Shelby Charter Township runs on “in-between” time: between school pickup and the next appointment, between a job site and a supplier run, between Hall Road errands and a quick jump up Van Dyke. It’s a place where businesses move fast—even when the paperwork lags. And when invoices go past due, the lag isn’t just annoying… it’s expensive. Cash gets stuck, your staff gets pulled into awkward follow-ups, and the work they were hired to do gets pushed aside.
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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Pricing that lets you act early (without risking the budget)
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Fixed-fee $15 (client keeps 100% of what’s collected)
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Contingency 20%–40% (no recovery, no fee)
We may also send email and text when appropriate. Involvement of a collection agency significantly improves recovery rate—the earlier you assign, the better recovery results are delivered, especially using our most amicable strategies. Let your employees do the core work they were hired for, rather than collections work they obviously do not enjoy. If you want to hand off the follow-up cleanly,
The Hall Road Merge: why accounts stall (and how to get them moving)
Anyone who drives M-59 (Hall Road) knows the feeling: lots of lanes, lots of movement, and one tiny hesitation can jam everything up. Past-due accounts work the same way. Debtors usually don’t refuse payment outright. They “merge” you into the slow lane:
“Resend the invoice.” “We’re waiting on approval.” “It’s in AP.” “Try next week.”
Your Account Reconciliation Concierges don’t argue in traffic. We build an exit ramp:
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We tighten the file (scope, approvals, completion proof, invoice trail, dates).
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We confirm the decision-maker (not the person who forwards emails).
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We offer two clean options with a deadline—and follow through calmly.
Red flag box: 3 Shelby-area mistakes that make recovery harder
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The “neighbor discount” delay. You don’t want tension in a close community, so you wait. Waiting teaches the debtor that time is free.
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Too many lanes, no destination. Multiple emails, multiple departments, no firm due date or payment method. That’s not pressure—it’s noise.
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Letting your best staff chase. Office managers, dispatchers, hygienists, project leads—people who keep operations running—get stuck doing collections, and nobody wins.
Why you recover more by working with the debtor (not arguing)
Debtors rank bills. They pay the creditor who feels clear, fair, and easy to complete first. If paying you feels like stepping into a fight, you drop down the list behind rent, payroll, and whoever sounds calmer.
That’s why Velvet Hammer works:
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Firm enough to secure payment (documentation, deadlines, structured choices).
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Soft enough to protect your 5-star online reputation (respectful tone, no reckless pressure).
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We also do a litigation scrub to protect you from collecting debt from riskier people or situations that can boomerang.
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To prevent rogue behavior, calls are recorded and randomly reviewed to reduce complaints and review-bomb risk.
Recent recovery results
Medical recovery — $7,860 resolved without patient backlash
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Step 1: USPS address check + bankruptcy check. Statements were going to an old address after a move, so the account aged for the wrong reason.
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Step 2: Concierge outreach focused on clarity: what insurance handled, what remained, and two payment paths (short plan vs. payoff window).
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Step 3: Patient chose autopay on a structured plan. Balance closed smoothly—no escalation, no complaint trail.
Business recovery — $15,390 recovered while keeping the relationship intact
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Step 1: We rebuilt the documentation pack (authorization trail, completion confirmation, invoice timeline) and identified the true payables decision-maker.
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Step 2: Mediation call: one firm due date and two choices—pay-in-full by deadline or a short plan tied to their receivables cycle.
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Step 3: Partial payment arrived quickly; the remainder cleared via ACH on schedule.
Two $5K–$15K mini-scenarios (fast, concrete)
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$6,140 dental/ortho balance: Patient paused treatment and stopped responding. We used respectful reminders (including email/text where appropriate), offered two plan options, and closed the balance with a two-payment resolution.
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$13,520 contractor/trades invoice: A scope tweak created “confusion.” We aligned approvals, confirmed acceptance, and secured a two-step plan with firm dates.
Industries we serve in Shelby Charter Township and the surrounding corridor
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Healthcare & Medical: 100% HIPAA-compliant recovery for hospitals and specialty clinics—reputation-safe outreach designed to preserve patient relationships (including regional care hubs near Clinton Township).
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Colleges & Universities: Specializing in tuition fee recovery, housing balances, and bursar accounts. We balance firm collection tactics with the need to preserve student relationships and institutional reputation.
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Dental: Dental practices, orthodontics, and specialty clinics—clear options, calm persistence, no drama.
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Restoration, pool, contractors: Restoration claims, pool projects, and contractor billing disputes handled diplomatically with documentation-first follow-through.
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K-12 Private & Charter Schools: Managing unpaid enrollment fees and textbook costs with a sensitive, diplomatic approach tailored for family relationships (important in school-centered communities like those served by Utica Community Schools).
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Accountants & CPA Firms: Recovery of professional service fees. We understand the net-30 billing cycle and use professional mediation to ensure you get paid without damaging client rapport.
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Banks & Credit Unions: Expert handling of delinquent consumer loans, overdrawn accounts, and deficiency balances. We utilize aggressive garnishment laws to secure repayment on high-risk portfolios.
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Construction & Trades: Revenue recovery for HVAC, electrical, and general contractors—keep crews producing, not chasing.
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B2B Commercial / Restoration / Waste Management: Structured follow-up, clean files, and escalation only when it’s the smartest move.
Practical laws & rules that shape collections (not legal advice)
Collections are guided by federal rules like the FDCPA and CFPB Regulation F (which set boundaries on communications and prohibit harassment, deception, and unfair practices), plus Michigan’s Regulation of Collection Practices (Act 70 of 1981). Operationally, we also use USPS address checks, skip tracing, and bankruptcy checks to reduce wasted effort and risk. Credit reporting can be used if you choose and if permitted, with accuracy and dispute handling handled properly under the FCRA.
FAQs
We’re getting “AP backlog” excuses—how do you break that loop?
We convert vague delays into commitments: a date, a payment method, and a next step if it slips. No endless resends.
Will this cause backlash in a community where everyone talks?
Velvet Hammer is built for that reality. Calls are recorded and randomly reviewed, and outreach stays respectful while timelines stay firm.
Can you tailor outreach for seasonal cash flow and family budgets?
Yes. For consumer-facing balances, respectful structure wins: clear options, simple next steps, and no unnecessary friction.
If your receivables feel like they’re stuck at the Hall Road merge—moving, but never exiting—let’s build the exit ramp and get you paid without damaging relationships.