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.
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.
Need a Collection Agency? Contact us
Service Types & Pricing
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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.
Why Portland Firms Switch to Us
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Lower cost to recover: use fixed-fee early steps (~$15/account) on newer balances, escalate only when needed.
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Brand-safe tone: polite, compliant contact that feels like Portland—firm, never loud.
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Cleaner files, fewer headaches: bankruptcy screens, litigious-debtor flags, and address hygiene included.
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Real visibility: clear status, notes, and outcomes you can share with finance and owners.
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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.)
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Place accounts via secure portal (CSV/API/manual).
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Pick the right entry step (we recommend by age, amount, and dispute risk).
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We engage with respectful letters/calls + compliant digital where allowed.
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You get paid: for Steps 1–2 funds go directly to you; Step 3 is no recovery, no fee.
Recent Portland-Area Snapshots (illustrative)
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Healthcare corridor (Marquam Hill/OHSU & Inner Eastside): many self-pay balances clear in Steps 1–2 with reminder-style tone.
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Professional services (Downtown, Lloyd District): older invoices respond to Step 3 plans that match cash-flow cycles.
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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)
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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.
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Garnishment: requires a court judgment and is limited by exemptions; we emphasize cooperative plans first.
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Add-ons: we pursue only contract-permitted or legally allowed interest/fees and verify before outreach.
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Communications: cadence and content align to federal standards and Oregon’s Unlawful Debt Collection rules.
Reputation Protection
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Calm scripting that keeps doors open with customers.
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Dispute-pause protocol: we stop and validate before any next step.
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Local sensitivity: workplace restrictions and language access respected across the metro.
FAQs
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Can we jump straight to Step 3? Yes—common for older (>120–180 days) or higher-balance files.
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Do you operate beyond Oregon? Yes—all 50 states and Puerto Rico.
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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
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Hub: Semiconductors (“Silicon Forest”), footwear/apparel HQs, healthcare, creative/tech, logistics.
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Notables: Intel (Hillsboro), Nike (Beaverton), OHSU, Providence/Legacy, Daimler Truck NA, adidas North America, Columbia Sportswear.
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Famous for: bridges, Powell’s City of Books, food carts, coffee culture, Forest Park, bikes, and roses.