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ACSI places special emphasis on telephone contact because it generates the highest recovery rates. All collectors strictly follow guidelines for telephone contact as regulated by The Fair Debt Collection Practices Act.

On the same day an account is received and loaded on our system, we generate the first collection notice including the required validation statement for each debtor. The next business day contact by phone is initiated. When contact is achieved, a commitment is obtained and verified. When a commitment is withheld, professional persistence is a major key in successful recovery.

However, sometimes debtors are hiding from their creditors, or "On the run", as some might say. In the event that an account is unable to be collected for this reason, we have trained skip tracers who have access to on-line search utilities, city crisscross directories, credit bureau files, public record archives and several other means to assist in their location.

In the event the above scheduled collection procedures do not produce the desired results, the account is evaluated to determine the cost and benefits of litigation. Our legal staff closely monitors the performance of select attorneys for accuracy and proficiency.

While our efforts revolve around telephone contact, our collection efforts are supplemented by a series of well developed letters. If necessary, ACSI has the ability to create customized letters to meet the needs of our clients.