Built for Cost Control, Compliance, and Brand Care
From Jack London Square and Downtown/Uptown to Temescal, Rockridge, Fruitvale, Grand Lake–Lake Merritt, Eastmont, and along I-880 (Nimitz) / I-580 (MacArthur) and BART corridors, slow pay disrupts cash flow. We help Oakland teams convert receivables into reliable cash with polite, compliant outreach that safeguards your reputation.
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 (What You Gain on Day One)
- Lower cost to collect:
Begin with Fixed-Fee touches (~$15 for five contacts); pay a percentage only when deeper effort is warranted. - Less friction, more visibility:
Clean dashboards, live notes, approvals—no chasing updates. - Reputation protection baked in:
Courteous, solution-first, compliant contact that mirrors your brand voice. - Highly rated on Google:
Fast responses, audit-ready documentation, predictable timelines. - Multi-location ready:
One partner for California and nationwide reporting.
Service Types & Pricing (Start at any step 1–3)
• 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).
Tip: Newer accounts recover better—place early.
Most clients choose Step 2 (Fixed-Fee) → Step 3 (Contingency) to start inexpensive, then add lift only when needed.
Recent Results in and near Oakland
- Medical group (Lake Merritt → Grand Ave.): 132 accounts → 30% in 45 days via Step 2; +16% completed on Step 3 plans.
- Dental network (Rockridge / Piedmont Ave. corridor): 158 mixed-age → 23% cleared on Step 1; +17% settled on Step 3—zero complaints.
- Apartments (Jack London / Uptown move-outs): 84 balances → $19k recovered in ~60 days using Step 2 → Step 3.
- B2B supplier (Port of Oakland / 7th St. & Maritime): 59 invoices → 25% same-month after Step 2; select high-balance files reviewed for legal.
Industries We Serve
Small and large businesses, medical, dental (HIPAA compliant), schools/training, utilities, auto, professional services (law/CPA/MSP/SaaS), gyms & memberships, senior living, property management, parking, towing, contractors/home services, and more.
How We Work
(This is practical guidance, not legal advice. We tailor to your facts and the latest rules.)
- Free consultation and quick file review (identify fast wins).
- Secure placement (simple CSV; we map fields, set your tone & guardrails).
- We begin—respectful outreach, payment options; you approve settlements/any reporting.
- You get paid—with clear dashboards, timestamps, and outcome notes.
Reputation Protection (Why It’s Safe to Switch)
- De-escalation first, choices offered (pay-in-full, settle, plan).
- Audit-ready records for every touch and promise-to-pay.
- Your controls on cadence, settlement limits, and any credit reporting.
California Collection Law — What Oakland Clients Should Know (Short & Useful)
- Statute of limitations: Generally 4 years (written contracts) and 2 years (oral). Place early to avoid time-bar issues.
- Licensing: California’s Debt Collection Licensing Act requires licensed/registered operations—we operate accordingly.
- Call recording: California is all-party-consent; recordings require consent from everyone on the line.
- Wage withholding (after judgment): Max is the lesser of 20% of disposable earnings or 40% of the amount above 40× the applicable minimum wage—strategy and timing matter.
FAQs
- What if the debtor moved out of the Bay Area or California?
We work nationwide (50 states + Puerto Rico)—relocation doesn’t stop recovery. - Do I pay if you don’t collect?
Fixed-Fee (Steps 1–2): small per-account cost for five contacts. Contingency (Steps 3–4): No recovery, No Fee (40%/50%). - How do you protect our brand?
Polite, solution-oriented conversations, strict compliance, and your approval for settlements and any bureau reporting. - Why switch from our current provider?
Expect earlier low-cost touches, clearer dashboards, faster updates, and complaint-resistant scripting—often better engagement within 30–45 days.
About Oakland
Oakland is known for the Port of Oakland, Lake Merritt, and a vibrant mix of logistics, healthcare, food & beverage, arts/creative, and tech-adjacent businesses. Notable employers and brands include Kaiser Permanente, The Clorox Company, the Port of Oakland, and a deep network of nonprofits and small manufacturers—a market where disciplined cash-flow keeps growth on track.