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Mortgages are the biggest loans in the United States, running into hundreds of thousands of dollars against each property. Many mortgage borrowers go above and beyond what they can afford to become proud home-owner of that expensive dream house. If a recession strikes, such borrowers are the first ones to default on their obligations.

Before their financial situation deteriorates further, hiring professional debt collectors to cut potential losses a lender may incur is highly advisable. Not every collection agency understands how the foreclosure/mortgage loan process works.

Most Banks and Credit Unions have their in-house collection teams to remind borrowers once they miss a payment. They usually report a late or missed payment to the borrower’s credit report every 30 days. But those missed payments are not going away; they make the mortgage repayment even steeper and more challenging for the borrower. Only a couple of missed payments can potentially push many borrowers beyond that point where they become mortgage defaulters.

To get a higher mortgage recovery, follow these three thumb rules.

1. Transferring an account to a collections agency earlier rather than waiting.

2. Scanning and storing all paperwork in electronic format and forwarding it to the collections agency promptly when requested.

3. Rather than selling the debt cheaply to a debt buyer, outsource it to a collection agency for better collection returns and profits.

Steps involved in recovering unpaid mortgage

Recovering unpaid mortgages involves a series of legal and administrative steps. It’s important to note that the process may vary depending on the jurisdiction or country in which the property is located. Here is a general outline of the steps that may be involved in the process of recovering an unpaid mortgage:

1. Review the Mortgage Agreement: The first step is to thoroughly review the mortgage agreement to understand the terms and conditions, and what steps can be taken in the event of non-payment.
2. Contact the Borrower: Before taking any legal action, it is standard practice to contact the borrower to inquire about the missed payments. It is possible that there is a legitimate reason for the non-payment.
3. Send a Formal Notice: If the borrower does not respond or is unable to make the payments, a formal notice may be sent. This notice should detail the amount due, including any late fees and the deadline by which the payment must be made.
4. Consider Alternative Solutions: Depending on the borrower’s circumstances, you might consider alternative solutions such as loan modification, forbearance, or a repayment plan.
5. Initiate Legal Action: If the borrower is still not able to make the payments, the lender can initiate legal proceedings. This usually involves filing a lawsuit in court to recover the money owed.
6. Foreclosure Proceedings: In many cases, recovering an unpaid mortgage may involve the lender repossessing the property through a process known as foreclosure. The foreclosure process can be judicial or non-judicial depending on the laws in the jurisdiction.
7. Property Auction or Sale: Once the property is repossessed, it may be sold through an auction or traditional sale to recover the unpaid mortgage amount.
8. Deficiency Judgment: In some cases, if the sale of the property does not cover the total amount owed on the mortgage, the lender may seek a deficiency judgment against the borrower for the remaining balance.
9. Collecting the Deficiency: If a deficiency judgment is granted, the lender may take further actions to collect the remaining balance. This can include garnishing wages, levying bank accounts, or placing liens on other properties owned by the borrower.
10. Report to Credit Bureaus: The lender may also report the foreclosure and any deficiency judgments to credit bureaus, which can have a significant impact on the borrower’s credit score.
11. Closing the Case: Once the lender has recovered the funds or the property has been sold, the legal case will be closed.

It’s important to note that laws and regulations governing mortgage recovery and foreclosure vary widely by jurisdiction. It is advisable to consult with a legal professional who specializes in real estate and mortgage law to understand the specific processes and requirements in your area. Additionally, lenders should also be cognizant of any legal obligations they have to act in good faith and to comply with laws that protect the rights of borrowers.

If you are looking for a Collections agency with extensive experience in recovering and negotiating mortgage debt: Contact us

Automotive repair and body shop garages regularly face issues related to accounts receivable. Whether it is because a customer did not fulfill his obligation to pay or a delay/rejection of the claim by an insurance company. Past-due accounts can quickly erode the profits of an automotive workshop and even interrupt the smooth running of the facility.

If an Automotive workshop on a 20% profit margin, say 5% of their customers do not pay, then effectively 25% of their net profit is gone. Collecting money from existing customers is more important than getting new customers. Sounds unreal, but it’s correct.

Need a collections agency: Contact us

Besides the time required to generate new business, an automotive workshop faces many challenges. These include increased competition, certification requirements, integrated vehicle technologies, a limited number of skilled workers, paperwork, and higher expectations for speedy repairs despite a slower reimbursement process by insurance companies.

If a repair is being paid through an insurance claim, the garage must often navigate a complex process to get paid. This can lead to delays and increased administrative burden.

Relying on in-house staff, which are not adequately trained to collect the debt can be ineffective, time-consuming and costly. Transferring an account to a professional collection agency will reduce the staff burden and even result in higher recovery rates. Debt collectors are experts in collecting debt; after all that is what they do every workday. They ensure that the debt collection rules and regulations specified by the Federal and State governments are followed, minimizing the chances of a counter-lawsuit.

A collection agency will also do advance Skip Tracing, which helps to locate a debtor in case he has shifted from this residence. Services offered by collection agencies are usually diplomatic but can be slightly intensive if required. The two-step collection process offered by collection agencies is perfect for starting the diplomatic process initially and then using debt collectors or filing a legal suit to put more pressure to settle the account. Collection agencies can also report the debt to Credit Bureaus if you request them to do so. They drastically reduce the stress of debt collection for the owner and the staff.

Lawn care and landscaping companies regularly have unpaid bills from customers who do not fulfill their promise of making timely payments once the work has been completed. They do not have time to follow up on these unpaid bills effectively.

Lawn care contractors struggle to keep their accounts in “green” because they employ too few resources to manage the business’s administrative side since it is considered a cost center. These past-due accounts quickly become a huge problem, impacting cash flow in this fiercely contested industry.

Contact us if you need a collection agency to recover your unpaid bills.

Landscaping companies face numerous business challenges:

1. Seasonality: This industry is highly seasonal in many regions, with demand peaking in spring and summer. This seasonality can make cash flow management difficult. Companies need to budget effectively to maintain their business operations during the off-season.
2. Labor Issues: Landscaping is labor-intensive work and finding reliable, skilled, and affordable labor is a major challenge. In many areas, there’s also a high turnover rate in the industry, which can lead to increased costs related to hiring and training.
3. Competition: The landscaping industry is highly competitive. It’s fairly easy for someone to start their own business, resulting in an oversaturated market in some areas. Companies have to work hard to differentiate themselves from competitors and attract new customers.
4. Regulations and Compliance: Landscaping companies must comply with various local, state, and federal regulations. These might pertain to pesticide usage, waste disposal, water conservation, and more. Navigating and complying with these regulations can be challenging and costly.
5. Climate Change and Sustainability: As climate change becomes more pressing, many customers demand eco-friendly landscaping solutions. This requires investment in sustainable practices, new equipment, and training.
6. Equipment Costs and Maintenance: Landscaping requires a variety of equipment, which can be expensive to purchase and maintain. This can be particularly challenging for small businesses or startups with limited capital.
7. Technology Integration: The integration of new technologies, like landscaping design software, automated irrigation systems, or project management tools, can be challenging but is increasingly necessary to stay competitive. Some companies may struggle with the cost of these technologies or the learning curve associated with their use.
8. Marketing and Customer Acquisition: With the growing competition, effective marketing is more important than ever. Small businesses in particular, may struggle with creating an effective online presence or leveraging social media to attract customers.
9. Price Pressure: With so much competition, there is often pressure to keep prices low to attract clients. However, low prices can impact profitability if not managed carefully.
10. Health and Safety Risks: The industry often involves physically demanding work, and companies need to manage health and safety risks to protect their employees and avoid potential liability.

Need a Collection Agency?

A professional debt collection agency works as an extended branch of your business. They are experts in debt collection. They will diplomatically approach your clients whose payments are late and employ various tactics to recover money from them. Collection agencies follow the laws of “The Fair Debt Collection Practices Act (FDCPA)”. Their staff knows how to negotiate patiently and handle common debtor excuses. Since lawn care and landscaping companies do not have a good enough system for overdue accounts receivables and unpaid bills, hiring a collection agency becomes mandatory. You must provide a copy of your signed contract to your collection agency if your customer disputes the debt.

Check this: Cost of hiring a collection agency

Your options include trying to collect by first sending low-cost “Collection Letters” followed by “Collection Calls” or going for “Collection Calls” directly. Collection agencies are licensed, insured, and bonded. They do various checks to minimize risk for your business and attempt to maintain a good relationship with your clients by using a diplomatic approach to recover money. If requested, they will even report the debt to the Credit Bureaus and may even file a Legal Suit to recover money. For credit bureau reporting SSN or DOB of your customer is needed by law.

The housing market has seen new buyers since 2015. We hope all these new families are generating good revenue for you. While you make the world go greener, a collection agency will work aggressively to keep your accounts receivables healthy and green.

Stop Chasing Payments. Start Recovering Revenue.

The Gym Owner’s Dilemma: When Unpaid Dues Kill the Vibe

Your club runs on energy and community—not awkward phone calls about money. Yet churn, expired cards, chargebacks, and cancellation disputes can quietly squeeze cash flow. That’s where Nexa Collect comes in: we recover unpaid membership dues, PT packages, class packs, initiation fees, and more—professionally and in a way that protects your brand.

Your Team Isn’t Built for Collections. Ours Is.

Front-desk or back-office staff aren’t trained in collection laws and can create risk without meaning to. Let your team focus on member experience and sales. Our certified collectors handle the tough conversations with a compliant, diplomatic approach.

A Two-Phase Process Designed for Fitness Businesses

Phase 1: Brand-Safe Reminders (Low, Flat Fee)
Best for: Accounts under 120 days past due.
• Up to 5 professional reminders (letters and/or emails) that feel like formal notices—not attacks.
• About $15 per account; members pay you directly.
• Ideal first step to fix oversights, card failures, or address changes.

Phase 2: Full Contingency Collections (No Recovery, No Fee)
Best for: Older or disputed accounts (over 120 days).
• Expert negotiators use respectful calls and follow-ups to resolve balances.
• No upfront cost. We earn a percentage only if we recover.

Why Gyms and Health Clubs Choose Us

• Brand protection: compliant, member-friendly outreach that preserves your reputation.
• Real-time portal: submit accounts, track progress, and download reports 24/7.
• Credit-bureau option: with your approval, we can report delinquencies to major bureaus—an ethical, effective motivator.
• Easy to pay: online and phone payments reduce friction and speed resolution.
• Security and access: PCI-aware systems; bilingual (English/Spanish) communication to reach more members.

Transparent Pricing. Strong Outcomes.

Choose the phase that fits each account and budget. See transparent pricing and pick the most cost-effective path for your gym.

Act Early. Recover More.

Don’t let receivables age out. The sooner you escalate, the higher the recovery—and the less time your staff spends chasing payments.

Get recommendations tailored to your gym. Contact us to start recovering unpaid dues today.

Dental practices must hire a HIPAA compliant collection agency to recover unpaid patient bills faster and professionally without straining staff or damaging patient relationships.

For dental practices, recovering unpaid patient bills is a delicate balance. You must maintain a healthy cash flow, but you cannot risk your patient relationships or, more importantly, your legal standing with HIPAA.

Contact us for a compliant, reputation-safe recovery plan. Our high Google ratings are a testament to our patient-friendly approach.

The New Rules of Dental Billing: Compliance First

Before any account can be collected, your practice must be compliant. Recent laws have changed how patient billing works, and using a partner who understands this landscape is critical.

• HIPAA & Business Associate Agreements (BAA): As your partner, we are a “Business Associate” under HIPAA. We sign a BAA with your practice, legally binding us to protect your patients’ Protected Health Information (PHI). We only use the “minimum necessary” information (like name, balance, and dates of service) to perform our job.
• The “No Surprises Act” (NSA): This federal law is crucial. It requires you to provide “Good Faith Estimates” (GFEs) to your uninsured or self-pay patients before a service. An attempt to collect a bill that is significantly higher than your GFE can lead to disputes and legal challenges. We help you navigate collections for accounts that are fully compliant.

Best Practices for Your In-Office Team

The best collection is one that never has to be sent. We find that practices with the highest success rates follow these steps:

1. Have a Clear Financial Policy: Patients should sign a clear, simple policy stating they are responsible for all charges not covered by insurance.
2. Verify Insurance Before Treatment: Always check eligibility and benefits before the appointment to give the most accurate co-pay estimate.
3. Collect Co-pays at Time of Service: This is the easiest way to reduce post-treatment billing.
4. Send Statements Immediately: Send the final patient-responsible bill as soon as the EOB (Explanation of Benefits) is received.

When Is It Time to Send an Account to Us?

It’s time to let your staff focus on patient care when you see these red flags:

• The patient has ignored two or more statements.
• The patient has made a broken promise to pay.
• The patient is no longer communicating (“ghosting”).
• Your staff is spending more time chasing payments than serving patients.
• An invoice is 90-120 days past due. The older an account gets, the harder it is to collect.

Our Patient-Friendly Recovery Process

We offer flexible, multi-stage options. Most of our dental clients use Step 2 followed by Step 3 for the best results.

(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 on our letterhead that prompt action while preserving goodwill.
   • Typical Fee: $15 per account.
3. Step 3 — Full Third-Party Collections (Contingency)
   Persistent, polite phone and digital outreach from our HIPAA-trained specialists. 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 large, unresponsive accounts, we escalate to an attorney after an in-depth review, and only with your explicit approval.
   • Typical Fee: 50% of amounts recovered. No Recovery, No Fee.

Key Benefits of Our Service:

• For Steps 1-2, payments go directly to you.
• We can collect in all 50 states and Puerto Rico.
• Free Services: We provide free bankruptcy screening, litigious debtor checks, and free address verification on all accounts.

Why Dental Practices Switch to Us

• We Protect Your Reputation: We will not harass your patients. Our goal is to find a solution, not create a conflict. We save you from negative Google and Yelp reviews.
• We Are HIPAA Experts: We are not just “HIPAA compliant”; we are experts who understand the law and can sign a BAA with your practice.
• Better ROI: Our blend of low-cost fixed-fee options (Steps 1-2) and a professional contingency service (Step 3) means you recover more, more efficiently.
• We Free Up Your Staff: Your front desk team are healthcare professionals, not collectors. Let them focus on patient care and growing your practice.

Frequently Asked Questions for Dental Practices

• What if the patient is disputing an insurance claim?

  A: We are not an insurance billing company. We only pursue the patient-responsible balance after insurance has paid or denied the claim. We will direct patients with insurance questions back to your office.

• Will you sue my patients?

  A: We are not a law firm and will never sue a patient without your explicit, written permission. Our process (Steps 1-3) is designed to resolve accounts before legal action is ever considered.

• What about credit reporting?

  A: Due to new federal rules, unpaid medical/dental debt under $500 is no longer reported on credit bureaus. We believe protecting your patient relationship is far more valuable than credit reporting, and we focus on professional, diplomatic communication to get results.

• How do we get started?

  A: It’s simple. You Contact us, we sign a Business Associate Agreement (BAA), and you can securely place accounts through our online portal.

Ready to Improve Your Practice’s Cash Flow?

Stop letting aged receivables hurt your bottom line. Contact us for a no-obligation, fully compliant quote.