
AP “resubmission loops” tied to high-volume billing along the I-80 corridor. We don’t argue—we verify, document, and tighten the timeline so stalling stops working.