Collection Process
Carolina Accounts Control, Inc. provides structured collection phone
calls and quality collection letters that adhere to the requirements of
the Fair Debt Collection Practices Act (FDCPA) and state regulations.
Our collection process involves mailing collection letters on a regular
basis until the account is completely paid or settled in full.
 Highly
trained staff members who are dedicated to providing professional service
collect your accounts. The collector’s goal is to encourage payment
in full on the first phone call.
The initial collection letter is mailed requesting payment in full. The
Operations Manager sends out additional collection letters for any accounts
that have not established regular payment arrangements.
When a phone number is provided, every effort is made to contact the
debtor. Telephone contact usually occurs after the initial collection
letter has been mailed. If a patient cannot be located, our collectors
have access to a variety of skip tracing tools to locate the debtor as
quickly as possible.
We always pursue payment in full, however if it is determined that the
debt cannot be paid in full, our collectors have been trained to individually
review the debtor’s financial situation and to offer and arrange
appropriate payment options. If this approach is used, our collectors
are always professional and produce results. Our company is built upon
unwavering professionalism and customer service.
Payment letters are mailed on a regular basis for several months, or
until the account is paid in full. All accounts with payment plans arranged
are periodically reviewed and if the debtor’s financial situation
improves, plans are upgraded accordingly.
If our collectors determine that an account cannot be collected, the
account is forwarded to account review to ensure that all collection techniques
have been exhausted. If the review supports the collector’s determination,
you may decide whether the account balance is sufficient to be sent to
an attorney in order to initiate litigation.
When payment arrangements are absent, other courses of action are initiated.
These may include reporting to the credit bureaus, transferring the account
to another collector, and or forwarding the account to an attorney. Permission
for reporting to credit bureaus or sending accounts to attorneys must
be obtained from you, the client. Once we have received your permission
for legal proceedings, letters will be prepared on an attorney’s
letterhead and sent to the debtor. These tactics increase our recovery
rate from debtors who have the ability to pay but need extra incentive
of legal action to pay their debts.
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