Nexa Collections

Collection Agency in Nashville | Compliant & Effective

Compliant, Cost-Effective, Reputation-Safe

From Music Row and The Gulch to Green Hills, Germantown, Donelson, Brentwood, Hendersonville, and along I-40 / I-65 / I-24, unpaid invoices squeeze cash flow and drain staff time. We turn past-due accounts into predictable revenue with brand-safe, compliance-first outreach.

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 Switch to Us?

  • Lower total cost: Start with low-cost Fixed-Fee touches (about $15); pay a percentage only when deeper effort is needed.

  • Stronger outcomes: A proven cadence that reduces aging and write-offs.

  • Reputation protected: Polite, professional, compliant contact that mirrors your voice and protects your reviews.

  • Trusted partner: Highly rated on Google, transparent reporting, clear approvals.

  • Nationwide reach: One partner for Tennessee and beyond (50 states + Puerto Rico).

Our Services & Pricing (Multi-Step Approach)

• Step 1 — First-Party Courtesy Reminders (Fixed-Fee)
We act as your extension with five soft reminders for fresher balances (0–60 days), sent as if these reminders are coming from you. Typical Fee: $15 per account.

• Step 2 — Third-Party Written Demands (Fixed-Fee)
Five professional letters on our letterhead that prompt action while preserving goodwill. Sometimes digital contacts are mixed if permitted by law in that area. Typical Fee: $15 per account.

• Step 3 — Full Third-Party Collections (Contingency)
Persistent, polite phone + digital contact; payment plans and settlements used when helpful. Typical Fee: 40% of amounts recovered. No recovery, No Fee.

• Step 4 — Legal Collections (Contingency, client-approved)
Attorney escalation only after in-depth review; nominal filing fees initiated and reimbursed upon recovery. Typical Fee: 50% of amounts recovered. No recovery, No Fee.

Notes: Steps 1–2: payments go directly to you; no extra fees. Start at any step (1–3) based on age/amount.


Free: Bankruptcy screening • Litigious debtor check (to minimize lawsuits) • Latest address check • Credit reporting (if you want and if the law permits).

Reminder: Newer accounts recover better than older ones—place early.

Most clients choose : Step 2 (Fixed-Fee) → Step 3 (Contingency) for the best balance of low cost and higher lift.

Industries We Serve in Nashville

Small and large businesses, medical, dental, schools, utilities, auto, professional services (law/CPA/MSP/SaaS), gyms & memberships, senior living, property management, parking, towing, contractors, B2B suppliers, and more.

Recent Results in Nashville

  • Medical practice near Vanderbilt / West End: 135 accounts → 24% cleared on Step 1; +15% settled on Step 3—no complaints.

  • Property manager (The Gulch / Midtown move-outs): 72 balances → $16k recovered in ~60 days using Step 2 → Step 3.

  • B2B supplier (Donelson / Elm Hill Pike): 58 invoices → 27% same-month on Step 2; +12% via Step 3 plans.

How We Work

  1. Free consultation and quick file review.

  2. Securely place accounts (simple CSV; we map fields).

  3. We begin with your tone and guardrails (settlements/reporting only with your approval).

  4. You get paid with clear dashboards, notes, and outcomes.
    (This is practical guidance, not legal advice. We tailor to your facts and the latest rules.)

Key Tennessee Collection Law

  • Statute of Limitations: Many written and oral contract debts are generally actionable for six (6) years in Tennessee (contracts not otherwise provided for). Contracts for the sale of goods (UCC) carry a four (4)-year limit. Knowing these timelines helps you prioritize placements before accounts become time-barred.

FAQs

  • What if the debtor has left Tennessee?
    We collect nationwide (50 states + Puerto Rico), so relocation doesn’t stall recovery.

  • Do I pay if you don’t collect?
    Fixed-Fee (Steps 1–2): low, per-account cost for five contacts.
    Contingency (Steps 3–4): No recovery, No Fee (40%/50%).

  • How do you protect my brand’s reputation?
    Polite, solution-oriented communication, full compliance, and your approval for settlements and any credit reporting.

  • Can I start at Step 3?
    Yes—common for older or higher-balance files. Many Nashville clients choose Step 2 → Step 3 for cost control and lift.

About — Nashville

  • Hub: Healthcare, music/entertainment, tourism, logistics, auto (region), tech/startups.

  • Notables: HCA Healthcare, Vanderbilt (VUMC), Nissan North America, AllianceBernstein, Bridgestone Americas, Asurion, Tractor Supply, Amazon.

  • Big employers: HCA, VUMC, State of Tennessee, Metro Nashville Public Schools, Nissan, Amazon, Ascension Saint Thomas.

  • Famous for: “Music City,” Broadway honky-tonks, Grand Ole Opry & Ryman, Country Music Hall of Fame, hot chicken, Titans/Predators.

Contact Nexa Today