1. The account is entered into our computer system. Once entered, progress information is accessible to our clients via the internet. Demographic data is verified and debtor’s employment and / or assets are identified.
2. A letter is sent to the debtor requesting that he pay the debt or dispute it.
3. The debtor is contacted by telephone. He is encouraged to settle the matter in full or to enter into an installment plan.
4. If the foregoing efforts are unsuccessful, we will contact the client to determine whether a lawsuit should be filed.
5. If litigation is commenced, attorneys will attend all court dates. Client will only be required to attend when testimony is required, which is rare.
6. Once a judgment is entered, enforcement action is commenced including wage garnishment, bank account garnishment and home liens.

Our fees are contingent upon successful collection. If we don’t collect, you pay no fee. If we do collect, the fee is a percentage of the amount collected. The percentage varies, depending on the accounts collectibility, the dollar amount, and the volume of accounts referred. While fees are negotiable, the typical fees structure is as follows: 

• 20% on matters handled without litigation and aged less that 60 days.
• 25% on all matters handled without litigation and aged more that 60 days.
• 33.3% on all matters which are litigated. The client must advance court costs.

What is the chance of successful collection?

Our success rate varies, depending on factors listed below. However, as experienced collectors and attorneys, we are more likely to be successful than others. Factors which increase the odds of collection success are:

• The debt is very recent.
• Debtor has identifiable employment, home ownership, and good credit history.
• In the case of medical collections, the existence of third party liability, such as insurance or personal injury cases.
• Debts of less than $20,000.00.

Factors which decrease the odds of collection are:

• The debt is old.
• The debtor is a small corporation or self employed person.
• Debtors who are eligible to file bankruptcy .
• Very large debts.

How quickly will collection occur?

Some debts are collected in a week and others are never collected. Usually, if a collection is going to be successful, revenue will begin to be collected between one to six months.

What will the client be required to do?

Our clients are required to provide documentation of the debt and detailed information of the debtor such as social security number, bank account information, employment information, insurance, etc.

Are clients required to attend court?

Our clients are rarely required to attend court proceedings. However, you will be consulted from time to time by telephone to review settlement offers or provide additional information.

How do we disburse your money?

All money collected is deposited into our client trust account. After we are certain that the debtor's payment has cleared, the money is disbursed to you and we retain our fee.