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Collector Process
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Initial Call by Collector: Three days after the first demand letter is sent
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Request for payment in full is given when the responsible party is reached
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If your client is unable to pay in full, they will be given the opportunity to schedule payments in half or thirds of the balance due
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If your client is unable to pay in half or thirds of the balance due, they are then offered the opportunity to go through a payment qualification process to determine a fair and reasonable repayment plan
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We accept the following payment forms: MasterCard, Visa, American Express, Discover Card, debit card, HSA, Care Credit, money order, cashier's check, and personal check
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A security code is given to your client once a payment plan is established.
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A copy of the payment arrangment is available to the consumer upon request.
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All accounts where payment arrangements have been established and adhered to prior to credit reporting will not be reported to any credit bureau
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ESI reports to Equifax, TransUnion, and Experian credit bureaus
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