Thursday, December 30, 2010
Monday, December 27, 2010
My small business which became a victim of late paying customers.
I used to run a small business which became a victim of late paying customers, a problem which became so bad it ultimately forced the closure of my company. My bank manager at the time told me it would make me a stronger business person in the long run, which was not helpful at a time when I could have done with a bit more help and support before the issue became a major problem for my business.
I like many small business owners just do not realise how big a problem is until it is too late.
I dusted myself down and decided to start up again with the bank managers words of wisdom ringing in my ears. I vowed I would retain as much cash within the business as possible and be more proactive in dealing with the company’s debtors.
This philosophy served me well for several years and I was able to build a small but strong business serving well known customers and not being beholden to the banks for support.
Unfortunately, during the present economic crisis, whilst late payment is still a major issue for businesses as cash is harder to obtain, more and more businesses are resorting to other methods of squeezing their already hard pressed suppliers by,
1) Using late payment as a way of funding their own cash flow.
2) Demanding discounts on already agreed prices.
3) Demanding settlement discounts on already agreed prices.
4) Imposing retrospective discounts on goods already delivered.
5) Cancelling orders for goods already manufactured but not delivered.
6) Forcing extended credit terms on suppliers.
All of my major customers are demanding substantial discounts or extended credit terms; some suppliers are also imposing non negotiable discounts on us on top of the huge increases in energy bills. It does not take a genius to work out the massive impact this will have on our profitability and survival.
If a small well run business eventually runs in to trouble, what hope is there for less well managed companies? The burning issue with me is that larger companies hide behind a veil of anonymity when conducting these dubious business practices. No one other than the incumbent suppliers knows that a particular company is abusing its suppliers.
I have just launched an internet based company www.due2pay.co.uk to help businesses secure payment for undisputed overdue invoices before it has a terminal effect on their cash flow. If the invoice is not paid direct to the supplier, after a request from DUE2PAY, details of late paying companies will appear on our site. This information will then be made available to the wider business community allowing a bit of transparency into which these late paying companies are and giving suppliers more up to date information when they are making decisions on whether to deal with a particular company. We do not intend to replace normal debt recovery and business debt collection agencies which are well established methods. We are a powerful addition to the whole process, we offer the chance for suppliers to speak with each other.
When debts are listed on our site, (debts must not be disputed) two major things happen. The customer is emailed and faxed asking for payment, you can have it sent to the buyer and the MD if you wish. Only when they don't pay (after 14 days) will the information go live. To be fair to the late payer he has has the option to mark the debt as disputed as there could be geniune reasons which have not reached the seller. Only the seller and the buyer see the amounts involved, other members do not see the amounts involved. The site is purely factual 'someone is paying invoices late', there is no opportunity for free text. Member details are anonymous on the site. Members may if they wish exchange contact details through the site message system.
We do not take a commission of invoices, we do not enter into negotiations, and we insist that any invoice listed is not in dispute.
If you would like to know more please contact me on 07740708174 or email to info@due2pay.co.uk and I would be more than happy to discuss our company with you. www.due2pay.co.uk
Kind regards,
Colyn Stevenson
I like many small business owners just do not realise how big a problem is until it is too late.
I dusted myself down and decided to start up again with the bank managers words of wisdom ringing in my ears. I vowed I would retain as much cash within the business as possible and be more proactive in dealing with the company’s debtors.
This philosophy served me well for several years and I was able to build a small but strong business serving well known customers and not being beholden to the banks for support.
Unfortunately, during the present economic crisis, whilst late payment is still a major issue for businesses as cash is harder to obtain, more and more businesses are resorting to other methods of squeezing their already hard pressed suppliers by,
1) Using late payment as a way of funding their own cash flow.
2) Demanding discounts on already agreed prices.
3) Demanding settlement discounts on already agreed prices.
4) Imposing retrospective discounts on goods already delivered.
5) Cancelling orders for goods already manufactured but not delivered.
6) Forcing extended credit terms on suppliers.
All of my major customers are demanding substantial discounts or extended credit terms; some suppliers are also imposing non negotiable discounts on us on top of the huge increases in energy bills. It does not take a genius to work out the massive impact this will have on our profitability and survival.
If a small well run business eventually runs in to trouble, what hope is there for less well managed companies? The burning issue with me is that larger companies hide behind a veil of anonymity when conducting these dubious business practices. No one other than the incumbent suppliers knows that a particular company is abusing its suppliers.
I have just launched an internet based company www.due2pay.co.uk to help businesses secure payment for undisputed overdue invoices before it has a terminal effect on their cash flow. If the invoice is not paid direct to the supplier, after a request from DUE2PAY, details of late paying companies will appear on our site. This information will then be made available to the wider business community allowing a bit of transparency into which these late paying companies are and giving suppliers more up to date information when they are making decisions on whether to deal with a particular company. We do not intend to replace normal debt recovery and business debt collection agencies which are well established methods. We are a powerful addition to the whole process, we offer the chance for suppliers to speak with each other.
When debts are listed on our site, (debts must not be disputed) two major things happen. The customer is emailed and faxed asking for payment, you can have it sent to the buyer and the MD if you wish. Only when they don't pay (after 14 days) will the information go live. To be fair to the late payer he has has the option to mark the debt as disputed as there could be geniune reasons which have not reached the seller. Only the seller and the buyer see the amounts involved, other members do not see the amounts involved. The site is purely factual 'someone is paying invoices late', there is no opportunity for free text. Member details are anonymous on the site. Members may if they wish exchange contact details through the site message system.
We do not take a commission of invoices, we do not enter into negotiations, and we insist that any invoice listed is not in dispute.
If you would like to know more please contact me on 07740708174 or email to info@due2pay.co.uk and I would be more than happy to discuss our company with you. www.due2pay.co.uk
Kind regards,
Colyn Stevenson
Saturday, December 11, 2010
Financial Help for Businessmen
Lack of money means a loss of opportunities for a businessman. Business is a game, a gamble where you can achieve the most of you make full use of opportunities. A mismatch in the cash flow may spoil the earnings of a business. So to overcome such problems, the businessman can take up business cash flow loans.
Business cash flow loans prove to be very important for the borrowers as the business may require a good flow of cash and if the businessman is not able to provide that, the business may lose out on its viability. So in such a situation, the businessman can take up business cash flow loans to act as a bridge for such cash-less situations.
Business cash flow loans are a kind of secured loans which are borrowed for a very short term of repayment. The borrower can use this money for any business requirements like paying the labour, buying raw material, getting franchises, buying new machines etc. any such needs, and new contracts can be signed with the help of business cash flow loans.
To avail business cash flow loans, the borrower can take up an amount which depends upon how much equity the asset of the borrower holds. Any asset of the businessman can be pledged, like his house, real estate, raw material, stocks and bonds etc. If the equity is high, a higher amount can be availed by the borrower. The repayment term of business cash flow loans is up to 2 years.
The best way to reduce the higher rates charged due to short term nature of the loan, is to undertake a research online. This way the borrower can compare all business cash flow loan deals available and then single out the most beneficial deal. Online research also makes available loan deals to bad credit borrowers at low rates.
Business cash flow loans act as a bridge between the cashless situations of the borrowers. This way the businessman can save himself from losses easily
Business cash flow loans prove to be very important for the borrowers as the business may require a good flow of cash and if the businessman is not able to provide that, the business may lose out on its viability. So in such a situation, the businessman can take up business cash flow loans to act as a bridge for such cash-less situations.
Business cash flow loans are a kind of secured loans which are borrowed for a very short term of repayment. The borrower can use this money for any business requirements like paying the labour, buying raw material, getting franchises, buying new machines etc. any such needs, and new contracts can be signed with the help of business cash flow loans.
To avail business cash flow loans, the borrower can take up an amount which depends upon how much equity the asset of the borrower holds. Any asset of the businessman can be pledged, like his house, real estate, raw material, stocks and bonds etc. If the equity is high, a higher amount can be availed by the borrower. The repayment term of business cash flow loans is up to 2 years.
The best way to reduce the higher rates charged due to short term nature of the loan, is to undertake a research online. This way the borrower can compare all business cash flow loan deals available and then single out the most beneficial deal. Online research also makes available loan deals to bad credit borrowers at low rates.
Business cash flow loans act as a bridge between the cashless situations of the borrowers. This way the businessman can save himself from losses easily
Sunday, September 26, 2010
Recovering the Usual and Customary Rate- What the Healthcare Provider Should Know
Recovering the Usual and Customary Rate- What the Healthcare Provider Should Know
The settlements reached earlier this year between New York Attorney General Andrew Cuomo and a group comprised of the largest health insurers in the United States have prompted a series of lawsuits throughout the country against major health plans such as Wellpoint, AETNA, and Cigna. A summary of this litigation can be found on this website. Essentially, the lawsuits claim that companies utilizing the Ingenix database have inappropriately manipulated the level of reimbursement paid to providers for out of network medical care to the detriment of members and providers.
When a provider treats a patient needing emergency medical services who subscribes to a health plan that is not contracted with the provider, there is no set rate at which the provider should be paid. Many statutes provide that in this situation the provider is to be reimbursed at the "usual and customary rate." In Florida, for example, according to Florida Statutes section 641.513(5), the plan must reimburse the provider at the lesser of the provider's billed charges, the agreed upon rate, or the usual and customary rate. But few, if any, define what "usual and customary" means or how it should be calculated, and as a result, providers and plans often disagree as to the appropriate level of reimbursement.
The most recent lawsuits should demonstrate to providers of all sizes that they do have recourse when they are being underpaid by one or more Managed Care Organizations. The Healthcare Reimbursement and Latest News sections of our website have more information on how consulting an attorney can be of benefit. for more comments and infomation check our site at www.greenprofitrecovery.com
The settlements reached earlier this year between New York Attorney General Andrew Cuomo and a group comprised of the largest health insurers in the United States have prompted a series of lawsuits throughout the country against major health plans such as Wellpoint, AETNA, and Cigna. A summary of this litigation can be found on this website. Essentially, the lawsuits claim that companies utilizing the Ingenix database have inappropriately manipulated the level of reimbursement paid to providers for out of network medical care to the detriment of members and providers.
When a provider treats a patient needing emergency medical services who subscribes to a health plan that is not contracted with the provider, there is no set rate at which the provider should be paid. Many statutes provide that in this situation the provider is to be reimbursed at the "usual and customary rate." In Florida, for example, according to Florida Statutes section 641.513(5), the plan must reimburse the provider at the lesser of the provider's billed charges, the agreed upon rate, or the usual and customary rate. But few, if any, define what "usual and customary" means or how it should be calculated, and as a result, providers and plans often disagree as to the appropriate level of reimbursement.
The most recent lawsuits should demonstrate to providers of all sizes that they do have recourse when they are being underpaid by one or more Managed Care Organizations. The Healthcare Reimbursement and Latest News sections of our website have more information on how consulting an attorney can be of benefit. for more comments and infomation check our site at www.greenprofitrecovery.com
Saturday, September 18, 2010
Collecting Payments Due - Small Business Collections
Once an account is past due, companies that haven't been paid can employ various tactics. Fred Steingold, a business lawyer in Ann Arbor, Mich., and the author of The Legal Guide for Starting and Running a Small Business (Nolo Press, $24.95), says companies that are owed should create a series of increasingly urgent reminders insisting on payment. Past-due notices should be sent promptly and should ask clearly for payment, he says.
Les Clark, president of The Credit Recovery Co. Inc., a Woburn, Mass., collection agency, says companies should take a somewhat different approach. He says one friendly reminder letter after the original bill is enough, and then it's time for the next step.
"You don't send out 15 more bills," he says. "You may send out a second bill and say, 'Gee, we haven't heard from you,' and then you specify a payment date that's maybe 10 days to two weeks later. If you don't get something then, you re on the phone. But most firms, because it's easier to do, send out bill after bill after bill."
Bob Ragland, owner of a, ServiceMaster franchise in Columbia, Mo., files a lien against the property of clients who fall 90 days in arrears. That way Ragland- whose business does home cleaning and post-disaster repair-is almost sure to be paid eventually, and usually just the threat of a lien is enough to make people pay up.
Such tactics are rarely necessary, he says, because he bills quickly-within 48 hours of providing a service-and follows up with both a letter and a phone call if he's not paid within 30 days.
The Final Steps
If your firm is owed payment on a number of past-due bills, consider turning them over to a collection agency. But remember that the agency will keep from one-third to one-half of the amount collected. Some agencies also charge their clients for small-claims-court costs if the collection process goes that far, check us out today at www.greenprofitrecovery.com
Les Clark, president of The Credit Recovery Co. Inc., a Woburn, Mass., collection agency, says companies should take a somewhat different approach. He says one friendly reminder letter after the original bill is enough, and then it's time for the next step.
"You don't send out 15 more bills," he says. "You may send out a second bill and say, 'Gee, we haven't heard from you,' and then you specify a payment date that's maybe 10 days to two weeks later. If you don't get something then, you re on the phone. But most firms, because it's easier to do, send out bill after bill after bill."
Bob Ragland, owner of a, ServiceMaster franchise in Columbia, Mo., files a lien against the property of clients who fall 90 days in arrears. That way Ragland- whose business does home cleaning and post-disaster repair-is almost sure to be paid eventually, and usually just the threat of a lien is enough to make people pay up.
Such tactics are rarely necessary, he says, because he bills quickly-within 48 hours of providing a service-and follows up with both a letter and a phone call if he's not paid within 30 days.
The Final Steps
If your firm is owed payment on a number of past-due bills, consider turning them over to a collection agency. But remember that the agency will keep from one-third to one-half of the amount collected. Some agencies also charge their clients for small-claims-court costs if the collection process goes that far, check us out today at www.greenprofitrecovery.com
Friday, September 17, 2010
Tuesday, September 14, 2010
Transworld Systems Celebrating 10 Years as a Medical Group Management Association Adminiserve Partner
Transworld Systems, the industry leader in profit recovery, is celebrating 10 Years as a Medical Group Management Association (MGMA) AdminiServe Partner this year. MGMA is the premier membership association for professional administrators and leaders of medical group practices and AdminiServe is the branded name for the Association's preferred supplier network.
Through the MGMA AdminiServe® partnership, Transworld Systems has recovered more than $290 million for MGMA members while providing a very significant return on investment.
"This milestone is a testament to the success of the partnership, which ultimately benefits MGMA members. We have been working with the MGMA for over 10 years now, and we couldn't be happier with the results. This partnership is clearly a win-win.," said Ken Eissing, Senior Vice President and General Manager for Transworld Systems.
"The numbers speak for themselves - recovery of over $290 million with a 50 percent recovery rate and an ROI of almost 3,400 percent with a collection cost of 2.9 percent, "said Steve Hellebush, MGMA's Vice President of Business Development. "Transworld and the MGMA AdminiServe program continue to provide significant value to MGMA members and their organizations. All of our AdminiServe partners are focused on helping our members succeed, while delivering first-rate service. We proudly celebrate 10 years with Transworld Systems."
Transworld Systems has been an MGMA AdminiServe Partner since 1998. The Company's GreenFlagSM Profit Recovery service handles accounts receivable from early past due accounts through hard-to-collect delinquent accounts. MGMA selected Transworld Systems as their preferred profit recovery supplier due to their low flat-fee pricing, national presence, industry leading recovery rates and their diplomatic, third-party approach.
"Since July 2001, Transworld Systems has collected over $2,442,000 for our office in delinquent insurance claims with their insurance recovery program. The collection cost was a mere 1.2%. We also use Transworld Systems on our private pay accounts at 2% collection cost." - Ruby Dust - Administrator Surgery, Inc in Tulsa, Oklahoma
About Transworld Systems Inc.
Transworld Systems Inc. ®, a wholly owned subsidiary of NCO Group, Inc.®, is an industry leader in profit recovery with headquarters in Santa Rosa, CA, and more than 100 offices throughout the United States and Puerto Rico. Transworld and its service brand GreenFlagSM Profit Recovery are redefining the collection industry by providing businesses with better tools for recovering bad debt and past due accounts. With a success rate more than triple the industry average, Transworld has collected $2.4 billion over the past 5 years for more than 60,000 clients. For more information, call 1.866.629.9092 or visit www.greenprofitrecovery.com.
About MGMA
MGMA is the premier membership association for professional administrators and leaders of medical group practices. Since 1926, MGMA has delivered networking, professional education and resources, and political advocacy for medical practice management. Today, MGMA's 21,500 members lead 13,500 organizations nationwide in which some 270,000 physicians provide more than 40 percent of the health care services delivered in the United States.
MGMA's mission is to continually improve the performance of medical group practice professionals and the organizations they represent. MGMA promotes the group practice model as the optimal framework for health care delivery, assisting group practices in providing efficient, safe, patient-focused and affordable care. MGMA is headquartered in Englewood, Colo., and maintains a government affairs office in Washington, D.C. Please visit www.mgma.com.
Through the MGMA AdminiServe® partnership, Transworld Systems has recovered more than $290 million for MGMA members while providing a very significant return on investment.
"This milestone is a testament to the success of the partnership, which ultimately benefits MGMA members. We have been working with the MGMA for over 10 years now, and we couldn't be happier with the results. This partnership is clearly a win-win.," said Ken Eissing, Senior Vice President and General Manager for Transworld Systems.
"The numbers speak for themselves - recovery of over $290 million with a 50 percent recovery rate and an ROI of almost 3,400 percent with a collection cost of 2.9 percent, "said Steve Hellebush, MGMA's Vice President of Business Development. "Transworld and the MGMA AdminiServe program continue to provide significant value to MGMA members and their organizations. All of our AdminiServe partners are focused on helping our members succeed, while delivering first-rate service. We proudly celebrate 10 years with Transworld Systems."
Transworld Systems has been an MGMA AdminiServe Partner since 1998. The Company's GreenFlagSM Profit Recovery service handles accounts receivable from early past due accounts through hard-to-collect delinquent accounts. MGMA selected Transworld Systems as their preferred profit recovery supplier due to their low flat-fee pricing, national presence, industry leading recovery rates and their diplomatic, third-party approach.
"Since July 2001, Transworld Systems has collected over $2,442,000 for our office in delinquent insurance claims with their insurance recovery program. The collection cost was a mere 1.2%. We also use Transworld Systems on our private pay accounts at 2% collection cost." - Ruby Dust - Administrator Surgery, Inc in Tulsa, Oklahoma
About Transworld Systems Inc.
Transworld Systems Inc. ®, a wholly owned subsidiary of NCO Group, Inc.®, is an industry leader in profit recovery with headquarters in Santa Rosa, CA, and more than 100 offices throughout the United States and Puerto Rico. Transworld and its service brand GreenFlagSM Profit Recovery are redefining the collection industry by providing businesses with better tools for recovering bad debt and past due accounts. With a success rate more than triple the industry average, Transworld has collected $2.4 billion over the past 5 years for more than 60,000 clients. For more information, call 1.866.629.9092 or visit www.greenprofitrecovery.com.
About MGMA
MGMA is the premier membership association for professional administrators and leaders of medical group practices. Since 1926, MGMA has delivered networking, professional education and resources, and political advocacy for medical practice management. Today, MGMA's 21,500 members lead 13,500 organizations nationwide in which some 270,000 physicians provide more than 40 percent of the health care services delivered in the United States.
MGMA's mission is to continually improve the performance of medical group practice professionals and the organizations they represent. MGMA promotes the group practice model as the optimal framework for health care delivery, assisting group practices in providing efficient, safe, patient-focused and affordable care. MGMA is headquartered in Englewood, Colo., and maintains a government affairs office in Washington, D.C. Please visit www.mgma.com.
Saturday, September 11, 2010
Transworld Systems' GreenFlag Accelerator Offers Businesses and Healthcare Providers a Cash Flow Stimulus Program:
Transworld Systems recently introduced GreenFlag Accelerator, a new service that stimulates cash flow by systematically following up on early stage past due accounts. GreenFlag Accelerator provides businesses and healthcare providers with the ability to send reminder letters and make initial reminder calls in their own name before the account is sent to collections. This results in invoices being paid faster and valuable customer and patient relationships being retained. This innovative new service brings the benefits of a sophisticated outsourcing program, typically only available to very large organizations, to businesses and healthcare providers of all sizes.
GreenFlag Accelerator adds to the suite of cash flow and accounts receivable management services Transworld Systems' offers to its clients. Clients can use GreenFlag Accelerator for accounts as early as one day past due and if needed, then take advantage of the GreenFlag Profit Recovery service for accounts at 60-120 days past due and Transworld Systems Collections for older, hard to collect accounts. Through its established and ever expanding suite of services, Transworld Systems offers businesses and healthcare providers of all sizes multiple solutions for their cash flow and accounts receivable management needs.
"Our clients asked us to provide a solution that allows them to systematically follow up on their very early stage past due accounts in a way that stimulates cash flow while retaining their valuable customer and patient relationships," said Ken Eissing, Senior Vice President & General Manager, Transworld Systems. "By bringing the benefits of sophisticated outsourcing programs to businesses and healthcare providers of all sizes, GreenFlag Accelerator enables any size organization to enjoy a systematic and sophisticated early stage delinquency management solution."
"We couldn't be happier with the initial response to GreenFlag Accelerator," says Eissing. "Our clients are telling us GreenFlag Accelerator is what they were looking for. We're excited to be able to provide another new valuable service to our clients."
For more information on Transworld Systems' GreenFlag Accelerator service, visit the website at http://www.transworldsystems.com/greenflag-accelerator.html.
About Transworld Systems Inc.
Transworld Systems Inc.®, a wholly owned subsidiary of NCO Group, Inc.®, is an industry leader in cash flow management and profit recovery with headquarters in Santa Rosa, CA, and more than 100 offices throughout the United States and Puerto Rico. Transworld and its service brands GreenFlag Accelerator and GreenFlag Profit Recovery have been serving the Accounts Receivable needs of small to medium sized businesses with better tools for increasing cash flow, accelerating payments, recovering bad debt and recovering past due accounts. Transworld has recovered $2.4 billion over the past 5 years for more than 60,000 clients. For more information, call 1.866.629.9092 or visit www.greenprofitrecovery.com
GreenFlag Accelerator adds to the suite of cash flow and accounts receivable management services Transworld Systems' offers to its clients. Clients can use GreenFlag Accelerator for accounts as early as one day past due and if needed, then take advantage of the GreenFlag Profit Recovery service for accounts at 60-120 days past due and Transworld Systems Collections for older, hard to collect accounts. Through its established and ever expanding suite of services, Transworld Systems offers businesses and healthcare providers of all sizes multiple solutions for their cash flow and accounts receivable management needs.
"Our clients asked us to provide a solution that allows them to systematically follow up on their very early stage past due accounts in a way that stimulates cash flow while retaining their valuable customer and patient relationships," said Ken Eissing, Senior Vice President & General Manager, Transworld Systems. "By bringing the benefits of sophisticated outsourcing programs to businesses and healthcare providers of all sizes, GreenFlag Accelerator enables any size organization to enjoy a systematic and sophisticated early stage delinquency management solution."
"We couldn't be happier with the initial response to GreenFlag Accelerator," says Eissing. "Our clients are telling us GreenFlag Accelerator is what they were looking for. We're excited to be able to provide another new valuable service to our clients."
For more information on Transworld Systems' GreenFlag Accelerator service, visit the website at http://www.transworldsystems.com/greenflag-accelerator.html.
About Transworld Systems Inc.
Transworld Systems Inc.®, a wholly owned subsidiary of NCO Group, Inc.®, is an industry leader in cash flow management and profit recovery with headquarters in Santa Rosa, CA, and more than 100 offices throughout the United States and Puerto Rico. Transworld and its service brands GreenFlag Accelerator and GreenFlag Profit Recovery have been serving the Accounts Receivable needs of small to medium sized businesses with better tools for increasing cash flow, accelerating payments, recovering bad debt and recovering past due accounts. Transworld has recovered $2.4 billion over the past 5 years for more than 60,000 clients. For more information, call 1.866.629.9092 or visit www.greenprofitrecovery.com
Monday, August 30, 2010
Diplomatic Approach Leads Community College to Place 5,000-account Order
Diplomatic Approach Leads Community College to Place 5,000-account Order
August 31, 2006 – Bloomington, Illinois – District Sales Manager Blake Collinsworth recently sold a 5,000-account new order to a college in central Illinois. With over 11,000 students, it is one of the largest community colleges in the state.
The college decided to use the GreenFlagSM Profit Recovery service for student tuition accounts after unsuccessfully attempting to collect the money themselves. Collinsworth explains, “They had been spending time writing letters internally and had only been recovering 7 percent of their outstanding accounts. They immediately saw the value GreenFlag Profit Recovery could bring to their A/R challenges.”
According to Collinsworth, the college had long searched for a compromise between the struggle of internal recovery and the high cost and pressure tactics of outsourcing to a percentage-based agency. “The members of the board of directors at the college were uneasy about sending any student accounts to ‘collections.’ However, when they saw the diplomatic approach of our demands, their anxiety was immediately removed. They felt they had found the ideal solution.”
The college also liked the ease of uploading accounts electronically to the Online Client Portal (OCP). They were further reassured when they learned that another local community college, using the same internal accounting software, had no trouble uploading accountsto the OCP. Check us out today at www.greenprofitrecovery.com or call 866-629-9092 EXT 101 ask for Sam.
August 31, 2006 – Bloomington, Illinois – District Sales Manager Blake Collinsworth recently sold a 5,000-account new order to a college in central Illinois. With over 11,000 students, it is one of the largest community colleges in the state.
The college decided to use the GreenFlagSM Profit Recovery service for student tuition accounts after unsuccessfully attempting to collect the money themselves. Collinsworth explains, “They had been spending time writing letters internally and had only been recovering 7 percent of their outstanding accounts. They immediately saw the value GreenFlag Profit Recovery could bring to their A/R challenges.”
According to Collinsworth, the college had long searched for a compromise between the struggle of internal recovery and the high cost and pressure tactics of outsourcing to a percentage-based agency. “The members of the board of directors at the college were uneasy about sending any student accounts to ‘collections.’ However, when they saw the diplomatic approach of our demands, their anxiety was immediately removed. They felt they had found the ideal solution.”
The college also liked the ease of uploading accounts electronically to the Online Client Portal (OCP). They were further reassured when they learned that another local community college, using the same internal accounting software, had no trouble uploading accountsto the OCP. Check us out today at www.greenprofitrecovery.com or call 866-629-9092 EXT 101 ask for Sam.
Saturday, August 21, 2010
"The ultimate goal is we want our books back"
When libraries notify patrons that materials they borrowed are late and fines are due, it's not really the money they are after.
"The ultimate goal is we want our books back," said Carol Brey-Casiano, president of the American Library Association. "We want people to understand that when they are issued a library card, it is just as important as a credit card."
It shouldn't be surprising, then, that some public libraries go as far as enlisting the help of collection agencies to recover materials that are not returned.
Of the 18 public libraries that responded to a recent online survey by the Wheeling-based North Suburban Library System, 11 libraries reported they use collection agencies to collect overdue books and fines. For some it is a new practice, one they decided to adopt because the money they receive from state and federal sources has dropped in recent years.
At other libraries, collection agencies have been used for decades. The Schaumburg Township District Library has been using a collection agency the past 20 years and now uses two regularly, IC Systems and Transworld.
Brey-Casiano said the Oak Park Public Library used Transworld services while she was director there from 1991 to 1995. And the El Paso Public Library in El Paso, Texas, where she currently works as director, began using Transworld at her recommendation.
"It is not really a collection agency," Brey-Casiano said.
Transworld sends a series of letters that get increasingly more strongly worded. If a patron fails to return the overdue materials or fails to contact the library to pay for them, the person may be referred to a collection agency, she said.
'Sharing the wealth'
"We are not trying to be law enforcers. We are trying to get our materials back," Brey-Casiano said. "The most important thing about overdue books is you are keeping someone else from using them."
When patrons return library materials promptly, more people in the community have access to the library's resources.
"We are sharing the wealth," Brey-Casiano said.
While some libraries send their own overdue notices, Brey-Casiano said paying for outside services like Transworld saves staff time and can be more effective because the company deals with collections on a much greater volume than an individual library would.
Within the past two years, the El Paso Library determined it had lost $250,000 worth of materials that were long overdue. Library officials have reduced that amount by using the collection service and offering amnesty periods when patrons were allowed to bring back materials "fine-free and with no questions asked," Brey-Casiano said.
The Indian Trails Library in Wheeling, which also serves the Cook County portion of Buffalo Grove, does not use a collection agency but regularly evaluates whether the method would be cost-effective.
"We look at it once a year," said Tamiye Meehan, director of Indian Trails. "It's not yet viable."
Meehan said hiring a collection agency would cost more than the fines that go unpaid. The library collects about $48,000 a year in late fines. The fines that are never paid or waived equal less than 3 percent of that amount, Meehan said. She did not have recent data on the value of materials that are borrowed during the year and never returned.
Most libraries experience the highest losses from people who come in, apply for a library card, borrow a book and never come back, said Meehan.
"A collection agency isn't going to be able to find those people," she said.
Material recovery
For more than two years, the Vernon Area Public Library, serving Buffalo Grove residents in Lake County, has been sending the names of persons delinquent in returning the materials they borrowed from the library to a collection agency.
It's a tactic more and more libraries are using these days to get their materials back in circulation, and it's proven successful.
Unique Management, a collection agency being used by many libraries, has recovered 81 percent of library fines and long ago borrowed materials from the Lincolnshire library, said Stephen Territto, head of circulation at Vernon Area Public Library.
"They do a wonderful job recovering our materials," he said.
Although Unique Management has prompted patrons to bring back library materials, it can be a drawn-out process.
After library materials don't appear back in the library on their due date, the library starts sending four notices over 45 days. When that 45th day rolls around and the patron still hasn't returned the item, they can no longer check out library materials. If the materials are not returned by the 60th day from its due date, the offender's name is turned over to the collection agency, which sends a letter to the offender.
If the patron doesn't make contact after a period of time, another letter is sent. And, if still there is no word from the patron, they can expect to get phone calls from the agency.
There is at least a month from the date the last letter was sent before the agency reports the patron to a credit bureau.
But, once patrons with overdue materials see the library means business when they receive that letter from the collection agency, they respond relatively quickly, Territto said.
And more often than not, they respond with an apology rather than with a gripe.
"They've responded with very few complaints," he said, adding he's only received three or four since he began as head of circulation just over a year ago.
Territto feels the library is not projecting a bad image. Instead, it is displaying a positive image for the general public by making sure the materials paid for with taxpayers' dollars remain available, he said.
Patron names are only sent to collection if they have over $25 in fines or lost itme charges.
The Vernon Area Public Library pays Unique Management $10 per delinquent patron, but the fee does not come out of the pockets of other patrons. The offending patron gets stuck with the tab.
The Elk Grove Village, Crystal Lake and Skokie public libraries; the Palatine and Cary area public library districts; the Cook Memorial Public Library District in Libertyville and the Gail Borden Public Library District in Elgin all report satisfaction with Unique Management to collect long-overdue items.
In the 10 years that Jeffersonville, Ind.-based Unique Management has been in business, the number of clients has grown from two to 600, said Richard Neal, Unique Management's manager of strategic partnerships. And they are all libraries in the United States and Canada.
"We use the gentle-nudge approach," Neal said. "We motivate or encourage patrons to go back to the library and either return the materials or work out a payment plan."
Neal estimates the firm helps the library recover the missing materials or reimbursement for them in 65 percent to 75 percent of the cases it handles. Studies show only 1 percent to 1.5 percent of a library's patrons fail to return materials when they are due, Neal said.
Call Sam J. Banda to do a free account receavable analysis for you at 866-629-9092 or e-mail me sbanda7@gmail.com visit us on line www.greenprofitrecovery.com and please watch the videos.
(originally published by Pioneer Press (Chicago Northwest suburbs) - picked up on Collectionindustry.com 7/8/04)
When overdue notices aren't enough
Some public libraries turn to outside help to recover their inventory
BY KIMBERLY FORNEK
STAFF REPORTER
Staff Writer J.T. Morand contributed to this article.
"The ultimate goal is we want our books back," said Carol Brey-Casiano, president of the American Library Association. "We want people to understand that when they are issued a library card, it is just as important as a credit card."
It shouldn't be surprising, then, that some public libraries go as far as enlisting the help of collection agencies to recover materials that are not returned.
Of the 18 public libraries that responded to a recent online survey by the Wheeling-based North Suburban Library System, 11 libraries reported they use collection agencies to collect overdue books and fines. For some it is a new practice, one they decided to adopt because the money they receive from state and federal sources has dropped in recent years.
At other libraries, collection agencies have been used for decades. The Schaumburg Township District Library has been using a collection agency the past 20 years and now uses two regularly, IC Systems and Transworld.
Brey-Casiano said the Oak Park Public Library used Transworld services while she was director there from 1991 to 1995. And the El Paso Public Library in El Paso, Texas, where she currently works as director, began using Transworld at her recommendation.
"It is not really a collection agency," Brey-Casiano said.
Transworld sends a series of letters that get increasingly more strongly worded. If a patron fails to return the overdue materials or fails to contact the library to pay for them, the person may be referred to a collection agency, she said.
'Sharing the wealth'
"We are not trying to be law enforcers. We are trying to get our materials back," Brey-Casiano said. "The most important thing about overdue books is you are keeping someone else from using them."
When patrons return library materials promptly, more people in the community have access to the library's resources.
"We are sharing the wealth," Brey-Casiano said.
While some libraries send their own overdue notices, Brey-Casiano said paying for outside services like Transworld saves staff time and can be more effective because the company deals with collections on a much greater volume than an individual library would.
Within the past two years, the El Paso Library determined it had lost $250,000 worth of materials that were long overdue. Library officials have reduced that amount by using the collection service and offering amnesty periods when patrons were allowed to bring back materials "fine-free and with no questions asked," Brey-Casiano said.
The Indian Trails Library in Wheeling, which also serves the Cook County portion of Buffalo Grove, does not use a collection agency but regularly evaluates whether the method would be cost-effective.
"We look at it once a year," said Tamiye Meehan, director of Indian Trails. "It's not yet viable."
Meehan said hiring a collection agency would cost more than the fines that go unpaid. The library collects about $48,000 a year in late fines. The fines that are never paid or waived equal less than 3 percent of that amount, Meehan said. She did not have recent data on the value of materials that are borrowed during the year and never returned.
Most libraries experience the highest losses from people who come in, apply for a library card, borrow a book and never come back, said Meehan.
"A collection agency isn't going to be able to find those people," she said.
Material recovery
For more than two years, the Vernon Area Public Library, serving Buffalo Grove residents in Lake County, has been sending the names of persons delinquent in returning the materials they borrowed from the library to a collection agency.
It's a tactic more and more libraries are using these days to get their materials back in circulation, and it's proven successful.
Unique Management, a collection agency being used by many libraries, has recovered 81 percent of library fines and long ago borrowed materials from the Lincolnshire library, said Stephen Territto, head of circulation at Vernon Area Public Library.
"They do a wonderful job recovering our materials," he said.
Although Unique Management has prompted patrons to bring back library materials, it can be a drawn-out process.
After library materials don't appear back in the library on their due date, the library starts sending four notices over 45 days. When that 45th day rolls around and the patron still hasn't returned the item, they can no longer check out library materials. If the materials are not returned by the 60th day from its due date, the offender's name is turned over to the collection agency, which sends a letter to the offender.
If the patron doesn't make contact after a period of time, another letter is sent. And, if still there is no word from the patron, they can expect to get phone calls from the agency.
There is at least a month from the date the last letter was sent before the agency reports the patron to a credit bureau.
But, once patrons with overdue materials see the library means business when they receive that letter from the collection agency, they respond relatively quickly, Territto said.
And more often than not, they respond with an apology rather than with a gripe.
"They've responded with very few complaints," he said, adding he's only received three or four since he began as head of circulation just over a year ago.
Territto feels the library is not projecting a bad image. Instead, it is displaying a positive image for the general public by making sure the materials paid for with taxpayers' dollars remain available, he said.
Patron names are only sent to collection if they have over $25 in fines or lost itme charges.
The Vernon Area Public Library pays Unique Management $10 per delinquent patron, but the fee does not come out of the pockets of other patrons. The offending patron gets stuck with the tab.
The Elk Grove Village, Crystal Lake and Skokie public libraries; the Palatine and Cary area public library districts; the Cook Memorial Public Library District in Libertyville and the Gail Borden Public Library District in Elgin all report satisfaction with Unique Management to collect long-overdue items.
In the 10 years that Jeffersonville, Ind.-based Unique Management has been in business, the number of clients has grown from two to 600, said Richard Neal, Unique Management's manager of strategic partnerships. And they are all libraries in the United States and Canada.
"We use the gentle-nudge approach," Neal said. "We motivate or encourage patrons to go back to the library and either return the materials or work out a payment plan."
Neal estimates the firm helps the library recover the missing materials or reimbursement for them in 65 percent to 75 percent of the cases it handles. Studies show only 1 percent to 1.5 percent of a library's patrons fail to return materials when they are due, Neal said.
Call Sam J. Banda to do a free account receavable analysis for you at 866-629-9092 or e-mail me sbanda7@gmail.com visit us on line www.greenprofitrecovery.com and please watch the videos.
(originally published by Pioneer Press (Chicago Northwest suburbs) - picked up on Collectionindustry.com 7/8/04)
When overdue notices aren't enough
Some public libraries turn to outside help to recover their inventory
BY KIMBERLY FORNEK
STAFF REPORTER
Staff Writer J.T. Morand contributed to this article.
Thursday, July 15, 2010
The Key Question “If I could… Would you…?”
Formula: “If I can show & prove to you... 2 benefits + $12 + is it worth 20 minutes?
IF I CAN SHOW AND PROVE TO YOU…
That we can recover over 57% of your money, IN YOUR POCKET, in the next 90 days..
That we can reduce your days in receivables…
That we can show you how to use your staff more effectively…
That we can eliminate the frustration of making redundant phone calls on your past dues..
That we can recover your money without losing your clients/customers/patients…
That we can give furnish you with reports anytime you want them…
That you could get a third party voice involved without losing control of your accounts…
That you can manage the whole system on-line right from your own computer…
That we can increase your CASH FLOW by 20-30% within the next 90 days…
That we can collect anywhere in the world…
That we can collect big and small balances…
That you can pass our cost right onto your customer…
That we are licensed and bonded in every state where it is required…
That we guarantee our performance in writing…
That we give you a hold harmless agreement…
That we could lower your collection cost from 35% down to 7%...
That all of the collected money will go directly back to you…
AND DO IT FOR AN AVERAGE OF JUST $12 PER ACCOUNT…
IS THAT WORTH 20 MINUTES OF YOUR TIME? call me Sam J. Banda to do a free account receavable analysis for you at 866-629-9092 or e-mail me sbanda7@gmail.com visit us on line www.greenprofitrecovery.com and please watch the video.
IF I CAN SHOW AND PROVE TO YOU…
That we can recover over 57% of your money, IN YOUR POCKET, in the next 90 days..
That we can reduce your days in receivables…
That we can show you how to use your staff more effectively…
That we can eliminate the frustration of making redundant phone calls on your past dues..
That we can recover your money without losing your clients/customers/patients…
That we can give furnish you with reports anytime you want them…
That you could get a third party voice involved without losing control of your accounts…
That you can manage the whole system on-line right from your own computer…
That we can increase your CASH FLOW by 20-30% within the next 90 days…
That we can collect anywhere in the world…
That we can collect big and small balances…
That you can pass our cost right onto your customer…
That we are licensed and bonded in every state where it is required…
That we guarantee our performance in writing…
That we give you a hold harmless agreement…
That we could lower your collection cost from 35% down to 7%...
That all of the collected money will go directly back to you…
AND DO IT FOR AN AVERAGE OF JUST $12 PER ACCOUNT…
IS THAT WORTH 20 MINUTES OF YOUR TIME? call me Sam J. Banda to do a free account receavable analysis for you at 866-629-9092 or e-mail me sbanda7@gmail.com visit us on line www.greenprofitrecovery.com and please watch the video.
Monday, July 5, 2010
Why Our System Works
Today I was doing my everyday routine, calling some prospects and doing some hard knocking when I had one gate keeper that could not let me through. I didn't want to tell her my story but she was one type that did not want to burg so against all common sense and rules I did. She was courteous and she did answer some questions for me, yes they had some bad debts but only about three or four a Month and she said well it was not worth her Employer be bothered about that and she hang up. This is the exact clients we serve small or big our system is good for 24 Months so if we take the 3 accounts that go bad every Month at an average balance of $300.00 for 24 months that comes to a loss of about $21600.00. I had an opportunity of saving this Business owner that much money for pennies on the dollar, but the gate keeper thought it was not worth it to bother him. Are you like this Business Owner with only one or two bad accounts with small balances, we charge a small flat fee of about $12.00 per account and we work all accounts regardless of balances call me for an analysis of your Accounts Receivables at 866-629-9092 or e-mail me at sbanda7@gmail.com for a free consultation.
Saturday, July 3, 2010
Why you Should never send your Clients to a Collecton Agency
One of the most important factors of collecting is early intervention. In fact, the U.S Department of Commerce conducted a survey that clearly shows the older an account is the harder it is to collect in-house. According to this chart, if you took 100 accounts over a year's period of time, at 90 days past due 26% of your accounts are uncollectible. At 120 days past due it goes to 35%, at six months it is over 70% and after a year it's not even worth the paper it's printed on. Most business wait to turn their accounts over to a third-party Collection Agency until around six months for two reasons: First they don't want to give up the 35-50%, and we can all understand that it's your money why give it up afterall it is you who did the work right? and secondly, they don't want to alienate their customers we all know how the debt collector do how rude they are. Wait a second how about if their is another way, were you don't have to give up a percentage of your hard earned money and you don't alienate your Customers, for a flat fee Green Profit Recovery Systems can do that for you, call Sam J. Banda at 866-629-9092 or e-mail at sbanda7@gmail.com for a FREE Consultation of your Business Accounts Receavables today.For more info on GREEN PROFIT RECOVERY SYSTEMS click here!
Friday, July 2, 2010
Districts using collection agencies to get school fees
This is an article I came accross enjoy it.
Districts using collection agencies to get school fees
In Huber Heights, parents can volunteer for six-hour shifts to pay off fees and other school expenses.
By Christopher Magan
Staff Writer
Thursday, August 16, 2007
Ohio law gives every school-age child the right to a public education, but allows school districts to charge parents for expenses above the cost of textbooks.
Those fees raise thousands for districts each year, often paying for supplies and supplemental instructional materials.
Extras
Photos
Click to enlargeTo make sure those fees are paid, some Ohio school districts are enlisting collection agencies to get parents to pay up.
"Schools are considering debt collections and that is something new for public education," said Scott Ebright, spokesman for the Ohio School Board Association.
Collection rates vary by school district and although districts don't like to publicize it some are turning to companies like Transworld Systems to collect unpaid fees, said Amanda Levy, marketing manager for OSBA.
The company specializes in less intimidating, "softer" collection methods, Levy said. "It doesn't make parents feel as alienated," she said.
The OSBA-endorsed agency's Web site boasts it has collected billions for various clients over the past five years. The Girl Scouts of America use the service to collect delinquent cookie money.
It's unclear if any Miami Valley schools are using Transworld, but some are looking for alternative methods to collect fees.
One option is PaySchools, a service that allows parents to pay school fees on-line with a credit card, Levy said. And in Huber Heights schools, parents can volunteer for six-hour shifts at a school-sponsored bingo game to pay off fees and other school expenses.
Unpaid fees follow students through each grade. Districts can withhold grade cards, transcripts and bar students with unpaid fees from graduation ceremonies. Ohio law prohibits districts from withholding diplomas, according to the Ohio Department of Education.
Districts using collection agencies to get school fees
In Huber Heights, parents can volunteer for six-hour shifts to pay off fees and other school expenses.
By Christopher Magan
Staff Writer
Thursday, August 16, 2007
Ohio law gives every school-age child the right to a public education, but allows school districts to charge parents for expenses above the cost of textbooks.
Those fees raise thousands for districts each year, often paying for supplies and supplemental instructional materials.
Extras
Photos
Click to enlargeTo make sure those fees are paid, some Ohio school districts are enlisting collection agencies to get parents to pay up.
"Schools are considering debt collections and that is something new for public education," said Scott Ebright, spokesman for the Ohio School Board Association.
Collection rates vary by school district and although districts don't like to publicize it some are turning to companies like Transworld Systems to collect unpaid fees, said Amanda Levy, marketing manager for OSBA.
The company specializes in less intimidating, "softer" collection methods, Levy said. "It doesn't make parents feel as alienated," she said.
The OSBA-endorsed agency's Web site boasts it has collected billions for various clients over the past five years. The Girl Scouts of America use the service to collect delinquent cookie money.
It's unclear if any Miami Valley schools are using Transworld, but some are looking for alternative methods to collect fees.
One option is PaySchools, a service that allows parents to pay school fees on-line with a credit card, Levy said. And in Huber Heights schools, parents can volunteer for six-hour shifts at a school-sponsored bingo game to pay off fees and other school expenses.
Unpaid fees follow students through each grade. Districts can withhold grade cards, transcripts and bar students with unpaid fees from graduation ceremonies. Ohio law prohibits districts from withholding diplomas, according to the Ohio Department of Education.
Collection Attorneys vs. Collection Agencies
If internal efforts have failed to resolve a debt issue, it may be time to call in a professional. But what type of professional should you choose? A collection attorney or a collection agency.
Many companies will start with the latter in the hopes that legal action can be avoided. For the most part, these collection agencies will take many of the same actions against the debtor that you may have already taken. They often start with a series of letters and then move to phone contact if the initial letters are not effective. However, the third-party power that collection agencies exhibit combined with specialized phone systems, software, and training often make them more efficient and cost-effective at collecting on delinquent accounts.
Agencies are often chosen over collection attorneys because of the costs and the negative image that are associated with using legal action.
This being said, the costs for collection services can vary greatly depending on the volume of accounts being submitted, the average size of an account, and the existing age of the accounts. Most collection agencies work on a percentage basis where they only earn fees only on what they collect, while others offer flat-fee pricing such as Transworld Systems. While the pay-for-performance model seems more appealing, most agencies that work on a percentage basis need to charge high percentages and are typically only motivated to collect on larger and easier to resolve accounts.
If your portfolio of bad debt consists mainly of extremely delinquent accounts with high balances, and you have already exhausted other means, using a collection attorney may be your best course of action.
Because debt collection attorneys can force a slow paying individual or company into court, they often exhibit more power than a collection agency. However, the costs involved can often make this prohibitive unless the balances to be collected are high. Most collection attorneys charge an hourly fee, collect at least one-third of the amount recovered, or both. They usually charge a minimum fee or may require a minimum amount of debt. Plus, payment to the attorney is typically in addition to any court-related fees and charges connected with a lawsuit, if you decide to pursue a judgment in court.
As such, most companies refer debt to a collection agency first, and then turn to an attorney if the agency is unable to make headway. Of course, the goal of most companies is to avoid these issues altogether and if one is dealing with smaller balances, neither option is often real viable.
GreenFlag Profit Recovery by Transworld Systems was designed to help businesses of all sizes reduce the need for traditional collection agencies and attorneys. Our proactive approach to debt collection delivers the power of 3rd party intervention while allowing our clients to maintain complete control. The proven system complies with FDCPA guidelines and has been thoroughly tested to achieve optimal results.
Transworld Systems collected over 2.4 billion in the past 5 years for more than 60,000 clients. Our proven techniques will help your business get the money its owed without losing its customer base from overly aggressive techniques. Read more on the GreenFlag Profit Recovery System.
Call Sam J. Banda at 866-629=9092 for a quick analysis of your Accounts receivables.
Many companies will start with the latter in the hopes that legal action can be avoided. For the most part, these collection agencies will take many of the same actions against the debtor that you may have already taken. They often start with a series of letters and then move to phone contact if the initial letters are not effective. However, the third-party power that collection agencies exhibit combined with specialized phone systems, software, and training often make them more efficient and cost-effective at collecting on delinquent accounts.
Agencies are often chosen over collection attorneys because of the costs and the negative image that are associated with using legal action.
This being said, the costs for collection services can vary greatly depending on the volume of accounts being submitted, the average size of an account, and the existing age of the accounts. Most collection agencies work on a percentage basis where they only earn fees only on what they collect, while others offer flat-fee pricing such as Transworld Systems. While the pay-for-performance model seems more appealing, most agencies that work on a percentage basis need to charge high percentages and are typically only motivated to collect on larger and easier to resolve accounts.
If your portfolio of bad debt consists mainly of extremely delinquent accounts with high balances, and you have already exhausted other means, using a collection attorney may be your best course of action.
Because debt collection attorneys can force a slow paying individual or company into court, they often exhibit more power than a collection agency. However, the costs involved can often make this prohibitive unless the balances to be collected are high. Most collection attorneys charge an hourly fee, collect at least one-third of the amount recovered, or both. They usually charge a minimum fee or may require a minimum amount of debt. Plus, payment to the attorney is typically in addition to any court-related fees and charges connected with a lawsuit, if you decide to pursue a judgment in court.
As such, most companies refer debt to a collection agency first, and then turn to an attorney if the agency is unable to make headway. Of course, the goal of most companies is to avoid these issues altogether and if one is dealing with smaller balances, neither option is often real viable.
GreenFlag Profit Recovery by Transworld Systems was designed to help businesses of all sizes reduce the need for traditional collection agencies and attorneys. Our proactive approach to debt collection delivers the power of 3rd party intervention while allowing our clients to maintain complete control. The proven system complies with FDCPA guidelines and has been thoroughly tested to achieve optimal results.
Transworld Systems collected over 2.4 billion in the past 5 years for more than 60,000 clients. Our proven techniques will help your business get the money its owed without losing its customer base from overly aggressive techniques. Read more on the GreenFlag Profit Recovery System.
Call Sam J. Banda at 866-629=9092 for a quick analysis of your Accounts receivables.
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