Integral Recoveries Services

Accounts Receivable Management

Integral Recoveries provides clients with a wide variety of accounts receivable management solutions. Our unique programs have increased recoveries of past due amounts for clients in government, financial services, healthcare, utilities, education, commercial, retail and service industries. Leading technology, experienced staff, and best business practices drive results for Integral Recoveries' clients.

First Party Billing

Integral Recoveries can create a customized outbound/inbound contact program for your organization to enhance your capabilities in recovering early stage delinquencies. We can make customer service oriented recovery or payment reminder attempts in our client's name. This program can provide the following benefits to your organization:

Resources to reduce early stage delinquency, decreasing debt write-offs
Calls proven to outperform notices, delivering more payments and payment agreements
Representation consistent with your organization's requirements, protecting your valued image and reputation.
Cost-effective fee options

Third Party Collections

The key to successful implementation of a third party collection program is an organized, thorough account work plan that can be used to monitor and control collection activities. Integral Recoveries focuses on effective location and asset search in conjunction with results-oriented collection technique encompassing the knowledge necessary to handle the various situations arising in collection scenarios, increasing the amount of consumers we contact and create urgency to pay. The result for your organization is increased revenues on delinquent accounts and consistent performance in excess of the capabilities of other collection agencies.

Integral's strategies to maximize results include the following:

Intensive outbound manual and autodialed telephone campaigns
Collection Notices
Location and Asset Investigation
Credit Reporting
Litigation and Post Judgment Remedies

Location and Asset Investigation

Integral Recoveries staff is given access to the top location and asset investigation tools in the industry. They are trained on techniques proven to provide the most accurate results. Integral Recoveries is continually seeking new and innovative products and services that can enhance our ability to meet client needs. Each product and service is carefully evaluated prior to subscription or purchase.

Full Service Litigation

As is 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 network of attorneys across the nation that we utilize for various jurisdictions.

Utilizing litigation in the collection process is proven to increase recoveries and will enhance our capabilities of providing the best possible recovery results for your organization. Our firm is constantly keeping us apprised of the ever-changing laws pertaining to the accounts receivable management industry. 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.

Post Judgment Remedies

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 (where applicable).

Credit Reporting

We currently report selected accounts to the 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. Credit reporting provides significant advantages to clients of Integral Recoveries, enhancing our capabilities of providing the best collection results possible.

Transaction Processing

Integral Recoveries has many tools in place to expedite payment, including many that allow consumers to resolve their obligations directly over the telephone or via our secure website, www.payintegral.com. Check-by-phone services, bank transfers, credit/debit cards, and Western Union Quick Collect are some examples. We are also equipped to accept walk-in payments.

Our time tested controls ensure secure and accurate transaction processing.

Debt Portfolio Purchasing and Management

Integral Recoveries is a member of the Debt Buyers' Association, industry professionals networked and dedicated to building a reliable and credible market for delinquent receivables. We have been active in debt purchasing since 1999, purchasing portfolios from many major creditors, financial service institutions and brokers. We are capable of single and forward flow purchases.

Packaging delinquent accounts for sale can provide clients with immediate capital return and the capability of reducing collection operation costs.

Due diligence procedures are necessary to establish accurate pricing. These procedures can include a confidential review of the portfolio in Excel format and a questionnaire about prior activity and practices regarding the included accounts. Please contact the Sales Department 800-660-8450 for more information.