Nexa Collections

Speed Up Medical Insurance Claims with a Collection Agency

admin — Wed, 26 Jun 2019 06:47:28 +0000

Most medical and dental professionals struggle to recover money from insurance companies in a timely manner. While some insurers consistently process claims within 30 days, others can take up to 120 days to pay. This unpredictability in the reimbursement process leads to cash flow challenges and other operational issues.

Medical insurance claims submitted by doctors, dentists, and hospitals with proper documentation must be paid within established time limits, or the insurers may face penalties and other sanctions. These requirements, known as “prompt-pay statutes,” are primarily enforced within the healthcare industry.

Helping Medical Professionals to Recover Unpaid Insurance Claims !

Serving Nationwide: Contact Us

When a third-party collection agency contacts an insurance company, the insurer is reminded of its obligation to pay claims promptly. Failing to resolve medical insurance claims on time can result in a violation of state law.

Once an insurance company receives a collection notice from a professional collection agency, they are under pressure to act fast.

Collection Notice ( Sample)

We have made repeated attempts to resolve this matter with no response from your office. This leaves us no alternative but to pursue this debt through more intense collection methods.

We hope that further efforts will be avoided on this account by sending payment in full to the address in the bottom portion of the letter.

As of the date of this letter, the balance due and owing is stated above. Because of interest that may vary from day to day, the amount due on the day you pay may be greater. Hence, if you pay the amount shown above, an adjustment may be necessary after we receive your check, in which event we will inform you before depositing the check for collection. For further information, please write the undersigned.

THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

These laws and payout periods vary from state to state in terms of operation, complexity, and severity. However, they all share the common goal of compelling insurers to promptly and fully pay all legitimate claims. Debt issues in the BSFI market are anticipated to grow significantly over the next 10 years.

Non-timely reimbursements is a leading cause of stress and burnout among medical professionals, then why not outsource unpaid medical insurance claims to a professional agency and get paid faster.

Examples of “prompt-pay statutes” law in some states.

Texas Insurance prompt payment statute:
The Texas Prompt Pay Act (“TPPA”) is codified in the Texas Insurance Code as Subchapter J of Chapter 843 (governing health maintenance organizations (HMOs)) and Subchapters C and C-1 of Chapter 1301 (governing preferred provider organizations (PPOs)).

California prompt payment statute:
California Health & Safety Code 1371. A health care service plan, including a specialized health care service plan, shall reimburse claims or a portion of a claim, whether in-state or out-of-state, as soon as practicable but no later than 30 working days after receipt of the claim by the health care service plan, or if the health care service plan is a health maintenance organization, 45 working days after receipt of the claim by the health care service plan.

Florida Insurance prompt payment statute:
Florida statute 627.6131, otherwise known as the “Prompt Pay Statute,” requires insurance companies to make decisions and pay out on claims quickly. The timeframe created by this legislation depends on how the claim was received, either electronically or physically.

New York State prompt payment law health insurance:
Law § 3224-a (McKinney 2000) requires payment of health claims by health insurance companies within 45 days of receipt of such claim; N.Y. Ins. Law § 5106 (McKinney 2000) requires motor vehicle no-fault providers to pay health claims arising from vehicular accidents to be paid within 30 days of receipt of such claim.

North Carolina: 30 days for payment or denial.

North Dakota, Georgia: 15 days

Ohio, Oregon, Delaware, Idaho, Kansas, Kentucky, Maine, Maryland, Massachusetts, Minnesota, Montana, Nevada, Wisconsin: 30 days

Oklahoma, Colorado, Pennsylvania, Missouri, Nebraska, Vermont, Virginia, Wyoming: 45 days

Alabama, Arkansas: 30-45 days

Arizona: 30 days after the claim is approved

Louisiana: 25 to 45 days

Mississippi: 25-35 days

( days refer to “working” days)

References:
www.tlrfoundation.com/sites/default/files/pdf/TLR_Prompt_Pay_PDF_V01.pdf
danahyandmurray.com/florida-prompt-payment-statute/
www.dfs.ny.gov/insurance/ogco2002/rg207242.htm

FJM Collections Inc – Debt Collection

User One — Thu, 25 Jan 2018 07:31:34 +0000

Directory >> USA >> South Dakota >> Sioux Falls >> FJM Collections Inc

Established in 1988 and with over 30 years experience in accounts receivable management. Serving Apartments, Attorneys, Banks, Chiropractors, County governments, Credit unions, Doctors, Psychologists/counselors, Satellite/programming service, Utilities etc.

Address:
300 North Dakota Ave, Suite 108
Sioux Falls, SD 57104

Phone:
(605) 332-5121
(800) 568-5002

Fax:
(605) 335-0419

Email:
verna@fjmcollections.com

Website:
www.fjmcollections.com

Source of information / References:
www.fjmcollections.com/contact.html
www.fjmcollections.com/

Make changes to this page? or Add a new collection agency listing?
If you own this collection agency and there is a need to update information presented on this page, kindly email us at “directory@NexaCollect.com”

Information presented about this collection agency may not be 100% accurate or may have changed since we created this page. Kindly visit the agency’s website for the most up to date information.

MidWest Credits Inc – Debt Collection

User One — Wed, 29 Nov 2017 07:42:41 +0000

Directory >> USA >> South Dakota >> Aberdeen >> MidWest Credits Inc

Midwest Credits is a professional collection agency providing recovery services for a variety of clients across South Dakota and North Dakota. Midwest Credits services accounts for a variety of creditors including Medical, Dental, Credit Card, Commercial/Retail, Auto Loans, Telecom, Utilities, etc.

Contact Address:
PO Box 1088
Aberdeen, SD 57402

Headquarters Address:
708 S. Roosevelt, Suite 1
Aberdeen, SD 57401

Phone:
888-225-4500
605-225-3262

Fax:
605-225-3264

Email:
mwcredits@nvc.net

Website:
www.midwestcredits.com

Source of information / References:
www.midwestcredits.com/contact.php
www.midwestcredits.com/services.php
www.midwestcredits.com/

Information presented about this collection agency may not be 100% accurate or may have changed since we created this page. Kindly visit the agency’s website for the most up to date information.

SWS Credit Services Inc – Debt Collection

User One — Tue, 21 Nov 2017 05:50:22 +0000

Directory >> USA >> North Dakota >> Grafton >> SWS Credit Services Inc

SWS is a full service agency serving North Dakota and Minnesota. Services include Check Recovery, Account Recovery, Public Records Bulletin etc.

Address:

Devils Lake Office:
(800)587-9643
(701)662-2595 Fax
411 4th St. NE #2 ~ PO Box 1096
Devils Lake, ND 58301

Grafton Office:
(866)265-7962
(701)352-0814 Fax
910 Hill Ave. ~ PO Box 270
Grafton, ND 58237

Phone:
(866)265-7962

Email:
contact@swscreditservices.com

Website:
swscreditservices.com

Source of information / References:
swscreditservices.com/index.php?p=1_2_Contact
swscreditservices.com

Information presented about this collection agency may not be 100% accurate or may have changed since we created this page. Kindly visit the agency’s website for the most up to date information.

Credit Collections Bureau (CCB) – Debt Collection

User One — Tue, 31 Oct 2017 04:28:41 +0000

Directory >> USA >> North Dakota >> Bismarck >> Credit Collections Bureau (CCB)

Established in 1987, Credit Collections Bureau (CCB) has been serving account receivable needs across the nation. CCB will do a thorough job including skip tracing, asset locating, and take legal action if necessary. No Collection – No Charge.

Address:

North Dakota
(Bismarck)
3550 E Rosser Av
PO Box 778
Bismarck, ND 58502-0778
Collection: 877-250-7147
Sales: 701.250.1390
Toll Free: 888.461.1390
Fax: 701.250.1393
Fax Toll Free: 888.353.1393

(Fargo)
PO Box 9966
Fargo, ND 58106-9966
Collection: 855-894-7581
Sales: 701.293.6686
Toll Free: 877.461.1390
Fax Toll Free: 877.353.1393

South Dakota
(Rapid City)
410 Sheridan Lake Road
PO Box 9490
Rapid City, SD 57709
Collection: 800-662-9511
Sales: 605.394.9490
Toll Free: 800.424.9490
Fax: 605.341.5771
Fax Toll Free: 800.223.8465

(Sioux Falls)
1212 W Elkhorn St
PO Box 90508
Sioux Falls, SD 57109
Collection: 866-607-5322
Sales: 605.362.3744
Toll Free: 877.424.9490
Fax Toll Free: 877.644.8465

Minnesota
(Shakopee)
1160 Verling Dr Suite 307
Shakopee, MN 55379
Collection: 877-314-2634
Sales: 763.746.0501
Toll Free: 855.881.7241
Fax Toll Free: 855.245.9937

Phone:
888-461-1390

Email/Contact:
Contact Credit Collections Bureau (CCB) using the form located on this page: www.ccbinet.com/contact-us/

Website:
www.ccbinet.com

Source of information / References:
www.bbb.org/minnesota/business-reviews/collection-agencies/credit-collections-bureau-in-bismarck-nd-21004551
www.ccbinet.com/contact-us/office-near-you/
www.ccbinet.com/contact-us/
www.ccbinet.com/about-us/why-ccb/
www.ccbinet.com/about-us/our-collections/

Information presented about this collection agency may not be 100% accurate or may have changed since we created this page. Kindly visit the agency’s website for the most up to date information.

Collection Center, Inc. (CCI) – Debt Collection

User One — Thu, 05 Oct 2017 08:41:50 +0000

Directory >> USA >> North Dakota >> Bismarck >> Collection Center, Inc. (CCI)

Collection Center Inc. provides accounts receivable management and bad debt collection services for clients in North Dakota, South Dakota, Minnesota, and Montana. The company offers pre-charge off, early out, and final billing services; third party accounts receivable management/bad debt collections; etc

CCI is a STARTEK Company, serving clients in healthcare, telecommunications, and a wide variety of other consumer-oriented industries locally, nationally and globally.

Address:
PO Box 1057
Bismarck, ND 58502

Phone:
800-472-2246

Email/Contact:
Contact Collection Center, Inc. (CCI) using the form located on this page: www.collectioncenterinc.com/contact-us

Website:
www.collectioncenterinc.com

Source of information / References:
www.collectioncenterinc.com/
www.collectioncenterinc.com/contact-us
www.collectioncenterinc.com/services
www.bloomberg.com/research/stocks/private/snapshot.asp?privcapId=285645660

Information presented about this collection agency may not be 100% accurate or may have changed since we created this page. Kindly visit the agency’s website for the most up to date information.

Collection Agency in North Dakota | Compliant & Effective

admin — Sun, 10 Sep 2017 16:22:53 +0000

In North Dakota—from the energy corridors of Williston and Dickinson to the commercial hubs of Fargo, Bismarck, and Grand Forks—business is built on a “Legendary” handshake. But in 2026, the high-speed growth of the Bakken and the agricultural heartland requires a recovery partner who understands that a handshake isn’t a strategy. With North Dakota’s 6-year statute of limitations on written and oral contracts, you have an incredible opportunity to recover revenue that would be legally “dead” in other states. However, you must navigate the state’s unique wage garnishment floors and the 90-day mechanic’s lien cliff with surgical precision. You don’t just need a collector; you need a North Dakota strategist who can turn aging ledgers into liquid cash.

Nexa provides 100% reputation-safe, equipped with all 50-state collections license, offering free credit reporting, free litigation/bankruptcy scrubs, and zero onboarding fees. Secure – SOC 2 Type II & HIPAA compliant.

Need a Collection Agency? Contact us

The North Dakota Legal Landscape (2026 Summary)

North Dakota is a “Creditor-Friendly” state for those who act within the generous 6-year window but requires careful math when it comes to the “Dependent Shield.”

Debt Category	Statute of Limitations	ND Century Code (NDCC)
Written/Oral Contracts	6 Years	NDCC § 28-01-16
Medical Debt	6 Years	NDCC § 28-01-16
Wage Garnishment	25% (Less Dependents)	NDCC § 32-09.1-03
Mechanic’s Liens	90-Day Window	NDCC § 35-27-13
Judgments	10 Years (Renewable)	NDCC § 28-01-15

Critical North Dakota Rules for 2026:

The 6-Year Advantage: Unlike neighboring states with 3 or 4-year limits, North Dakota gives you 72 months to file a lawsuit on most debts. Nexa audits your older ledgers to find “found money” that other agencies ignore.
The $20 Dependent Deduction: North Dakota law is unique; the amount subject to garnishment is reduced by $20 per week for each dependent residing with the debtor. Nexa’s skip-tracing team identifies household size early to ensure your legal spend results in actual checks.
The 90-Day Lien Cliff: For construction and oilfield services, you must file a Notice of Intent to Lien 10 days prior and record the lien within 90 days of the last work for full protection. Nexa moves at “Bakken Speed” to trigger payments before this window closes.
Judgment Longevity: A North Dakota judgment is a powerful lien on real estate for 10 years and can be renewed once for a total of 20 years. We track your debtors as their assets grow in the state’s energy and tech sectors.

Cost-Effectiveness: The Nexa Advantage

Fixed-Fee Recovery ($15/account): Ideal for early-stage receivables. Debtors pay 100% directly to you.
Contingency Service (20%–40%): Performance-based recovery. No Recovery, No Fee.

Industries We Serve in North Dakota

Oil, Gas & Energy: B2B recovery for the Bakken region. We handle high-value logistics, drilling disputes, and industrial supply recovery in Williston and Minot.
Agriculture & Logistics: Specialized recovery for equipment dealers and ag-industrial suppliers. We understand the “Net-30” cycles of North Dakota’s farming heartland.
Healthcare & Medical: 100% HIPAA-compliant recovery for hospitals, dental practices, and clinics across the Sanford and CHI St. Alexius systems. We handle 2026 federal reporting compliance while maintaining your right to collect via mediation.
Colleges & Universities: From UND to NDSU, we specialize in tuition fee recovery and housing balances, balancing firm tactics with the need to preserve student relationships.
K-12 Private & Charter Schools: Managing unpaid enrollment fees with a sensitive, diplomatic approach tailored for North Dakota’s tight-knit communities.
Accountants & CPA Firms: Recovery of professional service fees. We understand the local billing cycles and use professional mediation to ensure you get paid without damaging client rapport.
Banks & Credit Unions: Expert handling of delinquent consumer loans and deficiency balances using North Dakota’s aggressive 20-year judgment potential.
Construction & Trades: Revenue recovery for HVAC, electrical, and general contractors (Expertise in NDCC Chapter 35-27 Mechanic’s Liens).

Recent North Dakota Recovery Results

Case 1: Bismarck-Area Specialty Clinic (Medical)

The Problem: $128,000 in patient debt, much of it 4-5 years old. Local staff thought it was uncollectible.
The Result: Using the 6-year statute, Nexa recovered $94,000 in 65 days through diplomatic mediation, proving that “old” debt is still gold in ND.

Case 2: Williston Energy Services Firm (B2B)

The Problem: A $55,000 unpaid invoice for heavy equipment transport. The debtor went “dark” during an oil price dip.
The Result: We leveraged a Notice of Intent to Lien and formal B2B demand, resulting in a full $55,000 recovery plus interest within 21 days.

Frequently Asked Questions (FAQ)

1. Can I really collect a debt from 5 years ago in North Dakota?

Yes. For written and oral contracts, North Dakota Law (NDCC § 28-01-16) allows for a 6-year window. Nexa specializes in reviving these older, high-value accounts.

2. How do dependents affect my ability to garnish wages?

In North Dakota, a debtor can reduce their garnishable income by $20 per dependent. This makes high-income earners our primary target for legal action to ensure a profitable return for you.

3. Does Nexa handle credit reporting?

Yes. For all eligible accounts, we report to the major credit bureaus at no extra cost, providing the leverage needed to move your invoice to the top of the debtor’s priority list.

Popular Cities:

Collection Agency Directory

admin — Tue, 05 Sep 2017 14:21:00 +0000

Directory >> USA

Following is the list of collection agencies in USA sorted by state.

There are thousands of Debt Collection Agencies in USA. Finding a good Collection Agency with extensive experience in your industry is a daunting task.

✅Contact us and we will promptly connect you to a good collection agency for your industry and based on your state, for free. Nexa has assisted hundreds of businesses, institutions and medical professionals to effectively recover money from their past due accounts.

Your criteria to select the collection agency should be based on performance and not necessarily their cost. An agency that charges 10% more but also recovers 20% more, means you get 10% more money back in your pocket when compared to a lower-priced agency.

Alabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

Florida

Georgia

Hawaii

A R Recovery Solutions of Hawaii: Kapolei

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

Bilateral Credit Corp: East Providence

South Carolina

South Dakota

Tennessee

Texas

Utah

Virginia

Washington

West Virginia

Wisconsin

Wyoming

(We have most collection agencies listed here, and keep adding the new ones when we find them. )

Statute of Limitations in Debt Collection

admin — Sun, 03 Sep 2017 15:02:31 +0000

Statute of Limitations (SOL) is a time period after which a debt collector loses the right to sue the debtor or take any legal action against him. Statute of limitations laws vary from state to state, for example in California it is 4 years while in Rhode Island it is 10 years.

In most states, it’s between 3 to 6 years. Debts that have passed the statute of limitations are also known as “time-barred debts“.

Q1. If the statutes of limitations have passed, is the debtor free from debt?

No, the debtor still has the moral obligation to pay. The debt has not disappeared just that the debt collector can no longer force a debtor to pay or sue him in court.

Q2. If a debt collector contacts a debtor after the Statute of limitations has passed, has he broken a law?

Not necessarily. Let us look at these scenarios.

– A debt collector may have a wrong “Date of Debt” in his system. It is also possible that the debtor has wrongly calculated it, and the Statute of Limitations has not yet expired. Both parties should clarify this amicably, so there is no confusion. Present the proof if necessary.

– A Debt Collector can still try to collect money by sending a letter and calling over the phone. The debtor can tell the collector that he has no intention to pay. The guidelines on the Statute of Limitations vary by each state (and sometimes cities too), a collection agency must be very careful while trying to collect on these time-barred debts.

Q3. What are the consequences of not paying the debt after the Statute of Limitations have passed?
The debt collector can report the bad debt to the credit bureau reporting agencies like Experian, Transunion and Equifax (if permitted by the state laws). That unpaid debt will appear on the debtor’s credit history for seven years. This will greatly lower the chances of a debtor taking more loans and sometimes even make harder for him to get a good job for many years to come.

But wait, the debtor may be on the hook for paying taxes on the forgiven debt.
There is another consequence of not paying the debt. If the financial institution forgives or writes off a debt over $600, they may send a Form 1099-C to the IRS and a copy to the debtor as well. This only applies to the principal amount, and interests and other fees cannot be added. IRS will ensure that this amount is added to the debtor’s income. There are some exceptions when this is not applicable, like the discharge of debt due to bankruptcy or debtor’s insolvency etc. Since the debtor took the money and did not pay it back, IRS treats this as an income and demands tax on it. If the debtor claims insolvency, then IRS form 982 may apply. The debtor should consult a tax professional to handle this scenario.

Q4. How is the Statute of Limitations date calculated?
First, let’s understand the “Date of Debt” concept. It is the date when the debtor made some activity on that account. It could be the date when the item was purchased, or when the payment was due, or when the last payment was made, or even when the debtor re-agreed to pay the debt (which means the debtor has agreed again to the ownership of the debt). The most recent date is called the “Date of Debt” and the SOL is calculated from that date.

A debtor may have agreed to pay in 4 different ways
a) Oral Contract – Debtor agreed to pay orally (ex: an orally recorded phone message)
b) Written Contract – This could be a signed contract or an invoice. ( ex: A medical bill plus a written agreement)
c) Promissory Note – In this, the details of repayments are spelled out – For example, mortgages or car loans.
d) Open-ended– Here the balance and repayment terms can change- Ex: Credit cards, line of credit etc.

Following are some examples of Statute of Limitations by each state (in the number of years).

State	Oral Contracts	Written Contracts	Promissory Notes	Open-Ended
Alabama	6 years	6 years	6 years	3 years
Alaska	6 years	6 years	6 years	3 years
Arizona	3 years	6 years	6 years	3 years
Arkansas	3 years	5 years	5 years	3 years
California	2 years	4 years	4 years	4 years
Colorado	3 years	6 years	6 years	6 years
Connecticut	3 years	6 years	6 years	6 years
Delaware	3 years	3 years	3 years	4 years
Florida	4 years	5 years	5 years	4 years
Georgia	4 years	6 years	6 years	4 years
Hawaii	6 years	6 years	6 years	6 years
Idaho	4 years	5 years	5 years	4 years
Illinois	5 years	10 years	10 years	5 years
Indiana	6 years	6 years	10 years	6 years
Iowa	5 years	10 years	5 years	5 years
Kansas	3 years	5 years	5 years	3 years
Kentucky	5 years	10 years	15 years	5 years
Louisiana	10 years	10 years	10 years	3 years
Maine	6 years	6 years	6 years	6 years
Maryland	3 years	3 years	6 years	3 years
Massachusetts	6 years	6 years	6 years	6 years
Michigan	6 years	6 years	6 years	6 years
Minnesota	6 years	6 years	6 years	6 years
Mississippi	3 years	3 years	3 years	3 years
Missouri	5 years	10 years	10 years	5 years
Montana	5 years	8 years	8 years	5 years
Nebraska	4 years	5 years	5 years	4 years
Nevada	4 years	6 years	6 years	4 years
New Hampshire	3 years	3 years	6 years	3 years
New Jersey	6 years	6 years	6 years	6 years
New Mexico	4 years	6 years	6 years	4 years
New York	6 years	6 years	6 years	6 years
North Carolina	3 years	3 years	5 years	3 years
North Dakota	6 years	6 years	6 years	6 years
Ohio	6 years	8 years	15 years	6 years
Oklahoma	3 years	5 years	5 years	3 years
Oregon	6 years	6 years	6 years	6 years
Pennsylvania	4 years	4 years	4 years	4 years
Rhode Island	10 years	10 years	10 years	10 years
South Carolina	3 years	3 years	3 years	3 years
South Dakota	6 years	6 years	6 years	6 years
Tennessee	6 years	6 years	6 years	6 years
Texas	4 years	4 years	4 years	4 years
Utah	4 years	6 years	6 years	4 years
Vermont	6 years	6 years	5 years	3 years
Virginia	3 years	5 years	6 years	3 years
Washington	3 years	6 years	6 years	3 years
West Virginia	5 years	10 years	6 years	5 years
Wisconsin	6 years	6 years	10 years	6 years
Wyoming	8 years	10 years	10 years	8 years

A state may alter the Statute of Limitations from time to time therefore do not rely on the table above. Your collection agency should have the most up-to-date information on this. Proof of last activity may be a copy of a check, credit card statement, and other forms of communication that may have happened with the debtor.

Q5. What can Restart the Statute of Limitations?

If a debtor makes even a small payment ( say even $10) after the Statute of Limitations has passed or agrees to make payment under a new arrangement, it can potentially reset the “Date of Debt” again. In other words, the Statute of Limitations will reset and the debt collector can sue the debtor in the near future.

Q6. Can the old debts be removed from the debtor’s credit report once the Statute of Limitations has passed?

It can be removed only if the debt is inaccurate or legally disputable or has been resolved. Statute of Limitations has nothing to do with credit bureau reporting and affects the credit score for 7 years. Medical debts are removed from credit reports when paid.

Q7. Why is there a concept of Statute of Limitations after all?

It’s a kind of fairness doctrine. A debtor cannot be harassed all his life for a debt he could not pay. After all, even a creditor risks if he does not take the full payment immediately. As the debt gets older, circumstances change, documents are lost and important evidence can be misinterpreted. The objective is to encourage diligent collections while evidence is available and fresh. Considering all these factors, the Statute of Limitations came into existence.

Most collection agencies will stop collecting on a debt once the SOL is reached. They just lost the biggest tool ( read it “soft scare tactic”) used to recover unpaid debts.

Are you looking for a collection agency? Get in touch with us by visiting our “Contact us” section.

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