Our services are designed to suit your business requirements, taking into consideration the type of service your business provides, your geographical location and any other characteristics that makes you unique in your business.

In order to provide a large variety of services and fee schedules, we have separated our services into two types of programs, Pre-Collect and Collect. We are able to offer our clients programs that serve as an extension of their existing billing department.

¨ Installment Payment Plan Accounts are high balance accounts, which the debtor is unable to pay in full at the time services are provided. We will establish an acceptable payment plan, then supply the debtor with a payment coupon book then monitor payments until the account is paid in full. This will save your staff time and you money. ¨

Early-Out Programs are primarily for Clients who generate a high volume of accounts on a regular basis. To reduce your in-house workload, the accounts are assigned to our agency immediately following first billing. These accounts are set up on a system that maintains constant communication with the debtor in a passive yet assertive manner.

¨ First Placement Collections. These are initial assignment of delinquent accounts after in-house or pre-collection efforts are exhausted.

¨ Second Placement Collections are accounts previously assigned to another collection agency and which you wish CIB to rework. Attorney services and pre-collect letter systems are not considered collection agencies.

Our fees are on a contingency basis only and are determined in part by the type of services or products provided and the amount of debtor information you have available. We work each account thoroughly and in full detail through a variety of letter series, telephone contact, Skip-tracing, Credit Bureau listing and asset research. All accounts over the $50.00 are reported to the Credit Bureau 60 days after placement with our agency.