PRODUCTS AND SERVICES...

NCO Receivables Management Solutions offers a full range of collection services to meet the specific needs of small - to medium-sized credit grantors, those involved in businesses and professional/medical organizations.

The NCO Receivables Management Solutions Tandem Program

NCO Receivables Management Solutions leading product is the Tandem Program. The Tandem Program is a two-phase, full-service collection program.

• In the service's first (or Primary Phase), accounts are pursued and collected for a low, fixed-fee per account, and all payments are directed back to the credit grantor.
• In the Tandem Program's optional Secondary Contingent Recovery Division (SCRD), or the Secondary Phase, accounts that are non-responsive in the program's Primary Phase may be worked on a contingent-fee basis.

The Tandem Program's Primary Phase services are available in several "levels of service" - i.e. levels of collection effort. And all Tandem Programs can be used to recover delinquent accounts, bad checks, or both. This gives NCO Receivables Management Solutions the ability to provide clients with collection programs that meet their specific recovery needs.

To determine the correct level(s) of service, NCO Receivables Management Solutions will perform a no-charge receivables analysis. Based on the findings of that analysis, NCO Receivables Management Solutions will recommend the most appropriate service level to meet the client's recovery needs. Factors evaluated and considered during the receivables analysis include age of the accounts, balances owed, validity of available debtor/debt information, and prior internal and external recovery efforts.

All Tandem Program levels of service include the following services in the Primary Phase:

• Multiple call campaigns by professional collectors using predictive dialing systems.
• Calls campaigns are conducted weekdays, evenings, and weekends.
• Up to six written contacts with the debtor.
• On qualifying accounts, and at the client's discretion, a contact will be forwarded to the debtor from a collection attorney.

• Reporting of non-responsive debtors to credit bureaus nationally.
• Assignment of a "personal collection officer" to the client's accounts.
• Use of overnight services to deliver collection contacts to the debtor and pickup of debtor payments with overnight delivery to the creditor.
• Assumption of all administrative collection/follow-up responsibility by NCO Receivables Management Solutions.

At the client's option, accounts not recovered in the Primary Phase can automatically be transferred to the Secondary Contingent Recovery Division (SCRD).

SCRD is a "workout" division that is specially structured to pursue and salvage second placements (e. g., accounts that have previously been worked unsuccessfully by an agency as a primary placement). Full-service collection efforts are provided in the Secondary Phase, and payments are directed to NCO Receivables Management Solutions. SCRD services are provided for a straight contingent fee of up to 50 percent, which includes forwarding to a litigation attorney, if warranted, at NCO Receivables Management Solutions discretion and expense. And, in SCRD, if there is no collection, there is no charge.

All NCO Receivables Management Solutions Tandem Programs are available in two formats:

• The traditional paper-based service that is packaged much like a "one write" accounting system. The client completes transmittal documents (referred to as activators) and sends them to NCO Receivables Management Solutions to begin collection activity.
• Tandem Online

Tandem Online

NCO Receivables Management Solutions fastest growing service is Tandem Online. This product combines NCO Receivables Management Solutions cost-effective, full-service Tandem collection program with the speed and efficiency of the Internet.

Like NCO Receivables Management Solutions paper-based systems, Tandem Online users have a selection of service levels to meet their specific collection needs. However, with Tandem Online, the client has access to the following additional services:

• Online Account Transmittal:
• Submit accounts to NCO Receivables Management Solutions 24 hours a day, seven days a week
• Eliminate the delays and expense associated with the mail - click the "send" button and accounts are automatically sent to NCO Receivables Management Solutions for pursuit and recovery
• Online Account Status Updating:
• Process account status changes quickly and easily
• Enter account balance changes resulting from credits, deletions, or payments while online - updates will be confirmed and will appear in all reports within 48 hours after all quality control verification is completed
• Make changes and updates online and avoid the time delays and expense associated with mailing or telephoning changes
• Online Reporting:
• View the status of a specific account - or your entire NCO Receivables Management Solutions system - 24 hours a day, seven days a week
• System reports are automatically updated every 48 hours
• Audit your system online and determine where your accounts are in the collection cycle at all times
• Online Customer Service and Help:
• Specific questions can be e-mailed directly to NCO Receivables Management Solutions Customer Service for fast replies
• Find answers to the most frequently asked questions with the Tandem Help feature

NCO Receivables Management Solutions offers the Tandem Online service with all its additional service enhancements and features at the same fees as the paper-based programs.

Click here for a demo of Tandem Online features.