Our collection work starts within 24 hours of placement of any account. An in-house investigator coordinates with private investigation and local counsel to take a snapshot of the business and initiate an asset and liability investigation. In an effort to determine the ability to pay, the following business contacts may be used to make a proper evaluation:

• Vendors
• Bankers
• Trade References
• Partners
• Registered Agents
• Neighboring Business
• Business Affiliates
• Other Parties

Unlike conventional approaches that use letters and phone calls only, we prepare to dispatch personnel the very first day to put boots on the ground creating a more captive audience and improved collection posture. Only with this proper intel and leverage will we begin to negotiate for balance in full on the client's behalf.

ABSC is compliant with all requirements to collect consumer debt including:

• FDCPA
• Truth In Lending Act
• Responsible/Non-responsible Party for Minors
• ACA Code of Conduct
• Registered Agents
• FCRA
• HIPAA

It's important to select a reputable firm, because the agency then becomes the client's sole representative and consumer debt recovery is a highly regulated process subject to various federal and state laws.

Our procedures conform to the ethics and dignity of the client's profession and the client has final say on the disposition of any consumer account.

Initially a 13-point financial profile is prepared. If the profile is positive we'll recommend suit and our attorney network allows us to sue throughout North America and selected foreign jurisdictions. Clients are updated regularly and consulted on all stages of the litigation process as we attempt a speedy resolution through motions of default, summary judgments, money demand executions and various post-judgment action.

• National Coverage
• Contingency Fee Based Suits
• $3.5 million Bond per case

In many cases the last step is to collect on a judgment or award through the post-judgment collection process. As with pre-judgment accounts, recovery requires the combination of collection professionals and local counsel. Prior to issuing writs of execution, garnishing wages/accounts or seizing property, the defendant's assets must be found.

Where attorneys are experts at winning the case, ABSC has specially trained investigators to relieve the attorney of labor-intensive asset searching. This combination creates a powerful result increasing the client's recovery success significantly.