Nexa Collections

Collection Agency in San Francisco Bay Area | Compliant & Effective

San Francisco, CA — A Local Collection Agency That Protects Your Brand

You need cash in, not chaos. We help SF businesses recover what’s owed while keeping relationships intact across SoMa, FiDi, Mission, Marina, Richmond/Sunset, Potrero, Bayview, and the Market St–Embarcadero corridor.
Nationwide coverage: We can collect in all 50 states and Puerto Rico.

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.  Serving over a hundred of clients in California. 

Need a Collection Agency? Contact us

Service Types & Pricing

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

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

  • Step 3 — Full Third-Party (Contingency): Polite phone + digital, payment plans/settlements. Typical: 40% of recovery. No recovery, no fee.

  • Step 4 — Legal (Contingency, client-approved): Attorney only after review; filing fees reimbursed upon recovery. Typical: 50% of recovery.

Notes: Steps 1–2 pay you directly; no extra fees. Start at any step (1–3). Free bankruptcy screening, litigious-debtor check, latest-address check, and credit reporting (if you want and rules allow). Newer accounts recover better—don’t wait.

What You Get (Real Benefits, Fast)

  • Lower total cost to collect: Start with fixed-fee touches (~$15 for five contacts) before paying any percentage.

  • Faster recoveries, fewer write-offs: Proven cadence reduces aging and keeps customers open to solutions.

  • Reputation protection: Polite, compliant, human outreach that matches your brand voice.

  • Less admin for your team: We handle reminders, tracking, and documentation; you stay in control of approvals.

  • Clarity you can act on: Real-time notes, promises-to-pay, and outcome reporting.

Recent Results Near You 

  • Specialty medical (Van Ness / Pacific Heights): 140 accounts → 27% paid in 45 days on Step 2; +18% closed with Step 3 plans.

  • Dental group (Noe Valley ↔ Inner Sunset): 190 mixed-age → 20% cleared via Step 1; +23% settled on Step 3.

  • Boutique gym (SoMa): 85 finals → $18k recovered in ~60 days, zero complaints.

  • B2B SaaS & services (FiDi): 52 balances → 15% same-month after Step 2; a few large files reviewed for legal.

How We Work (Practical, Not Legal Advice)

  1. Choose the right starting point (Steps 1–3) by age/amount.

  2. Upload a simple CSV; we map and launch.

  3. Set tone and guardrails (gentle → firm, settlement limits, any reporting).

  4. We execute and document every touch and promise-to-pay.

  5. You approve settlements, credit reporting, or legal escalation.

Compliance Corner (CA Essentials — Short)

  • Sue-by timelines: About 4 years (written) and 2 years (oral); track charge/acknowledgment dates.

  • Wage garnishment (post-judgment): Typically capped by CA formulas (often up to 25% of disposable earnings, subject to exemptions).

  • Validation & accuracy: Clear validation notice with 30-day dispute window; keep balances/ownership precise.

  • Medical reporting: Standards are tighter—confirm current options before reporting.

Industries We Serve (SF Focus)

Medical & dental, schools/training, utilities, auto, professional services (law/CPA/MSP/SaaS), gyms & memberships, home services/contractors, startups and tech.

FAQs (Quick Hits)

  • Can we start at Step 3?

    • Yes—common for 90+ day or high-balance files; no recovery, no fee.

  • Will this upset customers?

    • We use respectful, solution-oriented contact to protect reviews.

  • Do you report to bureaus?

    • Only if you want and where allowed—especially important for medical.

  • Multi-location across states?

    • Yes—all 50 states + Puerto Rico with location-level roll-ups.

  • What do you need to start?

    • A simple CSV; we’ll map fields and recommend Step 1–3.

About — San Francisco

  • Hub: Tech/software, venture capital, biotech, tourism.

  • Notables: Salesforce, Uber, DoorDash, OpenAI, Airbnb (region: Genentech).

  • Big employers: City/County of SF, UCSF, Salesforce, Sutter/CPMC, Kaiser, Wells Fargo.

  • Famous for: Golden Gate Bridge, cable cars, Alcatraz, Chinatown, steep hills, sourdough.

Contact Nexa Today