Our collection process starts as soon as we have taken delivery of the accounts we have purchased.

The accounts are first sent to various service bureaus and scrubbed of accounts that were discharged in bankruptcy, or those which all debtors to the account are deceased and have left no estate.

Accounts are then sent to various service companies that specialize in standardizing addresses and make an attempt to locate a better address and phone number for the debtor. Next, debtors are then sent a letter informing them that Southwest Credit Card Services, Ltd. has purchased their debt and that we request the debtor to contact us to make a voluntary payment arrangement.

All accounts are reported to the major Credit Bureaus as being owned by Southwest Credit Card Services, Ltd. and their date of delinquency. At the same time a search is performed for property, vehicle and the ownership of other assets.

Fifteen days after we have sent a letter to the debtor requesting that they contact us -- we start to telephone those who ignored our letter to ask for a reasonable payment arrangement. Our Collection Consultants are fair, firm, and comply with all Local, State and Federal collection laws.

Debtors without a good address and/or phone number are referred to as skips. We send those accounts to a variety of service bureaus and use other techniques, which have shown a high success rate with generating valid addresses and phone numbers. Once we have received the updated information, those debtors are contacted for repayment.

Debtors who refuse reasonable repayment arrangements, or have ignored our letters asking them to call us are sent to collection agencies or collection attorneys. Those collection professionals are allowed to litigate against debtors who have the ability to pay or tangible assets. Litigation is something we would all very much like to avoid, but there are many instances where it may be the only viable option.

After a designated period of time, those accounts that have not paid and are not in litigation are sold to those who buy highly distressed debt.

If you are a debtor on an account we currently own -- we ask to call so we might agree upon a reasonable repayment arrangement. We've always treated cooperative debtors with dignity. The debt will never be forgiven -- so call and make an arrangement before in incurs any more interest. In many cases we stop interest with a reasonable repayment plan -- and have been known to settle a debt in full for an amount substantially less than what is currently owed.

If this debt had been previously discharged in bankruptcy, we were not properly made away of it. Simply send us a copy of the "Discharge of Debtor" and we will make the necessary adjustment.