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Primarily collection agencies work through letters and telephone calls. Third-party collection agencies party basically works on commission basis.In which they receive a percentage of the amount that they collect.These agencies offer services to lending companies such as credit card firms, insurance firms, healthcare providers, automotive firms, financial institutions, banks and utility service providers like telecom and electric.Some agencies even purchase large groups of charged-off bad debts for a small percentage of the "face value". After the debt is sold, the debtor now owes the full amount to the purchaser. Collection companies main task is may not only offering due accounts recovery but also help with financial solutions as well as loss prevention. Collection agencies work with the lending corporations and would recommend the most appropriate approaches for successful collections of due accounts. It may not only offer due accounts recovery but also help with financial solutions as well as loss prevention.

What is Collection Agency?

Collection Agencies are the type of business which pursues payments on dept owed by individuals or business. Mostly Collection Agencies act as agents of creditors and collect debts for a fee or percentage of total amount owed. Collection agencies are well recognized and sanctioned business entity. The main task of collection agencies is to collect debts owed to its mother company by its company’s customers. There are two types of collection agencies (a) first party agency and (b) third party agencies. In first party agencies the company is get involved earlier in the debt collection process and have a greater incentive to try to maintain a constructive customer relationship. In Third party agencies the  creditor assigns accounts directly to such an agency on a contingency-fee basis, The term collection agency is usually applied to third-party agencies, called such because they were not a party to the original contract. Most of the collection agencies have lawyers who file a case at the court to force the debtor to meet his or her obligations. This is done in a hope that the receipt of legal documentations would induce the debtor to make a payment on the debt due or at least make efforts to communicate with the creditor for a repayment plan. Collection agencies try to use all the available resources to track down debtors.

By: Pramod kumar

Tags: , , , , , ,

how do collection agencies make money

2 Responses to “How Do Collection Agencies Work & Make Money?”

  1. big schara
    May 31, 2012 at 10:46 am #

    It's perfectly legal. In fact, this is how collection agencies operate. say that you owe me money, but I get you to pay. I finally get frustrated and give up, so I sell the debt to a collection agency. They pay me perhaps 30% of what you owe me which is better than nothing. Now the account belongs to them and you legally owe them. It end there. They can sell the debt to another collection agency if they are not able to collect. Go 10 years without paying the debt and your account might go through 10 different collection agencies.
    not actually true when they say that the represent the original company, but they do represent the original account so really a matter of semantics.
    Meanwhile, if you dispute the validity of the debt within the first 30 days, they must obtain verification that the debt is valid. If they are unable to do so, they must stop collection proceedings.

  2. loge trilla
    June 1, 2012 at 11:18 pm #

    ANDY MURRAY has an even greater incentive to win his Australian Open semi-final today after watching Roger Federer follow Rafael Nadal through the exit door.

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