PERSISTENCE WEARS DOWN RESISTANCE!

DO YOU NEED TO MOVE ACCOUNTS FROM THE RED TO THE BLACK?

Every organization that extends credit faces the problem of overdue receivables.

Even your best efforts may not be enough to collect some accounts. This is the time when most companies seek the services of a professional collection agency.

Total Credit Recovery is a full service collection agency. We have offered solutions to our client's collection needs. We can help increase your company's bottom line.

The entire staff at Total Credit Recovery understands the most basic collection rule; the longer an account goes unpaid, the less likely it will ever get paid. We are always ready to listen and assist you with any collection problem you might have.

Total Credit Recovery offers four basic programs to our clients. These programs are offered individually or as complete collection strategies.

• Billing Service
• Pre Collection
• Demand Collection & Skip Tracing Service
• Tenant Screening

TOTAL CREDIT RECOVERY SPECIALIZES IN SERVICING OUR INDIVIDUAL CLIENT'S NEEDS BECAUSE NO TWO CLIENTS ARE ALIKE.

There is no substitute for experience. When you are a client of ours, we go the extra mile to service your accounts. We perform management audits at each step of collection process to assure maximum results on each account. We address your specific needs to bring you the highest return possible.

EXPERIENCED PROFESSIONALS YOU CAN COUNT ON.

At Total Credit Recovery you will work with a management and collection team of seasoned collection professionals. Everyone at Total Credit Recovery is trained to assist you with any problems you might have.

CONSISTENT COLLECTOR TRAINING.

At Total Credit Recovery we devote one hour a week to continued collector training, including; Fair Debt Collection Practices Act Training, skip-tracing techniques, the Psychology associated with debt collections, collection tactics and numerous related topics. This system keeps every collector in compliance with both State and Federal laws.

AUDITING YOUR ACCOUNTS.

We welcome visits to our office from clients, either announced or unannounced. We welcome your opinion on the quality of our work as this helps us resolve potential problems before they occur.

COMPUTER AUTOMATION.

We are very proud of the fact we created Total Credit Recovery software, Microsoft Windows New Technologies (NT) based. Our computer system allows us to accept data in almost any format.

AUTOMATIC NUMBER IDENTIFICATION.

We utilize Automatic Number Identification or ANI technology when we skip trace any debtor. This technology allows us to retrieve the telephone number of any person who calls. By using this valuable feature, we are able to locate phone numbers and assets that were never attainable prior to the existence of this technology.

WE OFFER A VARIETY OF REPORTS DESIGNED TO ASSIST OUR CLIENTS.

If your needs are diverse, as are most of our clients when it comes to reporting, we offer a variety of reports to assist you. We offer the following reports on a monthly basis to all clients.

• Acknowledgment Report
• Monthly Status Report
• Invoice Report

COMMUNICATION.

The key to successful collection is communication. Our collectors follow a regimented standard demand when they converse with a debtor. This demand allows them to gather important financial information simply by communicating with the debtor. After evaluating each account in this manner, we have the ability to secure the best possible arrangement for our clients. It is also very important for us to understand what you require of us when servicing your accounts. It is for that reason that Total Credit Recovery is fully trained to assist clients with any questions they might have. If you require anything at all, we are always available to assist you.

PRE COLLECTION.

We offer pre collection services to all clients. We can help even before your accounts charge off. This program enable you to utilize our personnel and services to cure your overdue accounts, allowing you to focus on less delinquent accounts.

YOUR ACCOUNTS WILL BE ACTIVATED WITHIN 24 HOUR OF PLACEMENT.

All accounts assigned to Total Credit Recovery are activated within 24 hours of receipt. The manner of first contact will always be a manual dial attempt. This allows our collection staff to probe for valuable information during the first contact with the debtor. A demand for the entire balance in full is always made upon first contact with the debtor. Our management team will give the demand after the collector has gathered all financial information pertaining to the debtor. If the debtor is unable to pay in full that day, our management team will advise the debtor on various avenues to secure the money. The debtor is advised to contact our office within 24 hours informing us of his or her ability to pay the balance in full. Our managers discuss the account with the debtor and then attempt to liquidate the debt. Our managers will always negotiate with the debtor to get the best possible arrangement for you.

SKIP TRACING SERVICES.

At Total Credit Recovery we strive to collect as many accounts as possible. Skip tracing is often necessary to effectively work an account. Once the debtor is located, we communicate to the debtor the importance of resolving the debt immediately. We utilize state of the art software; CD ROM technology, Automatic Number Identification, on-line credit reports, and a myriad of other tools to locate skip accounts.

WE COMPLY WITH YOUR WORK STANDARDS.

Whatever your work requirements may be, we will meet or exceed them. We work every account placed with our office in an efficient and determined manner. Our management team reviews every account through each step of collection process. By working every account in this manner, we have been able to create a collection strategy that is second to none.

HOW YOU BENEFIT BY USING OUR COLLECTION SERVICES.

Total Credit Recovery offers unique, comprehensive collection programs that effectively reduce your bad debt. Our attention to detail and our experience give us an advantage over our competitors.

WHEN YOU WORK WITH US YOU GET RESULTS.

We sincerely wish to be your next choice to assist you with your collection needs. We offer our clients the very best service we can provide. You can count on Total Credit Recovery to deliver outstanding service and results. If you have any questions or comments, please feel free to contact our office to discuss your specific situation.