Natchez sits high on the bluff, but money problems don’t stay “up there.” A past-due balance can slip downhill fast—into awkward conversations, strained relationships, and reputation risk—especially in a place where businesses run on repeat customers and familiar faces. The Velvet Hammer approach is built to get you paid without turning a bill into a feud.
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 (simple, upfront)
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Fixed-fee $15: you keep 100% of what’s recovered.
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Contingency 40%: no recovery, no fee.
When appropriate and permitted, we may also use email or text to speed up responses. Involvement of a collection agency significantly improves recovery rate—the earlier you assign, the better recovery results are delivered, using our most amicable strategies. Let your employees do the core work they were hired for, rather than making them do collections which they obviously do not enjoy. Bilingual collections are available (Spanish-speaking collectors also on board).
Money saver tip: Many clients are able to get our fixed-fee service effectively “free” by treating it as a business expense after consulting their CPA.
A Natchez metaphor: keep the relationship on the bluff, move the payment “down to the landing”
Natchez knows the difference between the bluff and the landing. You can enjoy the view up top, but the real business happens where things move—where deliveries arrive, where routes connect, where the next step is practical.
That’s how we recover debt. We keep the conversation calm “up on the bluff” (respectful, reputation-safe), while we guide the payment process “down to the landing” (clear choices, deadlines, and follow-through).
Local anchors that shape how people pay here
Natchez has a distinct economy and flow. We tailor outreach to it:
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U.S. 61 and U.S. 84 routes that tie Natchez to regional vendors and service crews
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The Natchez–Vidalia Bridge linking customers and contractors across the river
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The Port of Natchez–Adams County and its logistics-adjacent invoicing (freight, equipment, services)
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Under-the-Hill and the riverfront hospitality ecosystem where reputation spreads quickly
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Natchez Trace Parkway southern terminus tourism patterns and seasonal cashflow
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Merit Health Natchez and the medical corridor where billing complexity is real
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Events like Spring Pilgrimage that drive hospitality, trades, and short-fuse vendor work
Why cooperative mediation wins (and arguing usually costs you)
Debtors don’t pay the loudest voice first. They pay the account that feels easiest to close—clean documentation, a respectful tone, and a path that doesn’t make them defensive.
Arguing triggers three predictable outcomes:
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They go silent.
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They pay someone else first.
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They create reputation friction (complaints, reviews, “you won’t believe what happened…”).
Our Velvet Hammer approach is diplomatic but firm:
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We lead with clarity: what’s owed, why, and how to close it.
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We offer controlled options: pay-in-full, short plan, or settlement—time-bound, not open-ended.
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We keep the tone soft enough for your reputation, while staying firm enough to secure payment.
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We run a litigation scrub before escalation to avoid chasing riskier situations the wrong way.
To prevent rogue behavior and review-bomb risk, calls are recorded and randomly reviewed.
Note from the Account Reconciliation Team
We don’t “turn the heat up” for sport. We look for the real blocker. Sometimes it’s a missing PO number. Sometimes it’s a manager who never saw the invoice. Sometimes it’s pride. Once we find the blocker, we give the debtor a dignified way to fix it—so paying you becomes the easiest decision on their desk.
Two recent recovery results (quiet wins, reputation-safe)
Medical recovery in Natchez — $9,180 recovered (clinic balance)
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Step 1: Verify and reach the right party. We confirmed contact details using address checks (USPS-based where available) and avoided wrong-person outreach.
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Step 2: Reset the story. Clear explanation, no blame. We offered pay-in-full or a short plan with firm dates.
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Step 3: Consistent follow-up. Text/email reminders where appropriate kept momentum. Account resolved without blowback.
Business recovery in nearby Vidalia — $16,240 recovered (B2B services invoice)
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Step 1: Turn the “approval delay” into specifics. Who approves, what’s missing, when it closes.
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Step 2: Mediation framing. “Let’s close this vendor file before the next pay run.” Calm tone, firm deadline.
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Step 3: Escalation-ready after litigation scrub. Once screened, we set a final date. Payment arrived to avoid disruption.
Two $3K–$12K mini scenarios (fast, concrete)
Natchez — $3,640 (contractor/trades)
Job completed, customer raises a late-stage complaint to stall. We acknowledge the concern, offer a small controlled adjustment tied to immediate payment (or a short plan), and set a close-out deadline. Two payments later, file closed—no drama.
Nearby Brookhaven — $11,780 (B2B commercial / recurring service)
AP insists the invoice “never came through.” We verify delivery, resend once with a clean ledger summary, and align a deadline with their payment cycle. A final reminder text (where appropriate) gets it cleared the same week.
Industries we serve (built for Natchez + the Miss-Lou region)
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Healthcare & Medical: 100% HIPAA-compliant recovery for hospitals and specialty clinics, with patient-sensitive language.
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Colleges & Universities: tuition fee recovery, housing balances, bursar accounts—firm tactics without harming institutional reputation.
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Dental: dental practices, orthodontics, specialty offices with multi-visit treatment plans.
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Restoration / pool / contractors: work orders, change orders, insurance timing gaps, finished-but-unpaid jobs.
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K-12 Private & Charter Schools: unpaid enrollment fees and textbook costs handled diplomatically in a community-first market.
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Accountants & CPA Firms: recovery of professional service fees; net-30 cycles handled with professional mediation.
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Banks & Credit Unions: delinquent consumer loans, overdrawn accounts, deficiency balances; lawful post-judgment remedies where appropriate.
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Construction & Trades: HVAC, electrical, general contractors—structured recovery that keeps crews working.
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B2B Commercial / Waste Management: recurring invoices, route/service disputes, documentation-driven recovery.
Practical laws summary (not legal advice)
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Federal baseline: FDCPA and CFPB Regulation F guide debt collection communications, including guardrails and procedures around modern channels (email/text).
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Mississippi time limits matter: many actions on open accounts / unwritten contracts commonly fall under a three-year limitation period; other claims may also follow Mississippi’s general three-year rule.
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Garnishment typically follows judgment, and wage garnishment has limits and exemptions.
Operationally, we use skip tracing, bankruptcy checks, and USPS-based address checks (where available). Credit reporting can be used if you choose and if permitted.
FAQs
Will this cause backlash in a tourism-heavy town where reputation is everything?
We’re built for reputation safety. Velvet Hammer outreach stays respectful, and calls are recorded and randomly reviewed to prevent rogue behavior.
Can you work accounts that bounce between Mississippi and Louisiana across the river?
Yes. We routinely handle cross-river contact and verification, and we use skip tracing/address checks to avoid dead ends.
Do you support Spanish-speaking outreach?
Yes. Spanish-speaking collectors are available, and it often speeds up resolution.