In a city defined by the high-velocity logistics of J.B. Hunt’s global headquarters and the rapid expansion of Northwest Arkansas, stagnant capital isn’t just a line item—it’s a bottleneck to your growth. For businesses and medical practices in Lowell, the traditional, aggressive “debt collector” model is a relic that risks your reputation in a tight-knit community where a single bad review can echo from the GSQ to the Narrows. Nexa introduces a paradigm shift: the “Velvet Hammer”—a sophisticated recovery strategy that prioritizes the professional mediation of your revenue without the blunt force that damages client relationships.
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.
Need a Collection Agency? Contact us
Performance-First Recovery: $15 Fixed Fee vs. Contingency
We empower Lowell’s economic leaders with two surgical paths to reclaim lost revenue, designed for maximum cost-effectiveness:
-
Fixed Fee Account Reconciliation ($15): The “Soft Nudge” for early-stage accounts. For a flat $15 per account, we send professional, concierge-level demands. The client pays you directly, and you keep 100% of the recovered funds.
-
Performance Contingency (40%): Our “No Recovery, No Fee” model. We assume the full risk and cost of deep-data skip-tracing and professional mediation. If we don’t bring your capital home, you don’t pay a cent.
The Nexa Strategy: Your Account Reconciliation Concierge
We have retired the “collector” title in favor of Account Reconciliation Concierges. In the Current economic landscape, many “unpaid debts” are actually administrative misunderstandings or billing confusion. Our partners navigate these friction points with empathy, acting as an extension of your office to help your customers find a path to payment.
The Integrity Protocol: To ensure no rogue collector ever “review-bombs” your business or clinic, we record all calls and perform random quality audits. This ensures every interaction is professional, authoritative, and empathetic.
Industries We Serve in Lowell & Northwest Arkansas
-
Manufacturing & Logistics: Specialized B2B recovery for the transportation hubs that anchor the I-49 corridor. We understand the “Net-30” to “Net-90” billing cycles and use professional mediation to resolve high-value contract disputes.
-
Healthcare & Medical: 100% HIPAA-compliant recovery for specialty clinics and hospitals. We are experts in Current Arkansas medical debt rules, ensuring your practice recovers funds without violating patient rights.
-
Dental: Tailored recovery for dental practices and orthodontics where patient rapport is the primary business asset.
-
Colleges & Universities: Recovery for tuition fee gaps, housing balances, and bursar accounts, balancing firm tactics with the need to preserve institutional reputation.
-
Construction & Trades: Revenue recovery for HVAC, electrical, and general contractors fueling Lowell’s residential boom. We also specialize in Restoration, Pool, and specialized trade disputes.
-
Accountants & CPA Firms: Recovery of professional service fees through professional mediation that keeps your client rapport intact.
-
Banks & Credit Unions: Expert handling of delinquent consumer loans, overdrawn accounts, and deficiency balances.
-
K-12 Private & Charter Schools: Managing unpaid enrollment fees with a sensitive, diplomatic approach tailored for the city’s growing school choice landscape.
Arkansas Debt Collection: Current Legal Summary
Navigating recovery in the Natural State requires precision under the Arkansas Deceptive Trade Practices Act and federal mandates.
| Feature | Current Arkansas Regulation |
| Statute of Limitations (Written) | 5 Years (Ark. Code § 16-56-111). |
| Statute of Limitations (Oral/Open) | 3 Years (Ark. Code § 16-56-105). |
| Medical Debt Recovery | Actions must generally be brought within 2 years of the service date or last payment (Ark. Code § 16-56-106). |
| Wage Garnishment Cap | Limited to the lesser of 25% of weekly disposable earnings or the amount by which weekly earnings exceed 30x the federal minimum wage. |
Recent Recovery Results
-
B2B Logistics Recovery: A regional freight broker was owed $13,800 on a 120-day past-due account. Nexa’s mediation team identified a billing discrepancy and secured a full settlement within 22 days.
-
Medical Specialty Recovery: A surgical clinic recovered $6,200 from a series of aged balances. By utilizing our Concierge-style reconciliation, the clinic maintained a 95% patient retention rate for the recovered accounts.
Frequently Asked Questions (FAQ)
1. How does the Current shift in medical debt credit reporting affect my clinic?
New federal and state-level proposed rules are moving to eliminate medical debt from credit reports. This makes mediation-first recovery like Nexa’s “Velvet Hammer” even more critical, as traditional “credit-reporting threats” are no longer an effective or legal lever.
2. Is Nexa HIPAA compliant for my Northwest Arkansas practice?
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. What if my customer just has a simple billing question?
That is where our Account Reconciliation Concierges shine. Instead of demanding cash, we help them navigate the confusion, which often leads to immediate payment once the “administrative static” is removed.