Don’t let your revenue sit at anchor while your business tries to move forward.
Running a business in Norfolk takes resilience. Whether you are managing a busy medical practice near Ghent, running a logistics hub supporting the port, or serving students near Old Dominion University, you need your cash flow to move as reliably as the tide on the Elizabeth River.
But right now, your accounts receivable might look more like rush hour traffic at the Hampton Roads Bridge-Tunnel: completely stalled. When invoices go unpaid, you aren’t just losing money; you’re losing the ability to reinvest in your team and your growth.
We bring a fresh, energetic approach to debt recovery. We are not your typical aggressive callers; we are a strategic partner dedicated to getting your accounts moving again. Here are three ways we help Norfolk businesses get paid.
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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1. We Slash Your Recovery Costs (Stop Paying 40% fee on Day One)
The old industry standard is broken. Most agencies immediately demand 30% to 50% of everything they collect, regardless of how easy the debt was to recover. That hurts your bottom line.
We flipped the script. We believe you should keep the lion’s share of your revenue.
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The Flat-Fee Advantage: For the early stages of delinquency, we charge a simple flat fee of $15 per account.
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The Result: If you have a client in Ocean View who owes you $2,000, and we collect it in Step 1 or 2, you pay $15 and keep $1,985.
This model is perfect for high-volume, lower-balance accounts often seen in local service sectors and retail.
2. We Protect Your Reputation in a Military-Town Economy
Norfolk isn’t just any city; it’s home to the world’s largest naval base. With a massive population of military families and defense contractors, reputation is everything. A heavy-handed, disrespectful collection tactic can backfire spectacularly, leading to complaints that spread like wildfire through the community.
We understand the local dynamic. Our approach is firm but professional.
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Brand Safety: We act as an extension of your team, preserving the dignity of your patients and customers.
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Digital Protection: We work to recover your funds without triggering a wave of negative Google reviews that could hurt your standing on Granby Street.
3. Real Results: A Look at Recent Recovery in Hampton Roads
We don’t just talk about results; we deliver them. Here is a snapshot of how we are solving problems for businesses right now in your area:
Mini-Case Study: The Logistics Breakthrough A maritime supply company near the Norfolk Industrial Park was struggling with a $18,000 outstanding balance from a local vendor who had gone silent for 5 months. The internal team was blocked—calls went to voicemail, and emails bounced. We stepped in with our Third-Party Demand (Step 2) service. By shifting the tone from “vendor inquiry” to “formal financial demand,” we cut through the noise.
The Outcome: Within 20 days, the debtor arranged a payment plan. We secured 45% of the total balance immediately, with the rest scheduled over 3 months. The relationship was strained but saved, and legal fees were avoided entirely.
Medical Recovery: Separately, a dental group near Sentara Norfolk General handed us a batch of small, aged co-pays (avg. $150 each). Using our high-volume automated system, we cleared 30% of the backlog in just two weeks using only the low-cost flat-fee model.
Our 4-Step Engine for Maximum Recovery
We use a systemic approach that escalates pressure only when necessary.
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Step 1: First-Party Outreach ($15/account) We send courteous reminders under your name. It looks like it came from your billing department. This is perfect for early-stage delinquency where a simple nudge works best.
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Step 2: Third-Party Demands ($15/account) We switch to our name. The debtor receives a formal demand letter. This psychological shift often motivates immediate payment to prevent credit score damage. Most Norfolk clients see the best ROI here.
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Step 3: Contingency Collections (40% fee) If they still refuse to pay, we launch a full investigation. We use advanced skip-tracing to find debtors who may have moved out of Downtown. We only get paid if we collect.
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Step 4: Legal Action (50% fee) For high-value debts where assets are available, our legal network reviews the case for litigation. We handle the heavy lifting; you make the final call.
Norfolk Debt Recovery FAQ
Q: Can you collect if my customer was stationed here but transferred out of state?
A: Yes. Military moves are common here. We are fully licensed and capable of collecting in all 50 states. If your debtor moved from Larchmont to San Diego, we can follow them.
Q: What is the statute of limitations for debt in Virginia?
A: It is crucial to act fast. In Virginia, the statute of limitations is generally 3 years for oral contracts and 5 years for written contracts. Once this window closes, legal recovery becomes impossible.
Q: Do you handle small business debts or just large corporate accounts?
A: We handle both. Whether you are a freelancer in Chelsea with two unpaid invoices or a large medical center with 500 past-due accounts, our system scales to fit you.
Q: How do I know if a debtor has gone bankrupt?
A: We provide free bankruptcy and litigious checks before you spend a dime on advanced collections. We believe in transparency—if the money isn’t there, we will tell you upfront.
Ready to unclog your cash flow?