About Integral Recoveries

Business Principles

Integral Recoveries is a leader in receivables management serving multiple organizations in a wide span of industries. We are committed to providing our clients with a recovery model that will reduce their operating expenses and increase liquidations on delinquent debt.

Professional and Ethical Operation

Integral Recoveries was founded on principles of business ethics and professionalism. We conduct our operation in the best interests of our clients and with strict adherence to State and Federal Fair Debt Collection Practices Act.

In accordance with the Gramm Leach Bliley Act of 1999, Integral's policy is to protect consumer information. We do not engage in information sharing with outside organizations. Our internal policies/procedures and technological improvements reflect the latest advancements in securing sensitive data.

Our employees are trained to resolve obligations without the use of rude or abusive tactics. The most effective collection techniques, which Integral Recoveries employs, encompass the following characteristics:

Professionalism
Listening Skills
Information Gathering
Negotiation
Mutual Resolution

Innovative Industry Technology

Integral Recoveries is committed to continuous research for industry resources that will provide us with improvements to our operation that result in cost reductions and higher returns to our clients.

Integral's collection software and hardware are continually upgraded to reflect the most recent technological advancements.

Our network is secured by a firewall that protects our systems from security risks. Our firewall protects us from unauthorized file access through the use of assigned security certificates. Security software provides us with daily updated virus/spyware protection.

Integral Recoveries utilizes a multi-line phone system with digital caller identification at each employee station. Our software and phone system is used in conjunction with virtual dialer and voice broadcast systems, which enables virtual messaging and touch-tone prompted immedate connections.

Skip tracing is an essential part of providing effective debt collection and we subscribe to top industry vendors providing the most current and accurate demographic information. Each product and service is carefully evaluated prior to subscription or purchase.

Integral Recoveries has embraced the use of industry technology, and blends it with detailed and intensive manual effort from our account representatives. This gives us a tremendous advantage on agencies that rely solely on automated skip vendor flows and dialer.

Credit Reporting

We currently report selected accounts to major national credit bureaus. The process of reporting and maintaining correct records on consumers is maintained by a monthly upload from our collection system via an electronic file. This upload provides the following:

Reporting of new accounts by system credit reporting flag
Updating of any payments/adjustments made to previously reported accounts
Removal of accounts as dictated by credit reporting flag

We subscribe to E-Oscar, which provides electronic communication and response between Integral Recoveries and the credit bureaus to answer any consumer disputes in a timely fashion.

Leading Industry Business Practices

The key to successful implementation of a receivables management plan is an organized, thorough account work structure that can be used to monitor and control collection activities. Integral Recoveries focuses on diligent location search, asset identification and effective collection technique encompassing the knowledge necessary to handle all situations arising in collection scenarios, increasing the amount of consumers we contact and create urgency to pay.

By utilizing our cost-effective program, clients will reduce operating expenses while increasing liquidation on delinquent debt.

Superior Client Support

Unlike most companies that strive to provide good client service, Integral Recoveries, Inc. provides total client satisfaction. We take pride in our ability to maintain a one on one relationship with our clients and provide quick response to client issues and inquiries. Call center support will be established for each client with multiple points of contact. Status reports are sent regularly to keep clients up to date on progress.

Integral Recoveries, Inc. has many tools to make client placements as easy as possible. Accounts can be placed via Internet, email, tape media, fax, or manually using paper forms. Please review our Client Access option for information on how to place accounts directly through this website.

We are proud to have many references on our service. Please Contact Us as they are available upon request.

Integrated Litigation Service

As it it often needed in our industry, full service litigation is provided by our on-site attorneys. Our firm has been performing collection litigation services for over 20 years. They are members of the National Association of Retail Collection Attorneys. Working in conjunction with our Legal Assistants, Integral has a newtork of attorneys across the nation that we utilize for various jurisdictions. Our litigation capabilities include all services leading up to Judgment and beyond, including but not limited to wage and bank account garnishment, property liens, and interrogatories.

Our firm is constantly keeping us apprised of the ever-changing laws pertaining to collection agencies. All of our policies and procedures are reviewed by our firm to ensure that we are in compliance with the current legislative changes and Agency Board rules.

Experienced Staff

The latest innovations in equipment and technology are effective tools in our industry, and Integral Recoveries has embraced them. However, we feel that the most effective tool is a professionally trained account representative, with strong communication skills, specialized product knowledge, and solid work ethic. Our average employee has over six years of experience in the collection industry. We invest significant time and resources to hire and train effective account representatives. By the time they are prepared to make recovery attempts, we are confident that they encompass the following characteristics:

Professionalism – they have been sufficiently trained and tested on FDCPA to represent both Integral Recoveries and our clients. The quality of their work has been monitored by our management staff and deemed up to our high standards. Their approach is one of resolution and is designed to maximize recovery without using tactics that can lead to complaints by treating consumers with dignity and respect at all times.
Product Knowledge – all employees will be trained to understand specific types of debts in their assigned departments placed for collection and provide rebuttals to their objections. They will have access at all times to experienced supervisors and managers to “talk-off” accounts when necessary.
Logical Process / Location Tool Use – employees follow a logical process always focused on recovering the debt in the shortest time possible. Asset investigation begins in the initial stage of the collection process, providing us with negotiation leverage.

At Integral Recoveries, Inc., we require excellent performance and professionalism from our employees, and in return provide superior benefits and work atmosphere. We have bilingual members of staff to enhance our collection capability for non-English speaking consumers. Our ongoing training regiment results in quality collection performance as well as the most professional standards in the industry.

Exceptional Recovery Performance

Integral Recoveries blends these aspects of our business principles to provide exceptional recovery performance and client service with a progam designed specifically for your organization, maximizing liquidations on debt placements.

We have established a performance record that has consistently exceeded our competition. Our business model has been developed to meet client needs in all industries.

Executive Management

Integral Recoveries' Managing Personnel have a combined 65 years of collection industry experience.

History

Location

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