State-of-the-art Flexible Automated Collection System (FACS) with Guaranteed Contacts, the power phone dialer, providing the most efficient and effective collection system in the industry.

Collectors work each account for up to seven years.

Collectors comply with the standards set forth in the Fair Debt Collection Practices Act.

Sophisticated systems and skip-trace techniques help locate debtors.

Delinquencies are reported to the three major credit reporting systems: TRW, TU and Equifax.

Computerized reports notify you of all account activity and results.

Legal services are available upon your authorization.

Payment arrangements are calculated to be consistent with federal regulations and debtor's financial ability to pay.

Promises-to-pay are monitored for follow-up to ensure a regular payment schedule.