Investors

Contingency-based collections agencies are inherently designed to collect on charged-off balances – a liquidation approach. Our approach is to create performing assets that will deliver cash flow by working with each borrower to entice them to make regular monthly payments. Our active portfolio management approach is proven to increase long-term cash flow and lower loss rates compared to a contingency approach.

We don’t replace the basic servicing functions of mailing statements, lock box processing, loan accounting, and standard customer service. We can handle everything else – including all communication with delinquent borrowers beginning at day one of delinquency. We’ve discovered this approach works best because it puts the key activities in the hands of our collections experts and it avoids the borrower confusion that comes with changing billing and payment instructions.