Nexa Collections

Collection Agencies in St. Paul, MN

Directory >> USA >> Minnesota >> St. Paul

List of collection agencies in St. Paul, MN

Need a Collection Agency? Contact Us

  • We understand. It’s one of the most stressful parts of running a business.
  • You did the work, delivered the service, but the invoice remains unpaid. So, you hired a collection agency, hoping for a solution. Instead, you got a new set of problems.

Sound familiar?

  • Aggressive tactics that destroyed a long-term client relationship.

  • Huge commission fees that left you with pennies on the dollar.

  • Zero communication, leaving you in the dark.

  • Damage to your brand’s reputation in the St. Paul community.

It’s exhausting, and you deserve a partner who understands that you need to be paid, but not at the cost of your good name.

Don’t Let Your Cash Flow Freeze Like the Mississippi

For a St. Paul business, dealing with a bad collection partner can feel like your cash flow is frozen solid, just like the Mississippi River in January. Everything stops.

You’re trying to grow, to hire, to invest back into your business—maybe to open a new location near Rice Park or upgrade your services—but you’re stuck. A bad agency only makes it worse, chipping away at your reputation and charging a fortune for it. We believe there is a better, more professional way.

Switching to a Partner Who Understands

We’re not a “collection agency.” We are a modern, tech-enabled solution built for businesses that value their reputation as much as their revenue. We created our process because we knew there had to be a way to be firm and professional at the same time.

Here’s why switching to our model brings relief:

  • You Stop Overpaying.

    The old model jumps straight to a 40% or 50% commission. This is a massive loss, especially on smaller invoices. We provide a $15 fixed-fee option (Step 2) that is incredibly effective at a low, predictable cost. It’s a smarter, more affordable way to get results.

  • You Protect the Relationships You’ve Built.

    Your reputation in the Twin Cities is priceless. Whether your clients are near the State Capitol or the Cathedral of Saint Paul, we know you can’t afford to burn bridges. We treat your clients with respect, preserving the goodwill you’ve worked so hard to build.

  • You Get Total Peace of Mind.

    We are 100% compliant and licensed to operate in Minnesota, as required by state law. We also provide free bankruptcy and litigious client checks on every account you submit. This free service protects you from wasting time on an uncollectible debt or engaging with a high-risk entity.

  • You Get a Proven, Trusted Partner.

    Our high Google reviews are from business owners just like you, who were tired of the old, broken model and found relief in our transparent, effective, and professional process.

A Recent Success Story: Recovering for a St. Paul Firm

A St. Paul-based B2B consulting firm was owed $18,000 by a client. Their previous agency had been trying for months with no results, only succeeding in angering the client. They switched to us, and our $15 Step 2 demand, which was firm but professional, successfully re-opened the discussion. The account then rolled to our Step 3 team, who skillfully negotiated a 3-month payment plan. The client recovered 100% of their money, and just as importantly, they saved the business relationship.

Our Gentle, 4-Step Process

We put you in control with a process that is designed to be effective, affordable, and respectful. Most of our clients find success with the Step 2 + Step 3 combination.

  1. Step 1: First-Party ($15)

    We send a series of gentle reminders on your behalf. This feels like an extension of your in-house team.

  2. Step 2: Third-Party Demands ($15)

    For a flat $15, we use our third-party authority to send a series of formal, professional demands. This step resolves many accounts.

  3. Step 3: Contingency (40%)

    If the fixed-fee steps don’t work, our expert team will personally work the account. We only get paid if we successfully collect.

  4. Step 4: Legal (50%)

    For the most difficult accounts, we can escalate to our attorney network, but only with your full approval.

Frequently Asked Questions (FAQ)

What is the main difference between you and a traditional agency?

The biggest difference is our philosophy and our fee structure. We start with low-cost, fixed-fee options ($15) because we believe in solving your problem for the lowest possible cost. We are your partner, focused on your reputation and your bottom line.

H3: What are your fees again?

We keep it simple and transparent so there is no stress:

  • Step 1: $15 flat fee.

  • Step 2: $15 flat fee.

  • Step 3: 40% of what we successfully collect.

  • Step 4: 50% of what we successfully collect.

What if I’m worried about you damaging my client relationships?

This is our top priority. We understand that a late-paying client isn’t always a lost client. Our team is trained to be professional, respectful, and firm—not aggressive. Our high Google reviews often mention our professionalism.

What are the “free bankruptcy & litigious checks”?

To give you peace of mind, our system automatically scans every account you submit. We check if the debtor has filed for bankruptcy (so you don’t waste time) or if they are a “serial suer” known for filing lawsuits. This free intel protects you from risk.

How quickly can I get started?

It’s fast and easy. Our platform is 100% online. You can sign up and submit your first account in under five minutes. There are no long-term contracts or setup fees.

Ready for a Less Stressful Way to Get Paid?

Stop the frustration. Let us show you how a modern, respectful partner can recover your money and give you peace of mind.

Contact Us Today to Get Started