The following phases are for Commercial Accounts only, and they serve as guidelines to how we start the collection process on a Past Due Bill or a NSF Check. When placing a claim you can choose how we start the collection process.
PHASE 1: Soft Approach Phone calls and Demand letters are made to the debtor. We make the debtor aware there’s a collection problem and that a third party is now involved. In many cases this approach is all that is needed to get this matter resolved.
PHASE 2: Strong Approach Phone calls and Demand letters are made to the debtor. We make the debtor aware that serious action will be taken if the debt is not retired right away. There will be a sense of urgency in getting this account promptly paid.
PHASE 3: Action Approach Phone calls and special correspondence will be sent to the debtor. We will let the debtor know we have legal representation in the debtor’s area and are prepared to forward to the attorney if they refuse to respond.
PHASE 4: Attorney Approach We have a collection Attorney in the debtor’s area call and make demands to assist in debt recovery in attempt to collect prior to litigation. We also name our Attorney used in our letter.
PHASE 5: Litigation If all of the above efforts are exhausted, we will consult with you to see if it would be in your best interest to sue the debtor. If suit is appropriate, our attorney will submit suit requirements for your approval. (We never send any account to an attorney without getting your consent.)
