Nexa Collections

Collection Agencies in Tucson, AZ

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List of collection agencies in Tucson, AZ

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Partnering with Tucson Businesses for Better Recovery

We understand the unique challenges of the Tucson economy. From seasonal fluctuations to managing accounts for a diverse client base, getting paid what you’re owed is critical. We provide cost-effective, compliant, and reputation-safe recovery services designed to improve your bottom line. We are proud of our high Google review ratings, which reflect our commitment to professional, effective service.

We don’t just collect debt; we manage your accounts receivable with the same level of professionalism you show your own customers. Our goal is to maximize your recovery while protecting your brand in the community.

About Tucson

From the innovative hub around the University of Arizona and the aerospace and defense giants like Raytheon to the thriving “Optics Valley,” Tucson is a city of growth. As a UNESCO City of Gastronomy, its vibrant culture is matched by its economic strength. We serve businesses across Pima County, helping them navigate the complexities of recovery so they can focus on their own success.

Why Choose Us Over Other Agencies?

Switching from an underperforming agency or an internal process can feel daunting, but the benefits are clear:

  • Better Results: Our blend of technology, data, and respectful persistence delivers superior recovery rates.
  • Cost-Effective Options: Why pay high contingency fees on accounts that just need a professional nudge? Our $15 fixed-fee services are perfect for early-stage balances, saving you thousands.
  • Reputation Protection: We are an extension of your brand. Our HIPAA-compliant (for medical/dental) and professional approach ensures your patient and customer relationships are preserved.
  • Nationwide Reach: While we offer local expertise in Tucson, we are licensed to collect in all 50 states and Puerto Rico, providing a single solution for all your accounts.
  • Total Compliance: We handle the complex legal landscape so you don’t have to. Our process includes free bankruptcy screening and litigious debtor checks to minimize your risk.

Our Services: Flexible, Cost-Effective, Compliant

We offer a full spectrum of services. You can start at any step, but most clients find success starting with Step 2, followed by Step 3 for tougher balances.

  • 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. Sometimes digital contacts are mixed if permitted by law in that area. Typical Fee: $15 per account.
  • Step 3 — Full Third-Party Collections (Contingency) Persistent, polite phone + digital contact; payment plans and settlements are used when helpful. Typical Fee: 40% of amounts recovered. No recovery, No Fee.
  • Step 4 — Legal Collections (Contingency, client-approved) Attorney escalation only after in-depth review; nominal filing fees are initiated and reimbursed upon recovery. Typical Fee: 50% of amounts recovered. No recovery, No Fee.

Steps 1–2: payments go directly to you; no extra fees. All services include free latest address checks and free credit reporting (where permitted and desired). Remember, newer accounts always have better recovery rates.

How We Work

Our process is simple, transparent, and built around your needs.

  1. Securely Place Accounts: Use our easy online portal to place single or multiple accounts.
  2. Choose Your Strategy: We’ll help you decide between fixed-fee (Steps 1-2) or contingency (Step 3) based on the age and type of debt.
  3. We Engage: Our team begins professional, compliant outreach tailored to your brand.
  4. You Get Paid: For fixed-fee services, payments come directly to you. For contingency, we remit your share promptly.

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

Industries We Serve in Pima County

We work with small and large businesses across the Tucson metro area, including:

  • Medical & Dental (Fully HIPAA Compliant)
  • Schools and Universities
  • Utilities and Municipalities
  • Auto Dealers and Repair
  • Professional Services (Attorneys, Accountants)
  • Gyms and Membership Services
  • Senior Living and Home Care
  • Property Management and HOAs
  • Parking and Towing

Recent Results in Your Area

  • A dental practice near Sabino Canyon recovered over $45,000 in 90 days using our Step 2 fixed-fee program for accounts 60-120 days past due.
  • A large property manager with buildings in the Barrio Viejo and near Congress Street reduced their active delinquencies by 55% after switching to our Step 3 contingency service.
  • A regional utility provider used our Step 1 reminders to see a 30% lift in payments on early-stage accounts, preventing them from ever needing collections.

A Note on Arizona Debt Collection Laws

For you, our client, the most important law to understand is the Statute of Limitations on Debt.

  • What it is: The legal time limit you have to file a lawsuit to recover a debt.
  • In Arizona: For most debt, including written contracts and credit card agreements (per A.R.S. § 12-548), the limit is six years.
  • When the clock starts: The six-year period generally begins from the date of the first missed minimum payment that was not cured.

What this means for you: Time is critical. Sending accounts to us long before the six-year limit expires dramatically increases the chances of recovery and preserves all your legal options.

Frequently Asked Questions

  • How do we protect our reputation? Our collectors are trained in professional, empathetic communication. We work with debtors to find solutions, not against them. Our high Google ratings from both clients and debtors are a testament to this approach.
  • What makes the $15 fixed-fee (Step 2) so effective? Many customers simply need a formal, third-party reminder to prioritize a payment. The authority of a collection agency’s letterhead often prompts immediate action, all for a low flat fee, which saves you from paying 40-50% contingency fees on money that was easy to collect.
  • How do we get started? It’s easy. Use the contact link below. We can have your account set up and begin working on your behalf in as little as 24 hours.

Ready to Recover More, Faster?

Let us show you why we are the trusted recovery partner for businesses in Tucson and across the nation.

Contact Us for a no-obligation consultation.