Tupelo moves to a beat—fast in the morning on McCullough, steady at lunch downtown, and loud when a big weekend rolls through Cadence Bank Arena. But unpaid invoices don’t keep rhythm. They pile up, distract your team, and quietly train customers to treat you like a free line of credit.
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 (clear and close to the top)
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Fixed-fee $15: you keep 100% of what’s recovered.
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Contingency 40%: no recovery, no fee.
When appropriate and permitted, we may also use email or text to speed up responses. Involvement of a collection agency significantly improves recovery rate—the earlier you assign, the better recovery results are delivered, using our most amicable strategies. Let your employees do core work for which they were hired, rather than making them do collections which they obviously do not enjoy. Bilingual collections are available (Spanish collectors also on board).
Money saver tip: Many clients treat the fixed-fee service as a business expense after consulting their CPA, which can make the fixed-fee option feel effectively “free.”
The Velvet Hammer in Tupelo terms: keep the backbeat, not the brawl
Tupelo is famous for giving the world music. And music works because the backbeat stays steady—even when the song gets emotional.
Debt recovery should feel the same: steady pressure, calm tone, no chaos. When you argue with a debtor, you create resistance. When you guide them, you create momentum. Our Velvet Hammer style is firm enough to secure payment, but respectful enough to protect your 5-star reputation.
Local anchors we build around (because Tupelo isn’t generic)
Your customers’ behavior is shaped by the city’s flow:
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U.S. 45 and I-22 / U.S. 78 (regional routes that tie vendors, crews, and buyers across North Mississippi)
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The Natchez Trace Parkway access near town (tourism and seasonal spending patterns)
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Tupelo Regional Airport (TUP) (business travel, time-sensitive vendors, staffing firms)
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North Mississippi Medical Center (regional healthcare complexity and patient billing realities)
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Downtown Tupelo plus the event draw of Cadence Bank Arena (weekends change the pace)
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Barnes Crossing retail and service density (high volume, high “billing contact turnover”)
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The nearby manufacturing pull of Toyota Motor Manufacturing Mississippi in Blue Springs (suppliers, contractors, B2B cycles)
Why you recover more by working with the debtor (instead of arguing)
Debtors pay the account that feels easiest to close. Not the loudest. Not the angriest.
Arguing does three unhelpful things:
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It turns the conversation into a pride contest.
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It invites silence (“I’ll call you back” becomes a lifestyle).
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It increases reputation risk (complaints, review-bombing, or ugly word-of-mouth).
Cooperative mediation flips the incentives:
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Clarity first: one clean summary of the balance and what closes the file today.
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Controlled options: pay-in-full, short plan, or settlement—time-bound, not open-ended.
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Respectful firmness: deadlines without threats-for-sport.
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Litigation scrub: we screen for accounts that are riskier to pursue the wrong way, before escalation.
And to prevent rogue behavior: calls are recorded and randomly reviewed.
Note from the Account Reconciliation Team
We’re not trying to “win the call.” We’re trying to end the problem. We listen for the real blocker—wrong contact, missing PO, a scope dispute, cash-flow timing, embarrassment—and then we remove the blocker. When debtors feel they can pay without losing face, they usually do.
Red flag box: 3 Tupelo collection pitfalls that quietly kill recovery
1) The “Barnes Crossing bounce.” The billing contact changes, the invoice gets buried, and your team keeps emailing the wrong person.
2) The “I-22 excuse.” “We’re out of town, traveling, slammed” becomes a permanent delay loop unless someone sets a firm close-out date.
3) The “weekend-event reset.” You call Monday, they say “after the event,” and suddenly a month is gone.
Two recent recovery results (reputation-safe, realistic)
Medical recovery in Tupelo — $9,340 recovered (specialty clinic balance)
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Step 1: Verify + reach the right party. We validated contact details using address checks (USPS-based where available) and avoided wrong-person outreach.
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Step 2: Offer two clean paths. Pay-in-full vs. a short plan with firm dates and receipts.
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Step 3: Quiet follow-through. Consistent reminders (including text where appropriate) kept momentum. Account resolved without drama.
Business recovery in nearby New Albany — $15,760 recovered (B2B services invoice)
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Step 1: Turn the stall into specifics. “Waiting on approval” became: who approves, what’s missing, and when it closes.
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Step 2: Mediation framing. “Let’s close this vendor file before the next pay run.” Calm tone, firm deadline.
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Step 3: Escalation-ready after litigation scrub. Once screened as safe to press, a final date triggered payment.
Two $3K–$12K mini scenarios (fast, concrete)
Tupelo — $3,980 (contractor/trades)
A customer raises a late-stage complaint to stall payment. We acknowledge the concern, propose a small controlled resolution tied to immediate payment (or a short plan), and set a close-out deadline. Two installments later, file closed—no heat.
Nearby Pontotoc — $11,420 (B2B commercial / recurring service)
AP insists the invoice “never came through.” We verify delivery, resend once with a clean ledger summary, align the deadline with their pay cycle, and use one final reminder text (where appropriate). Paid the same week.
Industries we serve (tailored to Tupelo’s mix)
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Healthcare & Medical: 100% HIPAA-compliant recovery for hospitals and specialty clinics, with patient-sensitive language.
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Colleges & Universities: tuition fee recovery, housing balances, bursar accounts—firm tactics while preserving student relationships and institutional reputation.
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Dental: dental practices, orthodontics, and specialty offices with multi-visit treatment plans.
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Restoration / pool / contractors: work orders, change orders, insurance timing gaps, finished-but-unpaid jobs.
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K-12 Private & Charter Schools: unpaid enrollment fees and textbook costs, handled diplomatically for community trust.
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Accountants & CPA Firms: professional service fees and net-30 cycles, using professional mediation to protect client rapport.
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Banks & Credit Unions: delinquent consumer loans, overdrawn accounts, deficiency balances; lawful post-judgment options (including garnishment where permitted) for higher-risk portfolios.
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Construction & Trades: HVAC, electrical, and general contractors—structured recovery that keeps crews working.
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B2B Commercial / Waste Management: recurring invoices, route/service disputes, and documentation-driven recovery.
Practical laws summary (not legal advice)
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Federal baseline: FDCPA and CFPB Regulation F shape debt collection communications, including guardrails and procedures for modern channels like email/text (with clear opt-out methods when used).
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Mississippi time limits matter: many actions on open accounts / unwritten contracts commonly fall under a three-year period; other claims may also follow Mississippi’s general three-year limitation rule.
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Garnishment typically follows judgment, and Mississippi has wage protections (including a short exemption period after service) plus federal limits.
Operationally, we use USPS-based address checks (where available), skip tracing, and bankruptcy checks. Credit reporting can be used if you choose and if permitted for the account type and situation.
FAQs
Can you keep this discreet in Tupelo where reputation spreads fast?
Yes. Velvet Hammer outreach stays respectful and structured, and calls are recorded and randomly reviewed to reduce rogue behavior and review-bomb risk.
Will you text or email if phone calls aren’t working?
When appropriate and permitted, yes. Those channels often get faster responses than voicemail ping-pong.
Do you have Spanish-speaking collectors?
Yes. Bilingual outreach often reduces misunderstandings and speeds up resolution.