BANKING DEBT COLLECTIONS

We have developed programming, systems, and procedures to maximize recoveries with a special emphasis on retaining banking customers. Our system has increased customer retention for some banks by 50% as well as recovered the negative balances of these customers.

• Overdrawn Checking Accounts - We have established a unique Banking Demand Deposit Accounts (DDA) overdraft collection process, designed for pre or post-charge off and customer retention.

• Loans - Our systematic approach to approach maximizes recoveries secured and unsecured loans, credit cards, student loans, Commercial Lending, and much more.

• Automated System. Starts, stops, partial payments, paid in full's and customer data adjustments are updated daily "hands-free" through a simple upload.

• Experienced Banking Collectors. Our designated bank collectors understand the banking industry including the customer benefit of overdraft protection programs.

Breco Federal Credit Union has used American Agencies since 2002 and has always been extremely pleased with their collection system. Our delinquency rates have come down significantly and have remained low. Currently, over 60% of our members turned over to American Agencies are responding positively.