Rickart Collection Systems Inc.

R.C.S. Methodology

Collecting the Account with R.C.S.

In most cases, it takes more than one call to collect an account. So we diligently apply the R.C.S. methodology -- Research, Call, and Schedule each account to achieve payment in full. The debtor is contacted as often as necessary to secure payment, and each call is handled with the dignity and consideration of the initial contact. When circumstances warrant, we make provision for installment arrangements. The decision to pursue litigation is always at the client's discretion.

We know that success depends on having the finest professional talent and the highest performance standards. Our thorough training program and constant monitoring of collection activities ensure that all personnel meet Rickart standards, as well as those set by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).

Productivity, Philosophy, and Fees.

spirit of service
Rickart has gained success because we recognize and meet our clients' specific needs. What's more, we've earned respect in our field because we consider dedication, and a strong code of ethics, essential in maintaining a good working relationship with our clients.

Collecting is a serious business. There are no miracles, just plain hard work by experienced people who understand this industry and are willing to give what it takes to achieve success in a professional and ethical manner.

Our fees are competitive -- no collections, no charge. The result: a higher net return for our clients.

We pledge performance which will merit continued confidence. It's your money. You worked hard to earn it. We'll work hard to collect it.

Computerized Collection Management

You can be confident that the accounts you place with us will be collected with maximum efficiency. Rickart uses FACS, the most advanced collection system available. And we are committed to maintaining our hardware and software at the highest level of technology.

Our streamlined management techniques are based upon proven collection principles that focus on the quickest method to recover your past-due accounts. Because truly, in the collection business, "time is money."

Technology and Services

Automated collection software
Immediate modification and application programs
Client on-line access to accounts
Automatic matching of multiple accounts
New accounts accepted via tape, disk, telecommunications, e-mail, or hard copy
Automatic daily back-up for data security
Daily updated interest on contractual accounts

Comprehensive Reports

You are kept informed about the status of your accounts with these standard reports. Additional client defined reports and report writer customized reports are available upon request.

ACKNOWLEDGMENT - Confirms placements and accuracy. Lists by debtor, account number, and balance.

PROGRESS/INVENTORY REPORT - Lists all active/inactive accounts, placement date, original balance, payments, current balance, calls/letters, and status.

MONTH/BATCH ANALYSIS - Displays listed accounts, adjustments, recalled/returned accounts, settled/paid-in-full accounts, collections, collection fees, average age of accounts, and recovery percentage by month and on a cumulative basis.

CLIENT STATEMENT - Indicates who paid, how much, agency fee, current balance. Separate statements available: Direct Payments, NSF Payments, Court Costs.

RETURNED ACCOUNT REPORT - Notifies you of accounts that have been canceled from our system.

© Rickart Collection Systems, Incorporated. Unauthorized use prohibited.

	R.C.S. Methodology

Collecting the Account with R.C.S. In most cases, it takes more than one call to collect an account. So we diligently apply the R.C.S. methodology -- Research, Call, and Schedule each account to achieve payment in full. The debtor is contacted as often as necessary to secure payment, and each call is handled with the dignity and consideration of the initial contact. When circumstances warrant, we make provision for installment arrangements. The decision to pursue litigation is always at the client's discretion. We know that success depends on having the finest professional talent and the highest performance standards. Our thorough training program and constant monitoring of collection activities ensure that all personnel meet Rickart standards, as well as those set by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Productivity, Philosophy, and Fees. Rickart has gained success because we recognize and meet our clients' specific needs. What's more, we've earned respect in our field because we consider dedication, and a strong code of ethics, essential in maintaining a good working relationship with our clients. Collecting is a serious business. There are no miracles, just plain hard work by experienced people who understand this industry and are willing to give what it takes to achieve success in a professional and ethical manner. Our fees are competitive -- no collections, no charge. The result: a higher net return for our clients. We pledge performance which will merit continued confidence. It's your money. You worked hard to earn it. We'll work hard to collect it. Computerized Collection Management You can be confident that the accounts you place with us will be collected with maximum efficiency. Rickart uses FACS, the most advanced collection system available. And we are committed to maintaining our hardware and software at the highest level of technology. Our streamlined management techniques are based upon proven collection principles that focus on the quickest method to recover your past-due accounts. Because truly, in the collection business, "time is money." Technology and Services Automated collection software Immediate modification and application programs Client on-line access to accounts Automatic matching of multiple accounts New accounts accepted via tape, disk, telecommunications, e-mail, or hard copy Automatic daily back-up for data security Daily updated interest on contractual accounts Comprehensive Reports You are kept informed about the status of your accounts with these standard reports. Additional client defined reports and report writer customized reports are available upon request. ACKNOWLEDGMENT - Confirms placements and accuracy. Lists by debtor, account number, and balance. PROGRESS/INVENTORY REPORT - Lists all active/inactive accounts, placement date, original balance, payments, current balance, calls/letters, and status. MONTH/BATCH ANALYSIS - Displays listed accounts, adjustments, recalled/returned accounts, settled/paid-in-full accounts, collections, collection fees, average age of accounts, and recovery percentage by month and on a cumulative basis. CLIENT STATEMENT - Indicates who paid, how much, agency fee, current balance. Separate statements available: Direct Payments, NSF Payments, Court Costs. RETURNED ACCOUNT REPORT - Notifies you of accounts that have been canceled from our system.

© Rickart Collection Systems, Incorporated. Unauthorized use prohibited.