Our policies provide clear guidance on how our collection business must be conducted, including communication with with our clients and their customers, privacy and confidentiality of information, computer security, payment process, reporting, file management, work-plan compliance, training, performance measurement and complaints.

Our ultimate goal is to have your customer pay in full immediately. If, however, the customer is unable to pay in full due to his/her financial situation, we will negotiate a realistic time frame for payment to finalize the file as quickly as possible.

Acting in a problem solving capacity, collection agents explore possible sources of financial resources by suggesting:

• Savings
• Payroll Advance
• Loan Consolidation
• Credit Cards
• Friends/Family
• GIC's/RRSP's
• Life Insurance

Based on information gathered, the collection agent will determine your customer's ability to pay by obtaining the conformation of assets including bank account details, employers name, and salary. Past experience has revealed it becomes difficult for a customer to withdraw from a commitment once all this information has been obtained.

If the collector is unsuccessful in obtaining a commitment to pay from the customer, then the file is referred to a peer for a double call. This escalation process is successful in situations where the customer has the ability to pay but is not co-operative.