To expand your business or medical practice as a powerhouse in Murfreesboro’s rapidly expanding economy, you need a revenue cycle that is as reliable as the city’s growth. With Murfreesboro consistently ranking as one of the fastest-growing cities in the U.S., local businesses—from the medical hubs near Saint Thomas to the logistics corridors along I-24—often face the challenge of “growth-driven debt.”
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.
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Transparent, Risk-Free Pricing
We believe in straightforward options that keep you in control of your cash flow:
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Fixed-Fee Service: Only $15 per account. This is a low-cost, high-impact option where the client pays the recovery directly to you.
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Contingency-Fee Service: 20%–40%. Our “No Recovery, No Fee” guarantee means we only get paid when you do.
Specialized Industries We Serve
We have tailored our recovery strategies to fit the unique economic landscape of Middle Tennessee:
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Healthcare, Dental & Medical: 100% HIPAA-compliant recovery for hospitals, dental practices, and specialty clinics. We navigate the nuances of the Tennessee Medical Debt laws to ensure you remain compliant while securing your revenue.
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Manufacturing & Logistics: B2B recovery for automotive suppliers and industrial firms in Middle Tennessee’s thriving distribution hub. We handle high-value freight brokerage and warehousing disputes with the precision these industries demand.
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Colleges & Universities: Supporting institutions like MTSU and private colleges with tuition fee recovery and bursar accounts. We balance firm tactics with the diplomatic approach needed to preserve institutional reputation.
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K-12 Private & Charter Schools: Managing unpaid enrollment fees and textbook costs. We offer a sensitive approach tailored to Tennessee’s growing private education sector.
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Accountants & CPA Firms: Recovery of professional service fees. We understand the “net-30” billing cycle and use professional mediation to ensure you get paid without damaging client rapport.
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Banks & Credit Unions: Expert handling of delinquent consumer loans and overdrawn accounts. We utilize Tennessee’s garnishment laws to secure repayment on high-risk portfolios.
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Construction & Trades: Revenue recovery for HVAC, electrical, and general contractors working on Murfreesboro’s many new residential and commercial developments.
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B2B Commercial, Restoration & Waste Management: Professional recovery for service-based businesses that keep our local infrastructure running.
Important Tennessee Debt Collection Laws
Navigating local regulations is critical to avoiding litigation. In Tennessee, we adhere to strict standards:
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Statute of Limitations: In Tennessee, the statute of limitations for both oral and written contracts (including medical debt and credit cards) is 6 years.
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Medical Debt Reporting (New): As of July 1, 2025, Tennessee law prohibits healthcare providers from reporting medical debt to consumer reporting agencies. However, the law explicitly allows providers to use third-party debt collection agencies to recover these funds.
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Licensing: All third-party collectors must be licensed by the Tennessee Collection Service Board and registered with the state.
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Wage Garnishment: Once a judgment is secured, Tennessee law allows for wage garnishment, providing a powerful tool for recovering high-value balances.
Recent Recovery Successes
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Medical Recovery: We recently recovered $14,200 for a specialty clinic in the Gateway district. By utilizing a “soft-touch” diplomatic approach, we secured payment for several 120-day-old accounts without a single negative patient review.
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Business Recovery: For a local logistics provider, Nexa successfully recovered a $28,500 delinquent balance from a regional vendor. The dispute was resolved through professional mediation in under 45 days, saving the client the cost of a protracted legal battle.
Frequently Asked Questions (FAQ)
Q: Can I still collect on medical debt in Tennessee with the new credit reporting laws?
A: Yes. While you can no longer report medical debt directly to credit bureaus as of July 2025, you are fully permitted to hire a licensed collection agency like Nexa to pursue the balance through direct communication and legal channels.
Q: What is the benefit of the $15 fixed fee versus contingency?
A: The fixed fee is ideal for “early-stage” debt (30–90 days). It acts as a professional nudge that keeps the relationship intact and ensures 100% of the recovered funds go directly into your pocket.
Q: Does Nexa handle legal escalations in Rutherford County?
A: Yes. If our initial efforts do not yield results, we can facilitate the transition to legal collections, utilizing Tennessee’s robust garnishment and lien laws to secure your payment.
Ready to recover your missing revenue? Click here to get started with Nexa Collect