Nexa Collections

Collection Agencies in Minnesota and Laws

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List of collection agencies in Minnesota.
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A Better Recovery Solution for Minnesota Businesses

We help businesses all across the Land of 10,000 Lakes—from B2B suppliers in St. Paul to medical practices in Rochester—recover what they’re owed. We are a highly-rated, compliance-focused partner dedicated to protecting your brand reputation while delivering superior results.

Why Switch? The Professional Difference

If you’re frustrated with your current agency’s high fees, poor communication, or aggressive tactics that don’t fit the “Minnesota Nice” culture, we offer a better alternative.

We provide a cost-effective and scalable process that blends low-cost fixed-fee services with a full-service contingency model. We are a modern, professional partner, not an outdated, aggressive agency.

  • Protect Your Brand: Our respectful, professional approach gets results without damaging your customer relationships.
  • National Reach: We can collect in all 50 states and Puerto Rico, giving you a single, compliant partner for your entire portfolio.
  • Maximize Your Bottom Line: We turn aged receivables into positive cash flow.
  • Free Account Services: We provide free bankruptcy screening, free litigious debtor checks (to minimize lawsuit risk), and free latest address verification on all accounts.

About Minnesota

From the bustling Twin Cities to the healthcare hub of Rochester, Minnesota is a center for innovation and industry. It’s home to some of the world’s most respected companies, including UnitedHealth Group, Target, 3M, and the Mayo Clinic. This robust economy, known for its healthcare, med-tech, and B2B sectors, requires a professional partner who understands the high standards of business in the North Star State.

How We Work: A Practical, Proven Process

We offer flexible steps to match your needs. Most of our Minnesota clients find success starting with Step 2, followed by Step 3 for tougher accounts. (This is practical guidance, not legal advice. We tailor our approach to your specific situation and the latest rules.)

  1. Step 1 — First-Party Courtesy Reminders (Fixed-Fee) We act as your extension with five soft reminders for fresher balances (0–60 days), sent as if these reminders are coming from you.
    • Typical Fee: $15 per account.
  2. Step 2 — Third-Party Written Demands (Fixed-Fee) Five professional letters sent on our letterhead that prompt action while preserving goodwill. We may also mix in digital contacts where permitted by law.
    • Typical Fee: $15 per account.
  3. Step 3 — Full-Third Party Collections (Contingency) Our team uses persistent, polite phone and digital outreach. We negotiate payment plans and settlements to get you paid.
    • Typical Fee: 40% of amounts recovered. No Recovery, No Fee.
  4. Step 4 — Legal Collections (Contingency, Client-Approved) For the most difficult accounts, we escalate to an attorney after an in-depth review, and only with your explicit approval. Nominal filing fees are initiated and reimbursed upon recovery.
    • Typical Fee: 50% of amounts recovered. No Recovery, No Fee.

For our low-cost Steps 1-2, payments go directly to you with no extra fees. (You may also be able to claim this fixed-fee cost as a business expense, making this service even more affordable.)

Remember: Newer accounts have better recovery rates. Don’t wait until a balance is too old.

Industries We Serve

We work with small and large businesses across Minnesota, including:

  • Medical, Dental & Healthcare (HIPAA Compliant)
  • B2B & Professional Services
  • Utilities and Auto
  • Schools and Private Education
  • Gyms & Fitness Centers
  • Senior Living & Assisted Living
  • Parking and Towing
  • …and many more.

Recent Results (Minnesota)

  • $19,500 Recovered for a logistics supplier in St. Paul from a client who had ignored invoices for months.
  • $7,800 Collected for a dental group in Rochester using our Step 2 + Step 3 combination.
  • $8,000 Secured for a property management company in Bloomington, near the Mall of America, for past-due rent and fees.

Navigating Minnesota’s Key Collection Laws

As your partner, we ensure your recovery efforts are 100% compliant, protecting you from legal risk. Minnesota has specific, robust laws that we build our processes around.

  • State Licensing: We are fully licensed by the Minnesota Department of Commerce (as required by Minn. Stat. § 332.37). Using an unlicensed agency exposes your business to significant liability.
  • Statute of Limitations: For most consumer debts (like credit cards and medical bills), Minnesota has a six-year statute of limitations. We help you focus resources on recoverable accounts and will not expose you to legal risk by pursuing time-barred debt in court.
  • Reputation Protection: State law prohibits “shame tactics” like publishing debtor lists. Our professional, respectful approach aligns perfectly with this law, safeguarding your brand reputation at all times.
  • Client Control Over Legal Action: Minnesota law requires us to obtain your specific written authorization before engaging an attorney on your behalf. This gives you complete control over our Step 4 legal process.

A Special Note for Healthcare Providers: We are fully compliant with the Minnesota Debt Fairness Act. We understand its specific, strict rules regarding medical accounts, including the prohibition on credit reporting for medical debt and rules preventing the denial of necessary care. You can trust us to handle your sensitive accounts with the required expertise.

Frequently Asked Questions

How do we start? It’s simple. Contact us, and we’ll review your accounts and recommend the best starting step. You can securely place accounts through our online portal.

What makes you different from other agencies? Our focus on reputation protection, compliance, and cost-effectiveness. We blend low-cost fixed-fee options with a professional, full-service contingency service. We are not an old-school, aggressive agency; we are a modern, tech-enabled partner who is an expert in Minnesota’s specific laws.

Do you handle medical accounts? Yes. Our team is fully trained and HIPAA compliant, and we are up-to-date on the latest Minnesota laws, including the Debt Fairness Act.

Why not just use a flat-fee service? Our fixed-fee (Step 2) is a powerful, low-cost first move. But for stubborn accounts, you need the persistent, professional follow-up of our contingency team (Step 3). We offer both, so you get the right service for the right account.

Ready to Improve Your Cash Flow?

Stop wasting time on unpaid invoices. Let us help you recover what you’re owed, professionally and effectively. Contact us for a no-obligation quote.