This is the typical procedure for a new collection client:

• Initial Meeting  -We sit down with you and review your contracts to make sure the contract maximizes your legal rights to recovery.

• Demand Letter – We send a letter to the debtor demanding payment.  If  the debtor responds to the letter, we work with you to see if you want to discount the debt and to set up a payment schedule.

• Lawsuit — If the debtor does not respond, we seek your permission to file a lawsuit. Once the suit is filed, we move quickly to obtain a judgment in your favor before trial. Although rare, if trial becomes necessary, we vigorously defend your right to collect payment.

• Judgment — A judgment gives us the opportunity to get the debtor’s attention. We attach liens on the debtor’s real estate and move to file wage garnishments to secure payment of the debt. These garnishments take money from the debtor’s bank account, paychecks and other sources of income. If we cannot locate a debtor’s place of employment, we can force the debtor to appear in court for a post-judgment deposition and testify about the debtor’s income and assets.