Saginaw runs on tight timing: shift changes, delivery windows, clinic schedules, and the constant pull of I-75 traffic skirting the city while I-675 loops you past downtown. But past-due invoices don’t respect timing. They quietly pile up, hijack your cash flow, and turn your office into a follow-up factory. Then the real cost hits: your best people spend their day doing collections—work they weren’t hired for and don’t enjoy.
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 keeps you in control
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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 the most amicable strategies. Want your team focused on patient care, job delivery, and billing—not awkward follow-up?
The “I-675 Loop” problem: accounts that keep circling, never exiting
In Saginaw, you can loop past the Dow Event Center, cross the river, and find yourself right back where you started. Unpaid accounts do the same thing: “next week,” “waiting on AP,” “we’re reviewing,” “resend the invoice.” It feels like progress, but it’s just motion without an exit.
Your Account Reconciliation Concierges build the exit ramp:
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We tighten the file (scope, approvals, delivery proof, dates, and the exact ask).
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We confirm the right contact (decision-maker, not the “forwarder”).
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We present two clean options with deadlines—then we follow through calmly.
Red flag box: 3 Saginaw mistakes that quietly tank recovery
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Letting the invoice become a debate. Debtors don’t pay when they feel cornered; they stall, argue, or disappear.
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Assuming “AP backlog” is normal. In a PO-heavy region, backlog becomes a lifestyle unless someone pins down dates.
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Chasing with the wrong employee. Project managers, hygienists, techs, and front-desk staff get dragged into tense calls—morale drops and results don’t improve.
Why you recover more by working with the debtor (not arguing)
Debtors prioritize who feels easiest to complete. If paying you feels like a fight, you slip behind rent, utilities, and the creditor who sounds calmer. Cooperation—done with boundaries—makes you “first-to-pay,” not “last-on-the-list.”
That’s the Velvet Hammer approach:
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Firm enough to secure payment (clear deadlines, structured plans, documented steps).
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Soft enough to protect your 5-star reputation (respectful tone, no reckless pressure).
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We also do a litigation scrub to reduce the chance you’re pushed into riskier situations that can boomerang.
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And to prevent rogue behavior, calls are recorded and randomly reviewed to reduce complaint and review-bomb risk.
A note from the reconciliation team
We don’t try to sound intimidating. We try to sound inevitable. In a community where people cross paths—at the hospital, at school events, downtown, or on the same supplier routes—your reputation is an asset. We protect it by staying calm, specific, and consistent. When a debtor truly can’t pay today, we build a plan. When they simply won’t pay, we tighten the lane lines until payment becomes the simplest choice.
Two recent recovery results (reputation-safe, realistic)
Medical recovery — $9,480 resolved without patient backlash
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Step 1: USPS address check + bankruptcy check. Mail was going to an old address after a move, and the account was drifting for the wrong reason.
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Step 2: Concierge outreach focused on clarity: what insurance handled, what remained, and two payment paths (short plan vs. settlement window).
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Step 3: Patient chose autopay on a structured plan. Balance closed smoothly with zero escalation.
Business recovery — $14,730 collected while preserving the relationship
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Step 1: We rebuilt the documentation pack (authorization trail, completion confirmation, invoice timeline) and identified the real payables decision-maker.
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Step 2: Mediation call with 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 fast $5K–$15K recovery mini-scenarios
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$6,120 dental/ortho balance: Patient fell behind after a treatment schedule change. 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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$12,940 contractor/trades invoice: A scope tweak created “confusion.” We aligned approvals, confirmed acceptance, and secured a two-step plan with firm dates.
Industries we serve in Saginaw and the Great Lakes Bay region
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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 hospital networks in the city).
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Colleges & Universities: Tuition fee recovery, housing balances, and bursar accounts—firm collection that protects student relationships (including schools in the broader University Center area).
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Dental: Dental practices, orthodontics, specialty offices—clear options, calm persistence, no drama.
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Restoration, pool, contractors: Water/fire restoration, pool projects, contractor billing disputes—documented follow-through that doesn’t torch relationships.
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K-12 Private & Charter Schools: Unpaid enrollment fees and textbook costs—sensitive outreach built for families and community reputation.
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Accountants & CPA Firms: Recovery of professional service fees with a net-30 mindset and professional mediation.
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Banks & Credit Unions: 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: HVAC, electrical, and general contractors—keep crews producing, not chasing checks.
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B2B Commercial / Restoration / Waste Management: Consistent follow-up, clean documentation, and escalation only when it’s the smartest move.
FAQs
We invoice across I-75 / I-675 routes and keep hearing “AP is backed up.” Can you handle that?
Yes. We convert backlog into commitments: a date, a payment method, and a next step if it slips.
Do you start gently, or is it instantly aggressive?
Velvet Hammer starts calm and structured, then escalates only as needed. The tone stays respectful; the timeline stays firm.
Can you work with medical and school balances without creating complaints?
That’s a core design. Calls are recorded and randomly reviewed, and outreach is built to be reputation-safe.
Practical laws that shape outreach (not legal advice)
Collections are guided by federal rules like the FDCPA and CFPB Regulation F (which address communications and prohibit harassment, deception, and unfair practices), plus Michigan’s Regulation of Collection Practices. We also do USPS address checks, skip tracing, and bankruptcy checks to avoid wasted effort and reduce risk. Credit reporting can be used if you choose and if permitted, with accuracy and dispute handling handled properly under the FCRA.
If your receivables feel stuck in a loop, let’s build the exit ramp—without damaging your reputation.