Cutting-Edge Collection Solutions

Skiptracing

Skiptracing is an essential technique for finding missing consumers. Our experienced staff have numerous resources and tools available to facilitate this process. Our Account Representatives will attempt to contact friends, relatives, neighbors and previous employers for location information. They have access to several online resources for property and vehicle ownership, public records and address history. All of this is done without an increase in rates!

Credit Reporting

Express Collections allows clients the option of reporting their delinquent accounts to the credit bureau at no additional charge. For those consumers that are concerned about their “credit reputation,” placing an account on their credit report may prompt a faster resolution. A consumer’s credit report will follow them wherever they relocate.

Legal Action

Should the consumer refuse to make adequate payment arrangements, Express Collections will complete an asset investigation to determine if pursuing further legal action would be beneficial. Once an asset investigation is complete, an authorization form is sent to the client allowing us to proceed with legal action.

If a judgment is obtained, further steps may be taken to enforce the judgment. An execution may be issued to a county sheriff’s office to levy any non-exempt property. A judgment also allows our office to issue a wage or bank garnishment. Judgments may be able to be transcribed to different states if your consumer moves.

Online Account Access

As a client of Express Collections, you will have full access to Client Access Web, an interactive web portal that does more than just let you view your accounts.

Our Clients can login through a secure server and have access to statistical reports such as: Listing Reports, Debtor Status Reports and Cancellation Reports.

Client Access Web can also be used to: place accounts for collection, report payments, update consumer information, upload documents, and send secure emails.

Rates

X-Press Demand – Free

Optional Free 14 or 30 day Demand Program – Any payments received during the Demand Program are credited at no charge.

*Some restrictions may apply.

Direct Action Collections – 35%

• Payment Negotiation & Dispute Resolution
• Access to Client Access Web & Paystream
• Skiptracing
• Text / E-Mail / Online Chat
• Credit Reporting (Optional)

Legal Action – 45%

• Small Claims / Circuit Court
• Garnishments / Bank Levy
• Executions
• Express pays legal fees (*some restrictions apply)

High Risk – 55%

High Risk Collections consist of accounts owed by individuals that may be difficult to locate or collect from based on economic situations. Illegal aliens, H-2B VISA employees, individuals with certain disabilities or that have a criminal record are examples of high-risk collection accounts.  This rate would only apply if 75% or more of the accounts placed for collections fell into this category.

Custom Rate Plans

Express Collections is dedicated to finding the best solution for your business! We can build a collection program and rate structure to fit your company’s needs and expectations. Contact us today!