| Day 1 |
Accounts loaded in SARMA Collections, Inc. system (or rolled into bad debt from the early out program). First collection letter is generated; Automated skip trace process begins. |
| Day 7 |
Return mail accounts with no phone numbers are moved to skip trace desk for location efforts. |
| Day 15 |
Outbound telephone attempts start and continue on an ongoing basis. |
| Day 30 |
Second collection letter is generated on accounts where there has been no payment and no other disposition obtained during the first 30-days (other dispositions can include notification of third party payor information, payment arrangements made, promise to pay obtained, etc.). |
| Ongoing | Outbound telephone attempts, investigation of any third party payor information provided to us by the debtor, partial payment accounts monitored until full resolution. Depending on balance of account, up to three additional collection letters to resolve account. |
