Results Driven Collections - Capital Accounts

1 Results Driven CollectionsCredit Reporting Activity Reports At No Charge High Level Communications Zero Financial Risk Customized Programs Highly Motivated CollectorsAdvanced Skip TracingSystems Litigation When Necessary Spanish Language Box 140065 Nashville, TN 37214 Tel: 800-282-3214 Fax: Results Driven ApproachCapital Accounts has taken a Results Driven and innovativeapproach to Collections through the development of a pro-priety collection platform with leading edge technologyand business processes. Our platform is the foundation forhigh levels of recovery and attentive customer service. Weconsistently recover a higher percentage of our client s baddebt because we take the time to develop a collection pro-gram specific to our clients OperateUpon receipt, Accounts are entered into our informationsystem and immediately sent to our Collections depart-ment.

2 That day, an immediate notice is sent to the debtordemanding payment in full. Within 24 hours our experi-enced collectors begin making telephone contact in orderto expedite collection team is scheduled to take advantage of thefull day s Prime Time hours of 8:00 to 9:00 ,weekdays, and 8:00 to noon on Saturdays in all zones. This maximizes the opportunity in makingcontact with contact is made, and acceptable financial arrange-ments are set, our work does not stop. Collectors contin-uously monitor the Accounts to assure adherence with thefinancial arrangements. In situations where debtor phonenumbers and addresses are unknown or invalid, our skiptracing methods are utilized. These methods result in ahigher rate of track downs, with resultant greater appropriate, Capital Accounts will leverage its net-work of attorneys throughout the United States to pursuelitigation.

3 If litigation is recommended, your authoriza-tion will be obtained prior to any Capital Accounts , we place a premium on customergoodwill. Our collection efforts are diligent, firm, and collection efforts are conducted in strict compliancewith the Fair Debt collection Practices Act of a t e - o f - t h e - a rt technology features sophis-ticated phone and information systems. Credit reporting on all Accounts not paidin full within 30 programs customized for eachindividual financial risk. Fees are incurred onlyupon on and informational reporting isprovided at no service is a core value withinour have an experienced and highly moti-vated collection team. Schedules are main-tained to take advantage of the full dayand weekends as appropriate in order tomaximize skip tracing services to locateindividuals who have relocated or arebeing Service CollectionsUtilizing Capital Accounts allows you to free resourcesand focus on your core business.

4 Our expertise allows formore than simply cutting costs, it is about increasing busi-ness value for your standard collection services are provided on a contin-gency basis. Fees are only incurred when payments are col-lected. Service features include: letters, phone calls, skiptracing, credit reporting, and litigation when your service or purchase agreement calls for interest andcollection charges, the option to apply those charges to thedebtor s balance is the most basic level, a flat fee letter series is Accounts proven letter series allows our customersto generate greater Collections at reduced cost. We can alsodevelop a series of letters exclusively for your have the opportunity to benefit from our assistancein the implementation of a responsibility to pay policy thatwill allow for the transfer of collection fees to the language services are available at no And ReportsAt Capital Accounts , we believe communication is essen-tial in maintaining a good working relationship with ourclients.

5 Service calls are provided on a monthly are generated monthly, including acknowledg-ments of Accounts received, monthly activity statements,and progress reports on all Accounts listings are sent to confirm the receipt ofplacements. This is a listing of Accounts placed on thatday, including the account number, name, and statements are sent to your office on a monthlybasis. They are generated on the 15th of each month, andinclude all payments received on your Accounts for theprevious month. A check for the net amount collected byCapital Accounts is enclosed with your reports compile a complete listing of all accountsplaced with Capital Accounts by your office. The progressreports reflect payments made, current balances, informa-tion of payment commitments, the number of phone callsmade, and the number of letters sent.

6 These reports alsoinclude a description of the current status of Accounts . our Box 140065 Nashville, TN 37214 Tel: 800-282-3214 Fax: Service Across The United StatesResults Driven CollectionsWhy use Capital Accounts ? Capital Accounts is dedicated to serving your col-lection needs to the fullest extent possible. We pos-sess an unparalleled proprietary collection platformthat allows us to achieve a higher rate of recoverythan the industry average. This positively affectsyour bottom am currently using another company for mycollection needs, why should I switch to CapitalAccounts?We believe that our processes are superior to that ofother service providers. We ask that you reevaluatethe performance and quality of your curre n you do not believe our re c ove ry rateand customer service is an improvement, you areunder no obligation to continue with Capital Accounts is selecting a part n e r,not just a prov i d e Accounts is a nationwide serv i c eprovider, what additional benefits are available?

7 As a nationwide provider, we have more resourcesto expedite recovery. In fact, as a nationwideprovider, Capital Accounts has the ability to pursuedebtors that have left your home Capital Accounts conduct skip tracing?Yes. Skip tracing refers to the process of locatingindividuals whom have relocated or are being eva-sive. Capital Accounts employs the best informa-tion services and technology available in order tolocate debtors and recover their there credit reporting?Yes. Debts are reported to three national bureauswithin 30 days of placement if the balance has notbeen paid in full. Reported balances remain on anindividual s credit report for 7 years from the lastdate the debt went Capital Accounts conduct the paymentprocessing, and who are the debtors instructedto pay?

8 Yes. Debtors are instructed to make payments toCapital Accounts . We accept payments in the formof all major credit cards, checks, money orders, andwire transfers. We process payments via mail,phone, and facsimile. At times, payments will bemade directly to your business. When this occurs,simply phone Capital Accounts in order to recordthe necessary adjustments. What customer service and re p o rting will I re c e i ve ?Customer service is a core value at CapitalAccounts. A service representative is assigned toyour business. The representative monitors theprogress of your placements and is available for anyassistance n t h l y, your business willre c e i ve three re p o rts providing updates and newinformation pertaining to your delinquent re p o rts cover activity, account status, payment,commitments, and new account Capital Accounts pursue legal action?

9 Yes. We conduct legal action when necessary. Attimes, legal action may be the only viable means ofrecovery. In these circumstances, we utilize ournationwide network of attorneys in order to pursuelitigation and recover the debt. Litigation will notproceed without prior customer there contracts? are confident in our services and do notbelieve that a contractual obligation is necessary toretain customers. In fact, we believe your experi-ence with Capital Accounts will be so beneficial,you will refer us to others as you offer different approaches to Collections ?Our collection programs are completely customiz-able to your business. We can take differe n ta p p roaches for different circumstances. Pl e a s espeak with a service representative for additionalinformation regarding customized Capital Accounts HIPAA compliant?

10 Healthcare Collections are fully HIPAA are highly governed with re g a rd to re g u l a t i o n sand privacy laws and abide by all necessary rules ofc o n d u c t . Capital Accounts is also fully compliantwith the Fair Debt Collections Practices Act of are fees structured?We work strictly on a contingency basis. There areno monthly or startup fees. Our fees are basedupon payments only. Please speak with a servicerepresentative for additional information regardingfee do I get started?Be not complacent. Time is the most critical factorin debt recovery. Get started with Capital Accountsby calling or e-mailing our service department anda representative can provide your business with thenecessary information to start reducing your delin-quent balances today!