Midland doesn’t run on wishful thinking—it runs on systems. Materials move, projects move, and people move: over the Tridge at Chippewassee Park, out to Dow Gardens and the Canopy Walk, into clinics, labs, offices, job sites, and back home. But past-due invoices? They don’t “move” on their own. They sit there like a stalled conveyor belt: quiet, expensive, and distracting. And eventually, your best employees get pulled into the one task they didn’t sign up for—collections.
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 keeps control in your hands
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Fixed-fee $15 (you keep 100% of what’s collected)
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Contingency 20%–40% (no recovery, no fee)
We may also send email and text when appropriate. Involvement of a collection agency significantly improves recovery rate—the earlier you assign, the better recovery results are delivered, especially using amicable strategies. Let your staff focus on core work (care, projects, service, delivery), not uncomfortable follow-up. If you want a clean start,
Midland’s “process mindset” is your collection advantage
In a city built around precision and planning, the fastest way to lose money is to turn collections into a personality contest. Debtors don’t pay the angriest creditor first. They pay the creditor who feels clear, fair, and easy to complete.
That’s the Velvet Hammer approach: firm enough to secure payment, soft enough to protect your reputation. Our Account Reconciliation Concierges don’t come in swinging. We come in structuring—tight timelines, simple choices, and calm persistence.
Red flag box: 3 Midland mistakes that make accounts harder to recover
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Letting “AP backlog” become a lifestyle. In a PO-heavy town, “it’s in the queue” can stretch forever unless someone pins down dates and a method.
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Treating scope changes like they’re obvious. A missing change approval (even if the work is done) turns into “we’re disputing it” overnight.
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Asking the wrong team member to chase payment. Project leads, hygienists, techs, or office managers get dragged into tense calls—results drop and morale takes a hit.
Why you recover more by working with the debtor (not arguing)
Arguing creates a win/lose frame. People react by digging in, delaying, or ghosting. Cooperation creates a “how do we finish this” frame—and that produces cash.
Here’s what we do differently:
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We give two clean options. Pay-in-full by a date, or a short plan. No rambling. No emotional pressure.
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We protect your 5-star brand. Velvet Hammer means the debtor feels respected even when the message is firm.
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We run a litigation scrub to reduce the risk of collecting from debtors or situations that are strategically riskier to push.
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Calls are recorded and randomly reviewed to prevent rogue collector behavior and reduce review-bomb risk.
Two recent recovery results (reputation-safe, step-by-step)
Medical recovery — $10,740 patient balance resolved without friction
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Step 1: We verified contact details with a USPS address check and ran a bankruptcy check. Statements had been going to an older address after a move.
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Step 2: Concierge outreach focused on clarity: what insurance handled, what remained, and two payment paths that didn’t feel like a trap.
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Step 3: Patient selected a structured plan with autopay. The account closed smoothly—no escalated tone, no complaint trail.
Business recovery — $15,260 B2B invoice recovered without torching the relationship
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Step 1: We rebuilt the documentation pack (approval trail, completion confirmation, invoice timing) and identified the true payables decision-maker.
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Step 2: Mediation call: one firm deadline and two choices—pay-in-full by date or a short plan tied to their receivables cycle.
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Step 3: Partial payment landed quickly; the remainder cleared on schedule via ACH. The vendor relationship stayed intact.
Two fast $5K–$15K recovery mini-scenarios
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$6,510 dental/ortho balance: Patient stopped responding after a treatment schedule change. We used respectful reminders (including email/text where appropriate) and offered two plan options. They chose a two-payment resolution and finished it.
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$12,950 contractor/trades invoice: A mid-job scope tweak created “confusion.” We aligned the change approval, confirmed acceptance, and secured a two-step plan with dates and a clear final payoff.
Industries we serve in Midland (built around the local mix)
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Healthcare & Medical: 100% HIPAA-compliant recovery for hospitals and specialty clinics, designed to preserve patient relationships (including networks tied to MyMichigan Medical Center Midland).
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Colleges & Universities: Tuition fee recovery, housing balances, and bursar accounts—firm collection that protects relationships (including communities around Northwood University).
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Dental: Dental practices, orthodontics, and specialty offices—reputation-safe outreach that still closes balances.
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Restoration, pool, contractors: Water/fire restoration, pool builds and service, and contracting disputes handled diplomatically and documented tightly.
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K-12 Private & Charter Schools: Unpaid enrollment fees and textbook costs—sensitive outreach tailored for families.
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Accountants & CPA Firms: Recovery of professional service fees. We understand the net-30 reality and use professional mediation to avoid client blowback.
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Banks & Credit Unions: Delinquent consumer loans, overdrawn accounts, and deficiency balances. We utilize aggressive garnishment laws to secure repayment on high-risk portfolios.
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Construction & Trades: HVAC, electrical, and general contractors—keep crews producing, not chasing.
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B2B Commercial / Restoration / Waste Management: Consistent follow-up, clean documentation, and escalation only when it’s the smartest move.
Practical rules that shape outreach (not legal advice)
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FDCPA and CFPB Regulation F guide how consumer-debt communications happen (timing, conduct rules, and limits around third-party communications; rules also address how electronic messages work and how consumers can opt out in certain cases).
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Michigan’s Regulation of Collection Practices (Act 70 of 1981) restricts abusive collection conduct at the state level.
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FCRA is relevant if credit reporting is used—and that’s only if you choose and if permitted, with accuracy and dispute handling done properly.
Operationally, we also do USPS address checks, skip tracing, and bankruptcy checks before leaning in—so you don’t waste cycles pushing the wrong person or the wrong situation.
FAQs
We’re a PO-and-approval-heavy operation. Can you handle “it’s in AP” delays?
Yes. We translate vague queue-talk into specific commitments: dates, payment method, and what happens if it slips.
Does Velvet Hammer mean you’re “too soft”?
No. It means controlled. Calm voice, firm timelines, documented follow-through. That combination out-collects arguing.
Can you keep our local reputation clean while still collecting?
That’s the point. Midland is a small-world city—people share experiences. We keep outreach respectful, and calls are recorded and randomly reviewed to prevent rogue tactics.
Put your receivables back into motion
Past-due accounts shouldn’t feel like a second job for your team. If you want higher recovery with a reputation-safe approach, let the reconciliation concierges take the wheel.