Collection Process

Fidelity prides itself on being a “full service” collection agency utilizing a variety of skip tracing and asset locating tools.  Our collection process strictly adheres to the guidelines set forth by the FDCPA

• Collection notices sent with applicable federal and state law language
• Credit Bureau reporting
• Calls generated by professionally trained collectors and a cloud-based IVR messaging system
• Our primary goal is to obtain payment in full via secured payment methods such as credit cards and checks by phone
• Payment arrangements secured only after proper negotiation and investigation steps have been taken
• Collector stations interfaced with skip tracing tools that provide additional leads or assets such as employment, updated addresses, real estate ownership, relatives, surnames and landlords
• Collection accounts scrubbed for Bankruptcy and Decease

Legal

Legal representation will be recommended based upon the proper court jurisdiction once all normal collection processes have been exhausted:

• Proper asset information such as employment and/or real estate is located and verified
• Key factors considered:  Time on job, wages, type of job and value of real estate
• Management reviews the debtor file to assure all proper collection steps have been completed
• The amount of court costs and balance of account is considered when weighing the value of recommending suit
• Request for litigation is submitted in writing to the client for approval