Nexa Collections

Collection Agency in Arkansas | Compliant & Effective


Recovering Revenue in the Natural State: Your Arkansas Debt Collection Guide

In Arkansas’s diverse economy—from the bustling logistics corridor of Northwest Arkansas (NWA) to the agricultural heartland of the Delta and the medical hubs of Little Rock—maintaining cash flow is essential.

However, Arkansas presents unique challenges for creditors. With average household credit card debt hovering around $7,800 and a particularly tight legal window for collections, “waiting to see if they pay” is a strategy that leads to write-offs.

Whether you are a rural health clinic in Jonesboro managing high self-pay balances or a transportation supplier in Springdale fighting unpaid invoices, Nexa provides the specialized local expertise needed to navigate Arkansas’s distinct legal landscape.

Apart from Arkansas, Nexa provides 100% reputation-safe, 50-state collections with free credit reporting, free litigation and bankruptcy scrubs, and zero hidden or onboarding fees on both fixed-fee and contingency models. Secure – SOC 2 Type II & HIPAA compliant.

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The Arkansas Legal Landscape: The 3-Year Sprint

Arkansas is a state where time is NOT on the creditor’s side. The window to take legal action on most common debts is significantly shorter than in many other states.

Debt Type Statute of Limitations Key Regulation
Open Accounts (Medical/Credit Card) 3 Years Ark. Code Ann. § 16-56-105
Oral Contracts 3 Years Ark. Code Ann. § 16-56-105
Written Contracts 5 Years Ark. Code Ann. § 16-56-111
Judgments 10 Years Can be revived

Strategic Compliance Note: Arkansas has unique constitutional protections regarding wage garnishment. Under Ark. Const. Art. 9, § 1, the wages of any laborer or mechanic are generally exempt from seizure. This makes standard garnishment threats ineffective against a large segment of the workforce. Nexa utilizes alternative mediation strategies and asset investigations to secure payment when wage garnishment is off the table.

Industry-Specific Solutions for Arkansas

1. Medical & Dental Practices: Beating the 3-Year Clock

From UAMS in Little Rock to smaller clinics in the Ozarks, Arkansas healthcare providers face tight margins.

  • The Challenge: The strict 3-year statute of limitations on medical debt means your window to recover revenue is closing fast. Furthermore, in tight-knit communities, aggressive tactics damage your reputation.

  • The Nexa Solution: We act as a HIPAA-compliant extension of your business office. We categorize accounts by age and prioritize those nearing the 3-year mark, using reputation-safe outreach to secure payment plans before the debt becomes legally uncollectible.

2. Logistics, Agriculture & B2B: The NWA Corridor & Beyond

Arkansas is a hub for transportation and agriculture. High-value invoices here often involve complex supply chains.

  • The Challenge: A vendor or supplier in another state “ghosting” on a large invoice, or local disputes where the debtor knows their wages are constitutionally protected as a “laborer.”

  • The Nexa Solution: We offer Free Litigation & Bankruptcy Scrubs before you spend a dime. We determine upfront if a debtor has attachable assets beyond protected wages, ensuring you only pursue recoverable debts. Our 50-state reach means we can follow debtors who leave the state.

Why Arkansas Businesses Choose Nexa

  • Zero Onboarding Fees: We don’t charge you to become a client. We only get paid when we recover your funds (on contingency models).

  • Understanding Local Exemptions: We don’t waste time threatening wage garnishment against protected Arkansas laborers. We use smarter, legal avenues to secure payment.

  • Free Data Scrubbing: We identify bankruptcies and litigious debtors before we start, saving you time and legal exposure.

Arkansas Success Stories: Real Results

Case Study 1: The “Jonesboro Rural Clinic” (Medical)

  • The Problem: A family practice had $85,000 in self-pay balances, with nearly 50% of the debt approaching the critical 3-year Arkansas expiry date.

  • The Strategy: Nexa launched an urgent, empathetic campaign focusing on the oldest accounts first, offering flexible payment options to patients in the local community.

  • The Result: $52,000 recovered in the first 90 days, beating the legal deadline and maintaining community trust.

Case Study 2: The “Springdale Transportation Supplier” (B2B)

  • The Problem: A $38,000 unpaid invoice from an out-of-state logistics broker who stopped returning calls.

  • The Strategy: Nexa used its 50-state skip-tracing network to locate the brokerage’s principals in Texas and utilized a free litigation scrub to confirm they had assets to attach. Professional mediation secured full payment without filing a lawsuit.

  • The Result: 100% Recovery within 45 days.

Is Your Working Capital Trapped in the Natural State?

Don’t let the strict 3-year window close on your revenue. Restart your Arkansas Cash Flow Today.

Get a Free Arkansas Recovery Analysis & Data Scrub

Frequently Asked Questions

What is the statute of limitations on medical debt in Arkansas?

Medical debt is considered an “open account” in Arkansas and has a strict 3-year statute of limitations (Ark. Code Ann. § 16-56-105). You must act quickly.

Can you garnish wages in Arkansas?

It is difficult. Arkansas Constitution Article 9 protects the wages of “laborers and mechanics” from garnishment. For non-laborers, federal limits apply. Nexa understands these nuances and uses alternative recovery methods when necessary.

Do you charge upfront fees for Arkansas businesses?

No. Nexa offers zero onboarding fees and provides free initial bankruptcy and litigation scrubs to assess the collectability of your accounts.

Industries We Serve in Arkansas

Nexa provides specialized recovery solutions tailored for the 3-year Arkansas legal window:

  • Healthcare: Optimized for the strict 2-year Arkansas medical statute.

  • Logistics & Transport: Securing invoices for the Northwest Arkansas shipping corridor.

  • Agriculture: Debt recovery for Delta-region equipment suppliers and vendors.

  • Construction: Managing mechanics liens and contractor revenue.

  • Professional Services: Fee recovery for legal, accounting, and consulting firms.

  • Small Business: Protecting cash flow for local retail and service providers.

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