Nova Collect is an AI-powered, healthcare-focused patient account resolution company that supports medical and dental providers through provider-branded early-stage servicing and, where appropriate, licensed third-party debt collection.

Our services are limited to activities permitted under applicable federal and state law. Nova Collect is not a healthcare provider, billing company, insurer, or law firm

Nova Collect operates under documented compliance policies, procedures, and system controls designed to align with the Fair Debt Collection Practices Act (FDCPA), CFPB Regulation F, and applicable state law.

Our workflows include required disclosures, validation notice delivery, lawful dispute handling, communication timing and frequency controls, and enforcement of cease-communication and limited-contact requests. Credit reporting and statute-of-limitations issues are handled conservatively and only where legally permitted and provider-approved.

Early-stage account servicing programs are structured to remain below federal call-frequency presumptions, with activity adjusted based on account status, consumer response, and legal requirements.

Our approach is designed to reduce friction and protect provider reputation. We emphasize respectful communication, clear explanations, lawful outreach practices, and consideration of payment arrangements where appropriate and authorized.

While any outreach regarding outstanding balances carries some sensitivity, our model prioritizes professionalism, transparency, and compliance to help providers resolve balances without unnecessary strain on patient relationships.

Revenue Optimization is a provider-authorized, non-collection account servicing program for accounts approximately 60–120 days past due. It focuses on voluntary balance resolution through provider-branded communication, clear payment pathways, and patient-friendly outreach prior to any collection referral, helping accelerate cash flow while preserving the provider–patient relationship.

Recovery Enforcement applies to accounts that remain unresolved after early-out servicing and consists of licensed third-party debt collection conducted under Nova Collect’s name in accordance with the FDCPA, CFPB Regulation F, and applicable state law, including required disclosures, validation notices, and consumer rights protections.

All services operate within defined legal, regulatory, and consumer protection requirements, with a clear separation between early-out servicing and debt collection activity

Yes. Providers retain control over which accounts are placed, placement timing, recall decisions, settlement parameters, and whether optional actions—such as credit reporting where legally permitted—are authorized.

Nova Collect operates strictly within the scope of provider authorization and applicable law.

Nova Collect does not provide medical, dental, insurance, or billing advice; make coverage or clinical determinations; provide legal advice or legal representation; guarantee recovery outcomes; or engage in prohibited or extraordinary collection actions.

Our services are limited to lawful account servicing and, where applicable, licensed medical and dental debt collection activities authorized by the provider.