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Automated Collection Systems

Automated Collection System CSD currently uses the fully automated cardless (FACS) collection system marketed by Ontario Systems Corporation. FACS is capable of providing virtually any information, storage and reporting requirement related to the process of collecting past due accounts. Some of the special features available with FACS are: Automated “Cardless” system enables collectors to spend their time collecting. Report Writer reports allows development of reports to fill client needs. User-Defined Codes and Parameters - allows each client’s accounts to be handled differently based on separate guidelines. On-Line Help minimizes training and increases collector productivity. Automatic Prioritization of Accounts - allows management prioritization of accounts. Letter Series allows customized letters Automatic Account Multiple combines multiple accounts for a single debtor. Allows collectors Opportunity to discuss all collections. Staffing Collection personnel at RMA are professional, efficient and well trained, providing excellent results. The supervisory staff has extensive experience in collections,systems operations, sales, public relations and other business operations and are certified in collection techniques and the Fair Debt Collection Practices Act (FDCPA). Each staff collector has been professionally trained to work the Ontario Systems software and refer to and abide by the rules and regulations found in the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA).These staff members continue to receive training through various seminars and educational classes conducted by Associated Credit Bureaus (ACB). Scheduling The collection staff at CSD maintains work hours from 8 AM - 7 PM and sometimes even 8 PM two nights a week (scheduled to change). One feature of the FACS system is defining contact codes. CSD uses this feature in monitoring times when contact with debtors is at its highest. This data is reviewed and staff schedules written to insure that the majority of our man hours are spent during those times when the potential to contact debtors is the greatest. This necessitates collectors working split shifts; however, this practice has proven very successful.