Debt Recovery

Debt Collection Agencies - How do they Work?

admin — Thu, 29 Oct 2009 20:32:23 +0000

Not all debt collection agencies offer NATIONWIDE services. If you need bad debt recovery services in other states from California to Maine make sure you ask; the licensing requirements are different in each state and many states don’t require a license. DEBT RECOVERY services offer various collections at different rates. These rates depend on the balance, age of the account and the number of accounts you have to place. Most charge 30% to 40% on consumer debt and 20% to 30% on commercial or large balances. NCC Recovery, Inc.

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Credit Tips from a Bad Debt Recovery Collector

admin — Wed, 07 Oct 2009 02:21:32 +0000

The best defense in these turbulent times is to pay your bills on time and keep your outstanding balances on your revolving accounts (charge accounts) below 50% of their limit. If you find yourself in a difficult situation and you are being pursued by a bad debt recovery company, try to negotiate. Most debt collection agencies realize that times are tough and a willingness to pay goes a long way in resolving the bad debt. Also, negotiate on the debt collection agency reporting to the credit bureaus. Credit bureaus rely on the data supplied by the bad debt recovery companies or even healthcare receivables debt collection agencies to compile a credit profile on you.

Chapter 7 or Chapter 13 Bankruptcy - Debt Collection

admin — Thu, 17 Sep 2009 23:32:42 +0000

Chapter 7 bankruptcy - This bankruptcy will stay on your credit report for ten years. While debts will be forgiven, you may have to sell some of your property, with proceeds distributed to your creditors. In most cases this means you’ll lose your home (if you own it) as well as any expensive items such as art and jewelry or pricey consumer electronics.

Chapter 13 bankruptcy - This type of bankruptcy requires a repayment plan; you set up a three or five year schedule with your creditors, with the approval of a judge. Chapter 13 bankruptcy remains on your credit report for seven years. With this type of bankruptcy you get to keep all of your property, including your home, as long as you keep up with the repayment plan.

The best plan is to try repayment arrangements directly with your creditors or collection agencies and avoid the courts. NCC RecoveryAway from Her movie download

Bad Debt Recovery - Services and Information

admin — Sun, 10 May 2009 22:59:11 +0000

DEBT RECOVERY AGENCIES can help reduce the frustration of bad debt recovery by pursuing your debtors while you to focus on your core business. Collection agencies can be objective in the collection process, which often results in faster and larger recoveries. A DEBT COLLECTION AGENCY that only sends letters cannot be as effective as a collection agency that uses a more direct approach, using phone calls and demand letters. After phone calls, a debt collection agency can escalate their efforts to the legal system if the situation and balance warrant.
Not all debt collection agencies offer NATIONWIDE services. If you need bad debt recovery services in other states from California to Maine make sure you ask; the licensing requirements are different in each state and many states don’t require a license. DEBT RECOVERY services are offered by various debt collections agencies at different rates. These rates depend on the balance, age of the account and the number of accounts you have to place. Most charge 30% to 40% on consumer debt and 20% to 30% on commercial or large balances.
NCC Recovery, Inc.

Welcome to NCC Recovery

admin — Tue, 09 Sep 2008 13:20:31 +0000

Let us put our expertise to work for you…

Take advantage of our 30 Years Debt Collection Experience…

Debt Collection Agency

Selecting a debt collection agency is an important decision. You want an experienced national collection agency that’s large enough to serve all your needs, yet can also provide individual attention and take the time to answer your questions. NCC Recovery is the nationwide collection agency for all your debt recovery needs.

NCC Recovery combines a wide range of national collection services with a client-centered philosophy. Our office in California services our clients nationwide, providing a West Coast location that offers a unique advantage in contacting people at home in the evening.

NCC Recovery is a full service collection agency that provides the “no risk” solution to your debt collection problems. We offer “no collection, no fee” as well as pre-collect and letter service options.

With over 30 years experience in all aspects of debt collection and a reputation that is second to none, NCC Recovery offers you a collection agency you can turn to for help in reducing or the elimination of your delinquent accounts.

Debt Collection Services

We provide a number of different debt collection services to our clients, including the ability to help in the collection of current debt as well as severely past due debt and skip tracing. At NCC Recovery we welcome all clients, regardless of the number of accounts assigned. Take a moment and check out our Debt Collection services.

We offer debt collection services for a variety of clients.

Medical Collections & Healthcare Collections
Bad Check Recovery
Personal Loan Debt Recovery
Consumer Loans
Commercial Collections for Business Accounts
Auto Loans
Letter & Billing Services
Professional Skip tracing

Excellent references are available upon request.

NCC Recovery… Collection and Debt Recovery Specialists

For more information please call us toll free at (866) 577-0057
Or email us at: info@nccrecovery.com

Authored by: NCC Recovery, Inc.

Credit Tips for Saving Money - Part 1

admin — Tue, 10 Jun 2008 00:45:37 +0000

1. Don’t shop on payday. Just because you just got paid doesn’t mean you have money. If you have a budget, stick to it. Before you spend a dime of that hard earned paycheck, take a look at your budget and see what kind of fiscal impact potential impulse buying may have on your bill paying ability. If you don’t have a current budget, now is the best time to create one. For Budget help go to the AHAA Website

for free sample budget sheets.
It is important to stick to a realistic budget to avoid past due accounts and possible referral to a debt collection agency.
Authored by: NCC Recovery, Inc.download The Contract Killerdownload Adam and Eve римский разврат

Credit Tips For Saving Money - Part 2

admin — Sat, 24 May 2008 21:04:33 +0000

Improve your credit score. By improving your score you will save significantly on finance charges and interest rates. Avoid having any debt sent to a Bad Debt Recovery Company or a Nationwide Debt Collection Agency, these also have a negative impact on your score.

Your credit score is usually based on the answers to these questions:

Do you pay your bills on time? The answer to this question is very important. If you have paid bills late, have had an account referred to a nationwide debt collection agency, bad debt recovery firm or have ever declared bankruptcy, this history will show up in your credit report.

What is your outstanding debt? Many scoring models compare the amount of debt you have and your credit limits. If the amount you owe is close to your credit limit, it is likely to have a negative effect on your score.

How long is your credit history? A short credit history may have a negative effect on your score, but a short history can be offset by other factors, such as timely payments and low balances.

Have you applied for new credit recently? If you have applied for too many new accounts recently, that may negatively affect your score. However, if you request a copy of your own credit report, or if creditors are monitoring your account or looking at credit reports to make pre-screened credit offers, these inquiries about your credit history are not counted as applications for credit.

How many and what types of credit accounts do you have? Many credit-scoring models consider the number and type of credit accounts you have. A mix of installment loans and credit cards may improve your score. However, too many finance company accounts or credit cards might hurt your score.

To learn more, see the Federal Trade Commission publication on credit scoring. Excerpts taken from Facts for Consumers.

Authored by:NCC Recovery, Inc.

Our Economy and Debt Collections

admin — Tue, 20 May 2008 20:55:31 +0000

As individuals’ debt grows in a tough economy, US debt collection agencies are experiencing a higher volume of assigned accounts. Does this mean there is a higher rate of return? No, not necessarily. To some, it may look like the industry is booming because of the high increase in bad debt. But…this type of economy also creates a more difficult environment for collecting that debt.

Collection agents need to be aware that this economy has affected people’s financial health and should try to help with a solution rather than adding to their distress. Many people in debt appreciate a firm, but helpful tone to a collection call, increasing the probability of successful collections. In these difficult times collection agents must keep in mind that when there isn’t enough money to pay everyone, the debtor will most likely pay the companies that are willing to work with them first.
Authored by: NCC Recovery, Inc.

Holidays and Debt Collections

admin — Sat, 03 May 2008 03:42:07 +0000

Believe it or not, the holiday season is one of the best times for a collection agency to collect bad debt. The only other time of the year that is better for debt collection is tax season. These are the months that many people receive money either as gifts or tax returns. December and January open up possibilities for a debtor to raise money from sympathetic family and friends. Many people having financial difficulties will receive monetary gifts to help them through the tough times. Debt collectors should be a little more sympathetic to people’s situations during this holiday time because there are also many that don’t have the availability of funds to make their payments.
Authored by: NCC Recovery, Inc.

Riddles Just For Fun

admin — Mon, 10 Mar 2008 00:41:02 +0000

Riddles to take you away from the Salt Mine for a Minute

1. What can go up a chimney down, but cannot go down a chimney up?

2. I have four wings, but cannot fly, I never laugh and never cry; On the same spot I’m always found, toiling away with little sound. What am I?

Send me your answers.