Port Huron is where paperwork meets current—freighters sliding past the Blue Water River Walk, cars stacking up near the Blue Water Bridge, and trucks pushing time-sensitive loads toward I-94 and I-69. In a city like this, timing is everything. But overdue invoices don’t care about timing. They sit, they age, and they quietly force your office manager, PM, or front desk to do the one job nobody wants: collections.
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 that protects your time (and your relationships)
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Fixed-fee $15 (client keeps 100% of what’s collected)
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Contingency 20%–40% (no recovery, no fee)
We may also send email and text when appropriate. Involvement of a collection agency significantly improves recovery rate—the earlier you assign, the better recovery results are delivered, especially when we use our most amicable strategies. Let your employees do the core work they were hired for, rather than collections work they obviously do not enjoy.
The “border crossing” truth: payment clears faster when the form is clean
If you’ve ever watched the bridge traffic, you know the difference between smooth and stuck: the right documents in the right order. Debt recovery is the same. Debtors stall when your invoice feels messy, emotional, or negotiable. They pay when it feels clear, doable, and inevitable.
Your Account Reconciliation Concierges run a Velvet Hammer process:
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We tighten the file (scope, approvals, delivery proof, invoice trail).
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We confirm the right contact (decision-maker, not the “forwarder”).
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We give two clean options with dates—and then we follow through.
Red flag box: 3 Port Huron collection pitfalls that drain cash
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“Resend it” forever. The debtor keeps asking for the invoice again because nobody pins down a due date and method.
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Bridge-town politeness. You don’t want to upset someone you might see again (at McMorran Place, downtown, or in a clinic waiting room), so you wait. Waiting teaches them you’ll keep waiting.
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Chasing with the wrong employee. Your best staff—nurse manager, dispatcher, project lead—gets stuck in awkward calls. Morale drops; recovery doesn’t improve.
Why cooperating beats arguing (and gets you paid first)
Debtors rank bills. They pay the creditor who feels easiest to finish—not the one who feels loudest. If you argue, they resist. If they resist, they avoid. Avoidance is how accounts die.
Velvet Hammer is diplomatic on purpose:
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Firm enough to secure payment (deadlines, structure, documented steps).
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Respectful enough to protect your 5-star online reputation (no shaming, no reckless pressure).
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We also do a litigation scrub to protect you from collecting debt from riskier people or situations that can boomerang.
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And quality is controlled: calls are recorded and randomly reviewed to prevent rogue collectors and reduce review-bomb risk.
A note from the reconciliation team
We treat every account like it could end up across a small-town conversation. Because in Port Huron, it can. So we keep our voice calm and our process sharp. We don’t need drama—we need clarity, consistency, and follow-through. That’s how you collect without losing the relationship.
Two recent recovery results (reputation-safe, realistic)
Medical recovery — $9,240 resolved without patient backlash
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Step 1: USPS address check + bankruptcy check. Statements weren’t landing after a move, so the account aged for the wrong reason.
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Step 2: Concierge outreach focused on clarity: what insurance handled, what remained, and two options (short plan vs. payoff window).
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Step 3: Patient chose autopay on a structured plan. Balance closed smoothly—no escalation, no complaint trail.
Business recovery — $15,480 recovered while preserving the relationship
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Step 1: We rebuilt the documentation pack (authorization trail, completion confirmation, invoice timeline) and identified the actual payables decision-maker.
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Step 2: Mediation call: one firm due date and two choices—pay-in-full by deadline or a short plan tied to their receivables cycle.
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Step 3: Partial payment arrived quickly; the remainder cleared via ACH on schedule.
Two $5K–$15K mini-scenarios (fast, concrete)
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$6,310 dental/ortho balance: Patient paused treatment and stopped responding. We used respectful reminders (including email/text where appropriate), offered two plan options, and closed the balance with a two-payment resolution.
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$13,890 contractor/trades invoice: A scope tweak created “confusion” and delay. We aligned approvals, confirmed acceptance, and secured a two-step plan with firm dates.
Industries we serve in Port Huron and the Blue Water Area
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Healthcare & Medical: 100% HIPAA-compliant recovery for hospitals and specialty clinics—reputation-safe outreach designed to preserve patient relationships (including major local hospital care hubs).
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Colleges & Universities: Specializing in tuition fee recovery, housing balances, and bursar accounts. We balance firm collection tactics with the need to preserve student relationships and institutional reputation (including students connected to SC4 and nearby university partners).
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Dental: Dental practices, orthodontics, and specialty clinics—calm, clear, reputation-safe recovery.
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Restoration, pool, contractors: Restoration claims, pool projects, and contractor billing disputes handled diplomatically with documentation-first follow-through.
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K-12 Private & Charter Schools: Managing unpaid enrollment fees and textbook costs with a sensitive approach tailored for families and community reputation.
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Accountants & CPA Firms: Recovery of professional service fees. We understand net-30 reality and use professional mediation to avoid client blowback.
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Banks & Credit Unions: Expert handling of delinquent consumer loans, overdrawn accounts, and deficiency balances. We utilize aggressive garnishment laws to secure repayment on high-risk portfolios.
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Construction & Trades: Revenue recovery for HVAC, electrical, and general contractors—keep crews producing, not chasing.
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B2B Commercial / Restoration / Waste Management: Structured follow-up, clean files, and escalation only when it’s the smartest move.
Practical laws & rules that shape collections (not legal advice)
Collections are guided by federal rules like the FDCPA and the CFPB’s Regulation F (which set boundaries on communications and prohibit abusive, deceptive, and unfair practices), plus Michigan’s Regulation of Collection Practices (Act 70 of 1981). Operationally, we also use USPS address checks, skip tracing, and bankruptcy checks to reduce wasted effort and risk. Credit reporting can be used if you choose and if permitted, with accuracy and dispute handling handled properly under the FCRA.
FAQs
A debtor is across the river in Canada. Can you still help?
Yes—cross-border accounts need cleaner documentation and tighter communication. We start by confirming the right contacts, the correct address details, and the strongest payment path before we apply pressure.
We serve patients and customers who talk—how do you avoid backlash?
Velvet Hammer stays respectful and controlled. Calls are recorded and randomly reviewed, and our outreach is designed to resolve—not provoke.
What if the debtor keeps saying “it’s in AP” with no timeline?
That’s a stall until it becomes a commitment. We convert vague delays into a date, a method, and a next step if it slips.
If your receivables feel stuck in a holding pattern—like bridge traffic that never clears—let’s create the clean paperwork and the clean lane that gets you paid.