First...
Accounts received for collection are entered into the computer and the client acknowledgement is generated. At the same time the first notice is automatically sent, and the account forwarded to the collector for telephone contact. We immediately attempt to establish verbal contact with the guarantor with the purpose of securing the balance which is due.

Then...
Telephone calls are made and notices sent on all accounts regardless of dollar amount. A large volume of small dollar collections add up to a large dollar return to our client.

Finally...
In instances where no contact is made verbally, our collectors are continually reviewing the file, attempting to make contact at work, with relatives, or leaving messages with neighbors. Notices are still being sent out in sequence to at least maintain written contact with the guarantor. If there is no response, or a debtor flatly refuses to pay, we then accumulate all the information which helps us to decide if it is in your best interests to initiate legal action. At this point, all efforts to collect the debt have been exhausted, and we would then recommend utilizing our attorneys.

Note...
Obviously, not all accounts are collectible. In fulfilling our entire service to you, accounts which are determined to be totally uncollectible are reviewed and we then notify you these accounts are being closed and returned for your final disposition.