In the heart of the “Texas Triangle,” cash flow is the lifeblood that fuels growth from the industrial parks of Robinson to the thriving clinics surrounding Baylor University. For a medical center in Waco or a manufacturing firm in the Texas Central Park, an unpaid invoice is a disruption to a high-velocity economy now defined by massive industrial investments and an expanding healthcare workforce. As current Texas legislation—including SB 490 (Mandatory Medical Billing Transparency) and the September 2025 updates to SB 1784 (the 60-day medical debt notice rule)—rewrites the rules of recovery, you need a partner who understands the local landscape. Nexa provides Waco’s enterprises with a sophisticated, legally-fortified recovery strategy that protects your brand while ensuring your revenue remains liquid.
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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Performance-Driven Recovery Models
We offer two distinct, high-ROI paths to recovery to fit the specific needs of Central Texas businesses, ensuring the $15 Fixed Fee vs. Contingency pricing is always clear:
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Fixed Fee Service ($15): The ultimate “first-party” 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 “No Recovery, No Fee” model. We take the full risk—from skip-tracing to professional mediation. If we don’t collect, you don’t pay.
Industries We Serve in the Heart of Texas
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Healthcare & Medical: 100% HIPAA-compliant recovery for hospitals and specialty clinics. We navigate the current 60-day notice requirements and itemized billing laws, ensuring your practice stays compliant while reclaiming patient balances.
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Manufacturing & Logistics: B2B recovery for the industrial suppliers and freight brokers anchoring the Texas Central Park and Robinson Business Park.
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Colleges & Universities: Specializing in tuition fee recovery and housing balances for institutions like Baylor University, McLennan Community College, and TSTC.
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Construction & Trades: Revenue recovery for HVAC, electrical, and general contractors. We also specialize in Restoration, Pool, and specialized trade disputes.
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Dental: Specialized recovery for dental practices and orthodontics where patient trust and community reputation are paramount.
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Accountants & CPA Firms: Recovery of professional service fees. We understand the “Net-30” billing cycle and use professional mediation to ensure you get paid without damaging client rapport.
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Banks & Credit Unions: Expert handling of delinquent consumer loans and overdrawn accounts using current Texas garnishment and levy protocols.
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K-12 Private & Charter Schools: Managing unpaid enrollment fees with a sensitive, diplomatic approach.
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B2B Commercial: Specialized recovery for restoration, waste management, and industrial service providers.
Texas Debt Collection: Current Legal Summary
Navigating recovery in the Lone Star State requires surgical precision under Texas Finance Code Chapter 392 and the newest 2025/2026 mandates.
| Feature | Current Texas Regulation |
| Medical Notice Rule | SB 1784 (Effective Sept 2025) requires a 60-day written notice before any medical debt collection starts. |
| Billing Transparency | Hospitals/providers must provide itemized invoices before sending accounts to collections. |
| Wage Garnishment | Prohibited for consumer and B2B debt (only allowed for taxes, child support, and student loans). |
| Bank Account Levies | Highly Effective. Once funds are deposited in a bank, they can be seized via a court-ordered writ of garnishment. |
Recent Recovery Results
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Medical Specialty Recovery: A Waco-based orthopedic clinic was owed $6,800 on an account 180 days past due. Using our diplomatic mediation and current Texas transparency protocols, we secured 100% principal recovery within 19 days.
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B2B Restoration Recovery: A local restoration contractor was owed $13,450 for a commercial project. Nexa’s B2B team located secondary corporate assets and secured a full settlement within 30 days.
Frequently Asked Questions (FAQ)
1. If Texas doesn’t allow wage garnishment, how can Nexa get my money back?
While “current wages” are protected, bank accounts are not. Once a paycheck is deposited, it becomes an asset that can be targeted through a bank levy. We use advanced skip-tracing to identify where debtors are banking and utilize post-judgment garnishment to secure your funds.
2. How do you handle the new medical debt credit reporting ban?
Since medical debt under $500 is being removed from credit reports, traditional “credit dings” are less effective. Nexa focuses on Early Intervention and Professional Mediation—strategies that prioritize voluntary payment plans before the debt becomes “stale.”
3. Is Nexa HIPAA compliant for my medical practice?
Absolutely. Every step of our process—from data intake to secure debtor portals—is 100% HIPAA-compliant. We protect your patients’ privacy as diligently as we protect your revenue.