Tampa is built on movement—cargo through Port Tampa Bay, patients through major healthcare systems, deals through Westshore, and visitors through one of Florida’s busiest tourism markets. Your cash flow should move just as efficiently.
Nexa helps Tampa businesses, medical and dental practices, schools, contractors, property managers, logistics companies, and professional firms recover overdue accounts without turning collections into a reputation problem. Our approach is professional, persistent, and relationship-conscious—backed by strong online ratings and designed to help you get paid while protecting the brand you worked hard to build.
Nexa provides a reputation-safe approach, equipped with all 50-state collections license, offering free credit reporting, free litigious debtor check, free bankruptcy scrub, 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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A Better Partner for Your Bottom Line
Are you frustrated with your current agency’s aggressive tactics or poor results? We offer a smarter, more professional alternative. We blend cost-effective solutions with a fully compliant process, designed to protect your customer relationships.
- Protect Your Brand:
Our professional, empathetic approach preserves the goodwill you’ve worked hard to build. - National Reach, Local Expertise:
We can collect in all 50 states and Puerto Rico, but we have deep expertise in the Tampa economy. - Maximize Cash Flow:
We turn your aged receivables into revenue. - Ironclad Compliance:
We are experts in Florida’s specific laws (FCCPA), shielding you from risk. - Free Added Value:
All accounts get free bankruptcy screening, litigious debtor checks (to minimize lawsuits), and free address verification.
Our Proven, Scalable Process
We offer flexible steps to match your needs. Most of our Tampa clients find success starting with Step 2 (Fixed-Fee), followed by Step 3 for tougher accounts.
- 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.
- Step 2 — Third-Party Written Demands (Fixed-Fee)
Five professional letters on our letterhead that prompt action while preserving goodwill. We may also mix in digital contacts where permitted by law.- Typical Fee: $15 per account.
- Step 3 — Full Third-Party Collections (Contingency)
Our team uses persistent, polite phone and digital outreach. We negotiate payment plans and settlements to get you paid.- Typical Fee: 40% of amounts recovered. No Recovery, No Fee.
- Step 4 — Legal Collections (Contingency, Client-Approved)
For the most difficult accounts, we escalate to an attorney after an in-depth review, and only with your explicit approval. Nominal filing fees are initiated and reimbursed upon recovery.- Typical Fee: 50% of amounts recovered. No Recovery, No Fee.
For our low-cost Steps 1-2, payments go directly to you with no extra fees. (You may also be able to claim this fixed-fee cost as a business expense, making this service even more affordable.)
Remember: Newer accounts have better recovery rates. Don’t wait until a balance is too old.
Industries We Serve in Hillsborough County
We work with small and large businesses across the Tampa Bay area, with deep experience in:
- Medical, Dental & Healthcare (HIPAA Compliant)
- Professional Services & Tech
- Logistics, Transportation & B2B Suppliers
- Utilities & Auto
- Schools & Private Education
- Gyms & Fitness Centers
- Senior Living & Assisted Living
- Parking and Towing
Recent Tampa-Area Results
- $9,400 Recovered for a dental practice near the University of South Florida (USF) from a patient who had ignored 90-day-old invoices.
- $31,200 Secured for a logistics firm near the port from a corporate account that was disputing freight charges.
- $12,500 Collected for a B2B service provider in the Westshore district using our Step 2 + Step 3 combination.
A Note on Florida Compliance (FCCPA)
As your partner, we navigate Florida’s complex laws for you. The Florida Consumer Collection Practices Act (FCCPA) is a strict state law that governs how debts can be collected.
A key provision: the FCCPA can apply to original creditors (you), not just third-party agencies. This means an aggressive or non-compliant partner exposes your business to significant legal risk. We are experts in the FCCPA, ensuring all contact is professional and compliant, protecting your reputation and your bottom line.
Tampa Collection Agency FAQs
1. Can a Tampa collection agency recover unpaid freight, shipping, and logistics invoices?
Yes. Tampa is a major logistics market anchored by Port Tampa Bay, Florida’s largest and most cargo-diverse seaport. The port handles roughly 33 million tons of cargo annually and supports a large network of trucking companies, warehouses, distributors, manufacturers, freight providers, and maritime businesses.
Nexa can pursue legitimate freight charges, warehousing fees, transportation invoices, storage charges, equipment rentals, distribution fees, and other B2B receivables. For disputed logistics accounts, businesses should preserve contracts, rate confirmations, bills of lading, proof of delivery, invoices, accessorial charges, and customer correspondence.
2. Can Tampa hotels, restaurants, and convention vendors collect unpaid group or event invoices?
Yes. Tampa’s visitor economy generated approximately $9.5 billion in economic impact in 2025, with more than 28 million visitors and a major convention and hospitality sector. That creates receivables involving hotels, caterers, event venues, AV providers, transportation companies, restaurants, and other hospitality vendors.
For event-related collections, keep the signed event contract, room-block agreement, cancellation or attrition terms, banquet or service orders, approved extras, invoices, and proof that the services were delivered. These records can be especially important when the person who booked an event and the company ultimately responsible for payment are different.
3. What should Tampa hospitals and healthcare providers know before sending patient balances to collections?
Florida places specific requirements on licensed hospitals before certain aggressive collection actions can occur. A hospital generally must first bill applicable insurance, provide an itemized statement, evaluate applicable financial-assistance eligibility, and provide advance notice before pursuing specified extraordinary collection actions.
Florida also has a particularly important deadline for hospitals: an action to collect medical debt for services provided by a facility licensed under Chapter 395 generally has a three-year limitation period running from the date the facility refers the debt to a third party for collection. That rule does not necessarily apply identically to every physician, dentist, or other healthcare provider.
For Tampa medical offices, dentists, hospitals, urgent care centers, surgery centers, ophthalmologists, and senior living providers, the safest collection strategy begins with confirming what the patient actually owes and then using professional, HIPAA-conscious follow-up.
4. Why does military awareness matter when collecting debts in Tampa?
Because MacDill Air Force Base gives Tampa an unusually large military population. MacDill hosts U.S. Central Command, U.S. Special Operations Command, and numerous other mission partners, with thousands of military personnel, civilian employees, contractors, dependents, and retirees connected to the installation.
Qualifying servicemembers may receive protections under the federal Servicemembers Civil Relief Act (SCRA) involving certain pre-service debts, interest rates, default judgments, leases, repossessions, and other legal proceedings. Tampa creditors should therefore identify possible active-duty military status before certain types of legal escalation rather than treating every account as an ordinary consumer debt.
5. How quickly should a Tampa contractor act on an unpaid construction invoice?
Quickly. Under Florida law, a qualifying construction lien generally must be recorded no later than 90 days after the claimant’s final furnishing of labor, services, or materials. Other notice requirements can also apply depending on the contractor’s role in the project.
For Tampa general contractors, electricians, plumbers, HVAC companies, roofers, restoration companies, subcontractors, and material suppliers, repeated invoice reminders should not consume the entire lien window. Collection efforts can begin while lien rights are reviewed, with a qualified Florida construction attorney handling lien filings or enforcement when necessary.
6. Can a Tampa business use Hillsborough County Small Claims Court for an unpaid invoice?
Yes. Hillsborough County Small Claims Court handles qualifying money claims below $8,000, while County Civil handles larger claims up to $50,000. The Clerk states that small-claims cases can involve money owed and that the pretrial hearing is generally scheduled within 50 days after filing.
However, winning a judgment and actually receiving payment are separate issues. Florida also provides strong head-of-family wage protections that can restrict garnishment of a debtor’s earnings. For difficult post-judgment recovery, a local Tampa debt-collection attorney familiar with Florida exemptions and judgment enforcement may be appropriate.
Ready to Improve Your Cash Flow?
Stop wasting time on unpaid invoices. Let us help you recover what you’re owed, professionally and effectively.
Contact us for a no-obligation quote for Tampa.