Nexa Collections

Collection Agency in Seattle | Compliant & Effective

Seattle Debt Collection — Faster Recoveries, Reputation Intact

Turn late invoices into predictable cash flow without risking relationships in Downtown, South Lake Union, Capitol Hill, Ballard, Fremont, SODO, Queen Anne, and along I-5, SR-520, Aurora Ave N, Rainier Ave S.

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. 

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Simple Pricing (No Games)

Fixed-Fee: $15 per account — you keep 100% of what you recover.
Contingency: 40% — no recovery, no fee.

When appropriate and permitted, we may also use email or text to speed up responses. Involvement of a collection agency significantly improves recovery rate — earlier you assign, better recovery results are delivered, using our most amicable strategies. Let your employees do the core work they were hired for, instead of chasing payments (which they obviously don’t enjoy). And yes — Spanish-speaking collectors are on board for bilingual outreach.

Money-saver tip: Many clients are able to “zero out” the cost of our fixed-fee service by treating it as a Business Expense for taxes (after checking with their CPA).

Why Seattle Businesses Choose Us

  • Lower cost first: Start with fixed-fee nudges (~$15/account for five contacts) before you ever pay a percentage.

  • What works here: Most clients use Step 2 → Step 3 for speed, ROI, and relationship protection.

  • Reputation protection: Polite, professional, compliant contact that mirrors your tone—from Pike/Pine to SLU and the Eastside.

  • Nationwide reach: One partner for all 50 states + Puerto Rico.

  • Easy start: Simple CSV upload, real-time status, and audit-ready notes.

Recent Results in and near Seattle

  • Specialty medical (First Hill / Capitol Hill): 140 accounts → 47% paid in 45 days on Step 2; +18% closed with Step 3 plans.

  • Dental network (Ballard ↔ Queen Anne): 190 mixed-age → 30% resolved on Step 1; +22% settled on Step 3.

  • Gym & memberships (South Lake Union): 85 finals → $18k recovered in ~60 days, zero complaints.

  • B2B services (SODO / Georgetown): 60 balances → 33% same-month after Step 2; a few high-balance files reviewed for legal.

How We Work

(This is practical guidance, not legal advice. We tailor to your facts and latest rules.)

  1. Pick your starting step (1–3) by age/amount.

  2. Upload CSV (names, balances, contacts, dates, notes).

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

  4. We execute + track right-party contact, promises-to-pay, paid-in-full.

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

Service Types & Pricing

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

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

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

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

Notes: In Steps 1–2, payments go directly to you; no extra fees. Start at any step (1–3) based on age/amount. Free bankruptcy screening, free litigious-debtor check (to minimize lawsuits), free latest-address check, and credit reporting (if you want and if the law permits).

Reputation Protection (Brand-Safe by Design)

  • Courteous scripts, clear options, and de-escalation first to prevent complaints.

  • Audit-ready documentation for every touch and promise-to-pay.

  • You control cadence, settlement limits, and any reporting.

Washington Debt Collection Essentials (In Short)

  • Sue-by timelines: Washington commonly uses about 6 years for written contracts and about 3 years for oral, but confirm specifics for your account type. Avoid time-barred actions.

  • Wage garnishment (after judgment): Subject to federal/WA limits and exemptions (often up to 25% of disposable earnings, with protections).

  • Validation & accuracy: Send a clear validation notice with a 30-day dispute window; ensure balances/ownership are precise.

  • Two-party consent (calls): WA is a two-party consent state; consent rules are followed in our processes.

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

Industries We Serve (Seattle Focus)

Small & large businesses, medical, dental, schools/training, utilities, auto, professional services (law/CPA/MSP/SaaS), gyms & memberships, senior living, parking, towing, home services/contractors, startups and tech.

FAQs

  • Can we start at Step 3?

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

  • Will customers be upset?

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

  • Do you report to bureaus?

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

  • Multi-location and multi-state?

    • Absolutely—we collect in all 50 states and 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 based on age/amount.

About — Seattle

  • Hub: Cloud/software, e-commerce, aerospace, biotech, gaming, clean tech.

  • Notables: Amazon, Microsoft (region), Boeing, Starbucks, Costco (region), Zillow, Tableau.

  • Big employers: Amazon, Microsoft, UW & UW Medicine, Boeing, City of Seattle/King County, Providence/Swedish.

  • Famous for: Space Needle, Pike Place Market, ferries & Puget Sound, Mount Rainier views, coffee culture, drizzle.