• Collections – Through a series of notices and phone calls, our office will make many attempts to collect the debt owed. During this process, the debtor is notified the debt has been placed with our office, and we start negotiating payment plans and offer solutions to get the debt satisfied.

• Skip Tracing – Sometimes the information that a client has on a debtor is either outdated or is incorrect. We automatically skip trace each account at the time of placement for the newest consumer information available.

• Filing claims with the bankruptcy court – In the event a debtor files for bankruptcy and your account is included, our office will handle all filings on our clients behalf.

• Legal options – If legal action is obtained, Retail Merchants Association will pay all the upfront court costs and attorney fees. Our office will work directly with the attorney and our clients pay no legal fees associated with filings on their behalf.Legal action will never be taken without prior consent from our client.