1. Psychological impact on debtor creates a greater capacity for collection
2. Professionally trained staff in collection techniques and strategies
3. Agency has the ability to use 3rd party skip tracing tools
4. Lower overhead
5. Cost - payment is based on contingency
6. National Coverage
7. Consistency of effort
8. State of the Art technology - (auto dialer, collection systems)

Reliability:

1. ProAcct has over 20 years combined experience in the collections and receivables management industry.
2. On-site Information Technology staff. · 24 Hour accessibility via the Internet · Offer customers a consistent method of contact, through the communication channel of their choice.
3. Our data center houses the servers that support all company operations. All data is transmitted via a dedicated T1 · Our network is behind a Cisco PIX 501 firewall. · Network uses 168 bit encryption
4. FDCPA and FCRA compliant workforce

Versatility:

1. Ability to credit report to all three major repositories via a secure FTP connection
2. Prompt and accurate responses to product related support issues
3. Customized solutions are designed and implemented with our customer in mind
4. Offer full and pre-litigation services