Turn slow-pay into paid without denting your brand. From Beale & Main to Poplar, East Memphis, Cordova, Germantown, Collierville, Bartlett and Southaven, we run a low-friction, high-return workflow built for logistics-heavy, healthcare-rich Memphis. We collect in all 50 states and Puerto Rico.
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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Why Memphis Firms Change to Us (and stay)
- More net back: start light with fixed-fee touches on newer balances, escalate only if needed.
- Reputation intact: polite, compliant conversations—firm, never abrasive.
- Cleaner lists, fewer disputes: bankruptcy scans, litigious-debtor flags, and address hygiene are standard.
- Switching that pays: many clients arrive from other vendors and see faster acknowledgments, steadier follow-through, and clearer reporting.
How We Work (field-tested, traceable)
Practical guidance, not legal advice. We tailor to your facts and the latest rules.
- Place accounts via our secure portal (CSV/API/manual).
- Plan the right entry step by age/amount/dispute risk.
- Engage with respectful letters/calls and compliant digital where permitted.
- Payday: Steps 1–2 route payments directly to you; Step 3 is no recovery, no fee with clear monthly remits.
Service Types & Pricing (start where it fits)
- Step 1 — First-Party Courtesy Reminders (Fixed-Fee)
Five friendly nudges for 0–60 day balances, sent as if from you. Typical fee: $15/account. - Step 2 — Third-Party Written Demands (Fixed-Fee)
Five professional letters; selective digital touches where allowed. Typical fee: $15/account. - Step 3 — Full Third-Party Collections (Contingency)
Polite phone + digital, realistic plans, sensible settlements. Typical fee: 40% (No recovery, No Fee). - Step 4 — Legal Collections (Contingency, client-approved)
Attorney escalation only after review; nominal filing fees initiated by you and reimbursed upon recovery. Typical fee: 50% (No recovery, No Fee).
Always included: bankruptcy screen, litigious-debtor check, latest-address check. Credit reporting available if you want and if the law permits.
Pro tip: Under-120-day invoices resolve fastest—don’t let them age.
Recent Memphis Patterns We See
- Healthcare corridors (Poplar/East Memphis): self-pay balances respond to reminder-tone Steps 1–2; one in two recent accounts closes without escalation.
- Professional services (Downtown/Midtown/Crosstown): older invoices improve when Step 3 pairs outreach with short, affordable installments.
- Memberships, trades & contractors (Germantown Pkwy/Wolfchase/Southaven): short, respectful follow-ups deliver steady clears month after month.
Industries We Serve
Medical & Dental (HIPAA-aware) • Schools/Universities • Utilities & Municipal (water, sanitation, energy) • Auto, Parking & Towing • Professional Services (Legal/CPA) • Gyms & Memberships • Senior Living • Home Services/Contractors • Property Management • Retail & e-commerce • Small & Large Business A/R
Tennessee Collection Laws in Short
- Statute of limitations: many written-contract claims generally allow several years to sue in TN (often about six for written contracts). We screen for time-barred status and use appropriate disclosures before any voluntary-payment talk.
- Garnishment/levy: requires a court judgment and is limited by exemptions; we favor cooperative plans first.
- Add-ons: we seek only contract-permitted or legally allowed interest/fees—verified up front.
- Licensing & conduct: third-party activity follows Tennessee licensing standards and federal communication rules.
Reputation Protection (built-in)
- No-drama scripting: calm, options-first language.
- Dispute-pause protocol: we stop and validate before any next step.
- Sensitive handling: workplace limits, bereavement, and language access respected.
FAQs
- Can we jump to Step 3?
Yes—common for older or higher-balance files. - Will this upset customers?
Our approach is polite, solution-oriented, and brand-safe. - Do you operate beyond Tennessee?
Yes—all 50 states and Puerto Rico. - What’s a smart pilot?
Send 10–50 recent accounts; we’ll benchmark and tune fast.
Ready to improve cash flow?
Let’s map a Memphis-smart plan for Downtown, Midtown, East Memphis, Cordova, Germantown, Collierville, Bartlett, or Southaven.
Contact us for a quick, no-obligation review.
About — Memphis
- Hub: Global logistics, healthcare, manufacturing, food & beverage, finance.
- Notables: FedEx World Hub, St. Jude & major hospital systems, AutoZone, International Paper.
- Famous for: Beale Street & the blues, Graceland, world-class BBQ, Mississippi River grit and hustle.