Since 1985, we have worked to perfect every step to our collection process, adding services for both client and consumer.

Accounts are referred, or listed, by CAI clients several ways: diskette, modem, email, CAI website, or manual data entry off client statements.

Accounts are sent through the National Change of Address prior to the first notice being sent.

A series of notices is sent to each consumer. The number of notices sent and time at which they are sent varies based on consumer contact.

Skip-Tracing is performed on accounts to update or to locate contact information. Our staff continually researches and utilizes the latest skip tracing methods available: electronic batch updates, CD updates, and manual internet traces.

All unpaid accounts are reported to the three national credit bureaus: Equifax, Experian, and Trans Union after remaining in our agency a minimum of 60 days.

Consumers are given every opportunity to reconcile their debt with us: Check, Money Order, EFT (Electronic Funds Transfer), Credit Card or online at www.helpuspay.com

Accounts are referred to the CAI Legal Department when CAI Call Center staff receive repeated broken promises from a consumer. Although there is no reluctance on CAI's part to proceed with litigation when necessary, in the interest of prompt recovery, Collection Associates, Inc. would prefer to collect accounts through conventional channels. Written authorization is secured from the client prior to taking action.

An activity statement is prepared by CAI Operations staff the last day of each month. The statement along with remittance is forwarded to CAI clients no later than the 20th of the following month.