| Phase-1 (Customer Service 1-90 day) Programs |
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| Phase - 2 (Traditional Post - 90 day collections for full contract balance) |
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| 2 Phase ARM Program |
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| Ultimate Decline Management Solutions Program |
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| Member Re-Sell/ Amnesty Program |
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| Customized Collection Letters |
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| Credit Reporting With Three Major Credit Bureaus |
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| On-Line 24/7 Real Time On-Line Audits and Client Reports |
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| Members Can Make Payments On-Line |
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| Monthly Statements & Reporting |
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| Fees |
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