Nexa Collections

Collection Agencies in Phoenix, AZ

Directory >> USA >> Arizona >> Phoenix

List of collection agencies in Phoenix, AZ

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About Phoenix 

  • Hub: Semiconductors, aerospace/defense, healthcare, finance ops, construction, logistics.

  • Notables: Intel, onsemi, Honeywell Aerospace, Freeport-McMoRan, Republic Services, American Express (ops).

  • Big employers: Banner Health, Mayo Clinic Arizona, City of Phoenix/Maricopa County, ASU, State of Arizona.

  • Famous for: Desert vistas & saguaro, Camelback Mountain, golf resorts, Cactus League spring training, Phoenix Suns, summer heat.

✅ Get Paid Faster in Phoenix—Without Risking Your Reputation

Need a trusted, compliant, and cost-effective collection partner in Phoenix? Nexa is a full-service collection agency serving businesses and medical practices across the Valley. We pair polite-but-persistent outreach with strict compliance and reputation protection, backed by excellent Google reviews and results you can feel in your cash flow.

Why Businesses in Phoenix Choose Nexa

  • Cost-effective options: low fixed-fee steps for newer balances, contingency for older/harder accounts.

  • Reputation first: patient- and customer-friendly scripts, no harassment, and “brand-safe” tone.

  • Compliance you can trust: FDCPA/TCPA/FCRA, Arizona licensing, and privacy safeguards.

  • Technology + transparency: client portal, real-time notes, recovery dashboards, and QA-reviewed calls.

  • Bilingual capability: English/Spanish support for Phoenix’s diverse customer base.

Industries We Serve (Phoenix & Statewide)

Healthcare & Dental, Senior Living, Education (K-12 & Higher Ed), Utilities, Fitness & Memberships, Auto Services, HVAC/Contractors, Property Management/HOA, Professional Services, E-commerce/Retail, Technology & SaaS, Government/Municipal.

Recent Results in Phoenix (last 90–180 days, examples)

  • Multi-site dental group: 0–120 day self-pay balances — recovered 34% within 60 days (Step-1/2).

  • Specialty clinic: aged insurance AR clean-up — $182K recovered in 90 days with zero complaints.

  • Property management firm: move-out finals — average recovery $412/account on 120+ day debt.

  • Trade contractor: small-ticket commercial — first-pass resolution on 41% via digital pay links.

(Your results will vary; these illustrate typical outcomes we’re delivering in Phoenix.)

How We Work (Simple 4-Step Path)

  1. Upload accounts (CSV/Portal) with supporting docs.

  2. Verify & score (skip-trace, bad-address fix, consumer-friendly segmentation).

  3. Outreach that protects your brand (letters, SMS where permitted, polite calls, online pay).

  4. Report & refine (weekly progress, dispute handling, settlement options, and next-step advice).

Service Types & Pricing (Pick Any Step)

Step 1 — First-Party Courtesy Reminders (Fixed-Fee)
Five soft-touch reminders as your team’s extension. Best for 0–60 days.
Typical: $15 per account.

Step 2 — Third-Party Written Demands (Fixed-Fee)
Five branded collection letters that nudge payment while staying patient-friendly.
Typical: $15 per account.

Step 3 — Full Third-Party Collections (Contingency)
Persistent, compliant calling + digital outreach; settlement negotiation when useful.
Typical: 40% of amounts recovered.

Step 4 — Legal Collections (Contingency, Client-Approved)
Attorney escalation when warranted; nominal court filing costs initiated and reimbursed upon recovery.
Typical: 50% of amounts recovered.

For Steps 1–2, payments go directly to you and there are no additional fees. Clients may start at any step (1–3) depending on age/amount.

Reputation Protection (Non-Negotiable Standards)

  • No aggressive tactics. Trained agents, QA, call recording, and manager reviews.

  • Dispute-smart. Fast validation, respectful explanations, and quick error correction.

  • Brand-safe language. We sound like you—courteous, consistent, and culturally aware.

  • Data privacy ready. Role-based access, encryption, secure portals.

Important Arizona Rules (In Short)

  • License required: Collection agencies operating in Arizona must be properly licensed.

  • Statute of limitations: 6 years to sue on most written contracts/credit cards.

  • Wage garnishment (Prop 209): Generally capped at 10% of disposable earnings (subject to protected thresholds).

  • Interest on medical debt (Prop 209): Capped at the lesser of 3% or the 1-year Treasury yield.

  • Medical debt & credit reports: Paid medical collections and those under $500 are no longer reported by major bureaus; a broader federal move is pushing lenders away from using medical bills on credit reports. We focus on resolution, not dings.

(This is a simplified overview, not legal advice. We’ll guide you on practical implications for your accounts.)

FAQs

Q1. Do you report to credit bureaus?
We comply with FCRA and bureau rules. Because medical credit reporting has changed substantially, we prioritize fast resolution and practical payment plans rather than relying on credit reporting as leverage.

Q2. Will you hurt our brand?
No. Our model is polite, compliant, and solution-oriented. Scripts and tone are reviewed with you, and we track complaints = zero-tolerance.

Q3. Can we start with newer balances only?
Yes—use Step 1/2 fixed-fee for newer accounts to lift recovery cheaply, and Step 3 for older/harder debt.

Q4. Do you handle Spanish-speaking accounts?
Yes. Bilingual outreach improves contact rates across Phoenix.

Q5. When is legal action appropriate?
Only after you approve, when facts + economics support it (amount, age, debtor profile, assets). We’ll outline probabilities and costs before you decide.

Q6. What makes you different from low-cost call shops?
Arizona-aware compliance, quality staffing, QA, and reporting transparency—so you keep cash flow and your reputation.

Ready to Improve Cash Flow—Confidently?

Need a Collection Agency: Contact us

We’ll show you brand-safe recovery, fast.

Phoenix businesses & practices: Get a polite, compliant collection partner that protects your reputation and gets you paid. Contact Nexa today,