Wyandotte is a river city with a “small-town memory.” You can feel it on Biddle Avenue, at the Detroit River waterfront, and even in quick conversations that start as business and end as “Oh—I know your cousin.” That’s why collections here can’t be loud or sloppy. One wrong tone can travel faster than a freighter past Bishop Park.
When invoices go late, they don’t just hurt cash flow. They hijack your staff’s day—office managers, project leads, front desk teams—people hired to run the work, not chase it.
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 that makes early action easy
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Fixed-fee $15 (client keeps 100% of what’s collected)
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Contingency 20%–40% (no recovery, no fee)
We may also send email and text when appropriate. Involvement of a collection agency significantly improves recovery rate; the earlier you assign, the better recovery results are delivered, especially 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.
The River Current Rule: don’t fight—steer
On the Detroit River, you don’t win by yelling at the current. You win by steering. Collections are the same. Debtors rarely pay faster because you argue. They pay faster when the path feels clear, dignified, and unavoidable.
Your Account Reconciliation Concierges use Velvet Hammer—firm results, reputation-safe, empathetic:
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We tighten the facts (scope, approvals, delivery proof, invoice timeline).
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We find the right decision-maker (not the friendly inbox that forwards everything).
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We offer two clean options with dates—and follow through calmly.
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We run a litigation scrub to protect you from collecting debt from riskier people or situations that can boomerang.
Red flag box: 3 Wyandotte traps that quietly kill recovery
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“Downriver politeness” turns into delay. You wait because you don’t want friction in a connected community. Waiting teaches the debtor your terms are optional.
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The “resend it” hamster wheel. Debtors ask for the same invoice repeatedly because no one pins down a due date and payment method.
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Worksite details scattered everywhere. Change orders in text messages, approvals in email, completion proof in someone’s phone—perfect conditions for “We’re still reviewing.”
A note from the reconciliation team
We don’t try to “win the call.” We try to close the account without damaging your name. In Wyandotte, reputations ripple—at the hospital, at school events, at the waterfront, and across vendor networks tied to I-75 and Fort Street (M-85) routes. So we stay respectful, specific, and consistent. That’s the Velvet Hammer difference.
Recent recovery results
Medical recovery — $8,970 resolved without patient backlash
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Step 1: USPS address check + bankruptcy check. The account aged because statements weren’t landing after a move.
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Step 2: Concierge outreach focused on clarity (what insurance handled, what remained) plus two options: short plan or payoff window.
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Step 3: Patient chose autopay on a structured plan. Balance closed smoothly—no heated calls, no complaint trail.
Business recovery — $15,640 recovered while preserving the relationship
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Step 1: We rebuilt the documentation pack (authorization trail, completion confirmation, invoice timeline) and identified the true payables decision-maker.
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Step 2: Mediation call: one firm due date and two choices—pay in full by the deadline or a short plan aligned to their receivables cycle.
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Step 3: Partial payment arrived quickly; the remainder cleared via ACH on schedule.
Two $5K–$15K mini-scenarios (fast, concrete)
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$6,220 dental/ortho balance: Patient paused treatment and stopped responding. We used respectful reminders (including email/text where appropriate), offered two plan options, and closed the balance in two payments.
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$13,480 restoration invoice: A water-loss job finished, then the customer went quiet. We confirmed acceptance, set a simple payoff window with a backup plan, and resolved without drama or threats.
Industries we serve in Wyandotte and the Downriver corridor
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Healthcare & Medical: 100% HIPAA-compliant recovery for hospitals and specialty clinics, designed to preserve patient relationships (including major Downriver care hubs like Henry Ford Wyandotte Hospital).
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Colleges & Universities: Specializing in tuition fee recovery, housing balances, and bursar accounts. We balance firm collection tactics with the need to preserve student relationships and institutional reputation.
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Dental: Dental practices, orthodontics, specialty care—reputation-safe outreach that still closes balances.
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Restoration, pool, contractors: Restoration, pool, and contractor disputes handled diplomatically with documentation-first follow-through.
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K-12 Private & Charter Schools: Managing unpaid enrollment fees and textbook costs with a sensitive, diplomatic approach tailored to family relationships.
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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, overdrawn accounts, and deficiency balances. We utilize aggressive garnishment laws to secure repayment on high-risk portfolios.
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Construction & Trades: Revenue recovery for HVAC, electrical, and general contractors—keep crews producing, not chasing checks.
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B2B Commercial / Restoration / Waste Management: Structured follow-up, clean files, and escalation only when it’s the smartest move (especially for vendors serving industrial corridors like BASF’s North Works).
FAQs
We’re close to Detroit and DTW—does that change how you collect?
Yes. Fast-moving metro-area accounts often involve multiple departments and locations. We focus early on the right payables contact, clean documentation, and a firm payment path—so you don’t get bounced around.
Will this trigger negative reviews or community blowback?
We’re built to prevent that. Calls are recorded and randomly reviewed to prevent rogue collectors, and we keep the tone respectful while keeping the timeline firm.
Can you keep it amicable but still move stubborn accounts?
That’s the Velvet Hammer approach. Calm first, structured next, firmer later—always focused on resolution.
Practical laws & rules that shape collections (not legal advice)
Collections are guided by federal rules like the FDCPA (prohibits abusive, deceptive, and unfair practices) and the CFPB’s Regulation F (communication standards and boundaries), plus Michigan’s Regulation of Collection Practices (Act 70 of 1981). Operationally, we also use USPS address checks, skip tracing, and bankruptcy checks to reduce wasted effort and risk. Credit reporting can be used if you choose and if permitted, with accuracy and dispute handling handled properly under the FCRA.
If you’re done letting late payers drift you into the slow lane, hand the follow-up to a team that keeps things calm, documented, and decisive.