Rochester businesses move fast—between the Spaulding Turnpike tolls, Skyhaven’s steady traffic, and trucks rolling in on NH-125 and US-202. But unpaid invoices don’t move fast. They sit. They quietly steal payroll hours, cash flow, and patience.
If your team is juggling collections between customer calls and real work, you’re paying twice: once in time, and again in delayed recovery.
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
Straightforward pricing that fits Rochester realities
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Fixed-fee: $15 (you keep 100% of what’s recovered)
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Contingency: 40% (no recovery, no fee)
When appropriate and permitted, we may also use email or text to speed up responses. Involvement of a collection agency significantly improves recovery rate—earlier you assign, better recovery results are delivered, using our most amicable strategies. Let your employees do the core work they were hired for, rather than making them do collections (which they obviously do not enjoy). Bilingual collections are available—Spanish-speaking collectors are on board.
Money saver tip: Many clients are able to make our fixed-fee service feel “free” by classifying it as a business expense at tax time (after checking with their CPA).
Rochester anchors we work around—not against
Our approach is built for how money and people move in this area:
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Spaulding Turnpike / NH-16: fast corridors, fast misunderstandings—especially around delivery timing and service windows.
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Downtown Rochester + the Opera House area: small-world reputations; one bad interaction echoes.
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Frisbie Memorial Hospital ecosystem: patient balances often hinge on paperwork, coding, or coordination gaps.
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Skyhaven Airport: local aviation and vendor networks run on trust and prompt resolution.
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NH Northcoast rail freight: B2B disputes often start as “receipt of goods” confusion, not refusal.
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Pease International Tradeport / Portsmouth-area access: vendors and contractors bounce between Rochester and the Seacoast daily.
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UNH Durham / nearby campuses: student-facing accounts require a light touch and clear documentation.
Red flag box: 3 local collection pitfalls we see too often
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“We’ll wait until after the next season” — in a region where schedules shift with weather and demand, “later” becomes never.
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Chasing the wrong contact — the decision-maker may be in Dover, Somersworth, or Portsmouth while the work happened in Rochester.
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Arguing instead of guiding — pushing harder can make the debtor prioritize everyone else first (and stiff you last).
Why cooperative mediation wins (and wins faster)
Arguing creates a “me vs. you” standoff. Mediation creates a path. People pay who they feel safe paying—the creditor who is firm, organized, and respectful.
That’s the Velvet Hammer:
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Firm enough to secure commitment (specific dates, amounts, and consequences).
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Soft enough to protect your 5-star reputation (no theatrics, no shame tactics).
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Clear enough that the debtor can choose you first instead of dodging you.
We also run a litigation scrub and basic risk checks so you don’t spend energy pressing the wrong account at the wrong time.
Note from the Account Reconciliation Team
We don’t “win” by humiliating people. We win by removing excuses. When a debtor finally sees that you have clean documentation, a calm plan, and no interest in drama, their brain stops looking for exits—and starts looking for a way to close the loop.
Two recent recovery results (reputation-safe)
Medical recovery (Rochester): $6,480 patient balance
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Step 1: We verified contact details and sent a polite, structured notice with a simple “reply to settle” option.
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Step 2: The patient responded about an insurance coordination issue; we guided them to confirm the remaining patient portion.
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Step 3: A two-part payment plan was set up and completed—no public friction, no front-desk stress.
Business recovery (nearby Seacoast corridor): $11,930 B2B invoice
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Step 1: We gathered the service log, approval trail, and invoice history—then opened with a professional reconciliation call (not an accusation).
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Step 2: Debtor acknowledged a “billing mismatch” and asked for one revised statement.
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Step 3: We secured a settlement schedule with clear dates; paid in full without escalation.
Two fast “$3K–$12K” recovery examples
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Rochester (Commercial services): $3,740 — debtor claimed “we never got the final invoice.” We resent the invoice + proof of delivery, offered two pay options, and collected within days.
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Nearby city (Trades): $10,860 — dispute over change-order approval. We requested the written OK, offered a mediated split if needed, and recovered via a structured plan.
Industries we serve (tailored for this market)
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Healthcare & Medical: 100% HIPAA-compliant recovery for hospitals and specialty clinics, with a patient-respect tone.
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Colleges & Universities: Tuition, housing balances, and bursar accounts—firm, but built to preserve long-term relationships.
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Dental: Dental practices and orthodontics; we keep it calm and brand-safe for community-facing offices.
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Restoration / Pool / Contractors: Storm-driven work and seasonal peaks can create billing confusion; we reconcile scope, approvals, and timelines.
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K-12 Private & Charter Schools: Unpaid enrollment fees and textbook costs handled with sensitivity.
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Accountants & CPA Firms: Recovery of professional service fees in net-30 cycles without bruising client rapport.
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Banks & Credit Unions: Delinquent consumer loans and deficiency balances handled through lawful, documented processes (no shortcuts).
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Construction & Trades: HVAC, electrical, and general contractors—progress billing, retainage, and change-order disputes.
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B2B Commercial / Restoration / Waste Management: Route-based services and recurring invoices that need clean documentation and consistent follow-up.
Practical rules that shape collections (not legal advice)
Collections are governed by a mix of federal rules (consumer protections, communication limits, credit reporting standards, consent for texts/calls) and state rules (timelines to sue, court processes, exemptions). We also do USPS-based address checks, skip tracing, and a bankruptcy check. Credit reporting can be used if you choose and if permitted.
And to protect you: calls are recorded and randomly reviewed to prevent rogue collector behavior and reduce review-bomb risk.
FAQs
Will this blow up my reviews in a small city?
Not with the Velvet Hammer approach. We keep it professional, private, and document-led—no drama, no provocation.
Do you work accounts that bounce between Rochester and the Seacoast?
Yes. Many debtors operate across the NH-16 corridor; we track the right responsible party and keep messaging consistent.
What if the debtor is “not refusing,” just stalling?
That’s our sweet spot. Stalling usually means confusion, cash timing, or avoidance. We remove fog, set terms, and get you chosen first.