METHODS REFERRALS As indicated by the graph below, claims should be turned over for collection as soon as possible. ACKNOWLEDGMENTS A written acknowledgement will be sent verifying receipt of all claims turned over to our firm for collection. All acknowledgments will indicate the name, account number, amount, date received and total dollars to be collected. COLLECTING AN ACCOUNT A diligent attempt is always made to collect every claim. The predominant method for collecting any claim is the use of persuasive and motivating techniques over the phone by experienced collectors. Letters are only used as an adjunct to phone calls and all of our correspondence is customized. Any claim that cannot be collected by conventional methods, can be pursued by an attorney under our supervision. PAYMENT RESOURCES To facilitate payment, we accept credit/debit cards, process electronic bank transfer of funds, use Western Union, process payments through check by phone/ACH debits and pick up payments via Federal Express next day air, at our expense. SKIP TRACING & ASSET LOCATING We have a complete skip tracing and asset locating department. The facilities are constantly updated to pursue and keep up with the most sophisticated debtors. Resources are available through our membership with a multitude of skip tracing computer networks and nationwide reporting agencies. CREDIT REPORTING Since our computer is "on line" with the credit bureau, information can be obtained or reported on any debtor placed for collection.