• Over eighty years in the industry and still growing comes from providing superior customer service and excellent "net-back" to our growing list of clients.
• Our collectors are among the best in the industry and are trained to be in complete compliance with the "Fair Debt Collection Practices Act".
• We provide state-of -the-art computer, software and telephone systems including an outbound predictive auto dialer.
• Remote Client Access
• Account Collectability Scoring
• Electronic Remittance
• On-Line Payment Options
• Our Voice Information Center allows consumers to call in and make payment arrangements 24 hours a day, 7 days a week based on pre-set parameters. 
• Custom reports available on-line or hand delivered.
• Licensed, bonded and in good standing with the states of Washington and Idaho. We are able to collect world wide.

Active Members:

The following information is intended to help you understand our contract and how we operate as your collection agency.  

Ø      Client may turn over any account that is considered delinquent, meaning that the consumer has received one statement and had a minimum of 30 days to pay. There are no other requirements unless you have company policy regarding when you turn over your accounts.

Ø      The minimum dollar amount accepted for collection is 25.00 with no maximum.

Ø      For the best return, accounts should be listed within 180 days from last date of service.

Ø      The statute of limitations in Idaho is four years with a verbal agreement and five years with a signed agreement meaning that we can only collect on an account for four or five years respectively, from last activity, including payments made on the account in which case the clock starts over.

Ø      The statute of limitations in Washington is 6 years with a signed agreement, and three years on referral accounts.

Ø      When turning over an account for collection, you will need to provide collector with a copy of the itemized statement from a zero balance forward showing date (s) of service and charges, clearly indicating the full amount referred.

Ø      Collector should be provided with good demographics including as much of the following information as possible. Name, current address, phone number, social security number, last date of service, place of employment, name of spouse and spouses employment including employment phone numbers, next of kin, person( s) to call in case of emergency, occupations, patient name (s) if not the guarantor, signed agreements with consumer accepting responsibility for the account, references and any other information that will help locate the guarantor and collect the debt.

Ø      If you have an account with a bad address, please give use the last known address and mark it mail returned so that we can skip trace the account.

Ø      We have state-of-the-art skip tracing methods in place including Internet data bases and our own data base to help locate consumers.

Ø      We use “account scoring” to give us much needed information on consumers and their finances. This information helps us collect accounts more effectively.

Ø      The earlier an account is referred and the better the information, the better the recovery.

Ø      Once an account has been turned over to collector for collection, and the first notice has been sent out, agency is entitled to their commission.

Ø      All direct payments of any kind must be reported to the collector immediately so that proper credit can be given to the consumer and contracted commission can be paid to the collector.

Ø      Collector will report all accounts over 25.00 on the consumer’s credit report if not paid within 30 days of referral.

Ø      Once an account has been turned over to collector, creditor agrees not to work the account any longer, as this is a violation of the Fair Debt Collection Practices Act. Creditor must refer questions from the consumer directly to the collector once it has been listed. If you receive a payment on an account previously listed with us, please forward the payment for us to post to the account and you will receive your portion of the payment with your next end-of-month statement. Please do not hesitate to call with any questions regarding direct payments.

Ø      Our statements are run on the last working day of every month and the statement and any remittance will be provided to the client by the fifteenth day of the following month.

Ø      If, after the account has been turned over to the collector, the guarantor discovers that they have insurance that can be billed, contact collector and request the account be placed on hold until you receive the Explanation of Benefits and notify collector of any unpaid balance that needs to be collected.

Ø      Once an account is entered into our system the first notice is mailed to the consumer. After the thirty day validation period, collector will make phone calls and letters on behalf of the client requesting payment in full. Acceptable payment arrangements will be accepted. As payments come in, clients will receive their portion at the end of each month per contract.

Ø      We use a predictive auto-dialer to maximize contact with consumers.

Ø      All contacts with the consumer are documented in the account history.

Ø      If a consumer disputes an account in writing, we will request that you confirm the debt in writing within a 10 day window so that we may comply with the Fair Debt Collection Practices Act.

Ø      If after all other efforts are exhausted, collector may at its discretion, take legal action to collect accounts. At this point collector will send out a request for itemized statements and assignments from the client. This is simply a request for your permission to proceed and should be returned as quickly as possible to allow the collector to collect the debt through the legal process. Note that all suits are filed in our name rather than the name of the provider.

Ø      Accounts form different providers may be lumped together and legal action taken on the total amount past-due.

Ø      All notices of bankruptcy on consumers should be reported to collector as soon as possible to prevent violation of the automatic stay.

Ø      Electronic listing and Internet access to your accounts including reports are available on-line and save you time and resources.

Ø      In some cases we may be able to send your remittance to you electronically.

Ø      Reports are available upon request.

 Thank you for your attention to the above items that will help us provide the best results possible. Please do not hesitate to contact us with any questions.

In Washington Call: 800-876-2328

In Idaho Call: 800-594-9866

This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for this purpose.