Nexa Collections

Collection Agency in Portland | Compliant & Effective

Portland Debt Recovery — Built for the Rose City

Collect more while keeping your Portland reputation intact. From Pearl District and Slabtown to Hawthorne, Alberta Arts, Division, Beaverton/Hillsboro and Vancouver, WA, we run a workflow that fits how the metro actually pays.

We can collect in all 50 states and Puerto Rico.

Need a Collection Agency? Contact us

Why Portland Firms Switch to Us

  • Lower cost to recover: use fixed-fee early steps (~$15/account) on newer balances, escalate only when needed.

  • Brand-safe tone: polite, compliant contact that feels like Portland—firm, never loud.

  • Cleaner files, fewer headaches: bankruptcy screens, litigious-debtor flags, and address hygiene included.

  • Real visibility: clear status, notes, and outcomes you can share with finance and owners.

  • Switching from others pays: most clients see quicker acknowledgments and less churn when moving to our Step 2 → Step 3 flow.

How We Work

(Practical guidance, not legal advice. We tailor to your facts and the latest rules.)

  1. Place accounts via secure portal (CSV/API/manual).

  2. Pick the right entry step (we recommend by age, amount, and dispute risk).

  3. We engage with respectful letters/calls + compliant digital where allowed.

  4. You get paid: for Steps 1–2 funds go directly to you; Step 3 is no recovery, no fee.

Service Types & Pricing

  • Step 1 — First-Party Courtesy Reminders (Fixed-Fee)
    Five soft reminders for fresher balances (0–60 days), sent as if from you. Typical Fee: $15/account.

  • Step 2 — Third-Party Written Demands (Fixed-Fee)
    Five professional letters; digital touches where permitted. Typical Fee: $15/account.

  • Step 3 — Full Third-Party Collections (Contingency)
    Polite phone + digital outreach, payment plans, and settlements. Typical Fee: 40%; No recovery, No Fee.

  • Step 4 — Legal Collections (Contingency, client-approved)
    Attorney escalation only after review; nominal filing fees initiated by you and reimbursed upon recovery. Typical Fee: 50%; No recovery, No Fee.

Always included: bankruptcy screen, litigious-debtor check, latest-address check. Credit reporting available if you want and if the law permits.


Tip: Newer accounts close faster—don’t let them age.

Recent Portland-Area Snapshots (illustrative)

  • Healthcare corridor (Marquam Hill/OHSU & Inner Eastside): many self-pay balances clear in Steps 1–2 with reminder-style tone.

  • Professional services (Downtown, Lloyd District): older invoices respond to Step 3 plans that match cash-flow cycles.

  • Membership/fitness & trades (SE Division, NE Broadway, Tigard): steady wins using short, respectful follow-ups.

Industries We Serve

Medical & Dental (HIPAA Compliant) • Schools/Universities • Utilities & Municipal • Auto, Parking & Towing • Professional Services (Legal/CPA) • Senior Living • Gyms & Memberships • Home Services/Contractors • Property Management • Retail & e-commerce • Small & Large Business A/R

Oregon Collection Law (what actually matters)

  • Time to sue (many written contracts): often 6 years in Oregon. We screen for time-barred debt and provide required disclosures before discussing payment on those accounts.

  • Garnishment: requires a court judgment and is limited by exemptions; we emphasize cooperative plans first.

  • Add-ons: we pursue only contract-permitted or legally allowed interest/fees and verify before outreach.

  • Communications: cadence and content align to federal standards and Oregon’s Unlawful Debt Collection rules.

Reputation Protection

  • Calm scripting that keeps doors open with customers.

  • Dispute-pause protocol: we stop and validate before any next step.

  • Local sensitivity: workplace restrictions and language access respected across the metro.

FAQs

  • Can we jump straight to Step 3? Yes—common for older (>120–180 days) or higher-balance files.

  • Do you operate beyond Oregon? Yes—all 50 states and Puerto Rico.

  • Best pilot? Send 10–50 recent accounts; we’ll benchmark and tune quickly.

Ready to improve cash flow?

Let’s map a plan for Pearl, Slabtown, Downtown, Lloyd, Hawthorne, Sellwood, Beaverton/Hillsboro, Gresham, or Vancouver.


Contact us for a fast, no-obligation review.

About — Portland

  • Hub: Semiconductors (“Silicon Forest”), footwear/apparel HQs, healthcare, creative/tech, logistics.

  • Notables: Intel (Hillsboro), Nike (Beaverton), OHSU, Providence/Legacy, Daimler Truck NA, adidas North America, Columbia Sportswear.

  • Famous for: bridges, Powell’s City of Books, food carts, coffee culture, Forest Park, bikes, and roses.