CFO Brief: Capital Preservation & Revenue Recovery in Thornton
In the heart of the North Denver tech and logistics hub, liquidity is the only metric that dictates the speed of your expansion. As Thornton evolves into a multi-billion dollar economic powerhouse—anchored by the vital I-25 business corridor and a surging healthcare sector—the “cost of waiting” on delinquent receivables has become an unsustainable tax on your growth. Whether you are managing a specialized medical facility near 144th Avenue or a logistics firm at the HighPoint development, stagnant cash flow is more than a line item; it is a disruption to your competitive edge. Nexa provides Thornton’s leaders with a sophisticated, legally-fortified recovery framework designed to retrieve your capital with the precision of a surgical strike, ensuring your liquidity remains as resilient as the Colorado economy.
Nexa provides 100% reputation-safe, 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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Transparent Recovery: $15 Fixed Fee vs. Performance Contingency
We offer two distinct, high-ROI paths to recovery to fit Thornton’s diverse business landscape:
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Fixed Fee Service ($15): The ultimate early-intervention tool for accounts 30–60 days past due. You pay a flat $15 per account, the debtor pays you directly, and you keep 100% of the principal.
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Contingency Fee (20% – 40%): Our performance-based “No Recovery, No Fee” model. We take the full risk—from skip-tracing to legal mediation—ensuring our interests are perfectly aligned with your bottom line.
Industries We Serve (Thornton & Adams County)
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Healthcare & Medical: 100% HIPAA-compliant recovery for hospitals, surgical centers, and specialty clinics. We are experts in Current Colorado medical debt laws, protecting your license by managing the new reporting prohibitions and 3% interest caps.
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Manufacturing & Logistics: B2B recovery for the industrial suppliers and freight brokers anchoring Thornton’s logistics hubs. We handle high-value logistics disputes and equipment recovery with professional precision.
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Construction & Trades: Revenue recovery for HVAC, electrical, and general contractors fueling the city’s residential and commercial boom. We also specialize in Restoration, Pool, and specialized trade disputes.
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Colleges & Universities: Specializing in tuition fee recovery and housing balances for local educational hubs, balancing firm tactics with student relationship preservation.
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Dental & Orthodontics: Tailored recovery for local practices where maintaining patient trust and professional reputation is paramount.
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Accountants & CPA Firms: Recovery of professional service fees. We understand the “Net-30” billing cycle and ensure you get paid without damaging client rapport.
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Banks & Credit Unions: Expert handling of delinquent consumer loans, utilizing Colorado’s specific wage execution laws to secure repayment.
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K-12 Private & Charter Schools: Managing unpaid enrollment fees and textbook costs with a sensitive, diplomatic approach.
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B2B Commercial: Specialized recovery for restoration, waste management, and industrial service providers.
Colorado Collection Law: 2026 Regulatory Summary
Navigating recovery in the Centennial State requires surgical precision. Nexa ensures your business remains 100% protected under current standards.
| Feature | Current Colorado Regulation |
| Medical Debt Reporting | Strictly Prohibited. Medical debt cannot appear on credit reports. Violations may render the debt unenforceable. |
| Medical Interest Cap | Interest on medical debt is capped at 3% per year under current state mandates. |
| Statute of Limitations | 6 Years for most written contracts (6 years for County Court judgments; 20 years for District). |
| Minimum Wage (2026) | $15.16 per hour. This significantly impacts the disposable earnings threshold for garnishment. |
Recent Recovery Results (Thornton Area)
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Medical Specialty Recovery: A Thornton-based orthopedic group was owed $6,800 on an account 180 days past due. Using our professional mediation protocol, we secured a full principal recovery within 19 days.
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B2B Logistics Recovery: A logistics firm along the I-25 corridor was owed $14,200 by a regional distributor. Nexa’s B2B team identified secondary assets and secured a full settlement within 32 days.
Frequently Asked Questions (FAQ)
1. How can Nexa collect medical debt if credit reporting is banned in Colorado?
Since the current reporting ban, we focus on Professional Mediation and Judicial Action. While we cannot “ding” a credit score, we utilize court-ordered bank levies and wage garnishments—which are often significantly faster and more effective than waiting for a credit report update.
2. What are the limits for wage garnishment in Thornton?
Under current Colorado law, garnishment is generally limited to the lesser of 20% of disposable earnings or the amount by which weekly earnings exceed 40x the state minimum wage ($15.16/hr). We handle all calculations to ensure your business remains 100% compliant.
3. Is Nexa HIPAA compliant for my practice?
Absolutely. Every step of our process—from data intake to debtor communication—is 100% HIPAA-compliant. We prioritize patient privacy and data security to protect your practice from regulatory risk.
Ready to Reclaim Your Capital?
Don’t let unpaid invoices stall your growth in the North Metro corridor. Partner with the recovery team that understands Thornton business and the nuances of current Colorado law.