FAQs - Clients

Why do I need a collection agency?

Several factors (mostly pertaining to psychology) are advantageous in relation to using a collection agency. Most times, a person in debt will cooperate with the collection agency when they have not been so cooperative with the creditor. This is because they get the sense more people are getting involved and they understand that collection agencies may affect their credit history.

When is the best time to turn an account over for collection?

Creditors often ask when they should place an account with a collection agency. Generally, if an account is 120 days delinquent (90 days after the invoice date), a creditor should initiate placement with a collection agency particularly if no response has been received from the customer. The sooner you can place your account for collection, the higher chance of it being recovered.

How do I submit a claim for collections?

Creditors can submit accounts for collection in a number of ways. The easiest way is to use our online client access option and submit your accounts electronically. 

What forms of communication do you use to collect?

We contact debtors with a variety of letter and live phone calls during the daytime, evening and Saturday mornings. We attempt to contact the home, work and cell phone if available.

How can I check the status of my accounts?

Creditors can check the status of their accounts by calling our office and speaking with a client services representative or by using our online client access to view their accounts.

Do you place accounts with the credit bureaus?

With the client’s permission, we do report the accounts to the three national credit bureaus: TransUnion, Experian, and Equifax , as long as the accounts meet the requirements. The account remains on the credit report for seven years from the date of delinquency unless it is negotiated otherwise.