Our "SMART" Collecting

With CCB's SMART collecting approach, we are committed to providing you the best accounts receivable collections services available.

Telephone:

When an account is placed in direct action our professional collection staff will take the necessary steps to collect on your accounts. Effective professional telephone calls are made to your consumer to arrange payment in full.

Q&F:
While maintaining our “SMART” collections approach, CCB account representatives embrace what we call the Q&F (Qualify & Finalize) system. Consumers are asked qualified questions (Qualified) that allow their account representative to determine what the eventual collection probability will be and where the account will be headed (Finalized).

- PIF (Payments in Full)
- Payments
- Legal Action
- Close – no hope

SKIPS:
CCB account representatives are trained in the art of skiptracing. 50% of the accounts CCB receives require some type of skiptracing, whether it is to locate a work phone number or locate assets (Asset Investigations).

Legal:
CCB account representatives handle your account from start to finish. The ideal outcome is payment in full, but may require legal action to get there. Our account representatives continue to communicate with your consumer throughout the legal process as our “In-House Attorney” monitors the legal process.

Payments:
Consumers set up on monthly payment plans receive a confirmation letter and a set of payment coupons – just like if they had a bank loan. All avenues for PIF are explored before a consumer is set up on a payment plan and an informal credit application is done with the consumer before a payment amount is established.