Early-out programs.

Debtor demand letters.

Systematic follow-up calls and correspondence to debtors.

Auto-Pay pre-authorized check printing system gives us an effective, secure and rapid method to accept check payments over the phone--usually within minutes.

Verification of key debtor information including home address, telephone number and place of employment.

Automated and conventional methods of skip-tracing including on-line inquiry and access to major credit bureau files, CD-ROM database review, postal verifications, aggressive nearby and tax assessor contact efforts and continued cross referencing of existing files.

Asset search and location through review of available client documentation, debtor interaction and third party contacts.

Sensitive review of disputed accounts.

Ongoing management audits of collector portfolios to assure compliance with performance standards and guidelines.