COLLECTION SERVICES

Collection Agency

We measure success by our clients' satisfaction. YCCS offers services designed to improve debt collection results with a Fair but Firm approach applied to all of our services.

Open Account Collection

YCCS has been recovering our clients' lost dollars since 1948. With our extensive database and consistent focus on client satisfaction, YCCS produces high rates of return for all types of consumer accounts.

Government Services

YCCS has more than 25 years of experience working with government agencies and have brought our high ethical standards in debt collection philosophy and techniques. We strive to preserve the dignity of the agency and its relationship with its citizens while returning vital funds to the agency and local community.

Commercial Collection

Collecting bad debt between businesses requires particular knowledge and skill. Our commercial collectors have the expertise necessary to navigate the commercial collection industry and successfully negotiate settlements on commercial accounts of all sizes.

Dishonored Check Service

Dishonored checks include NSF, Refer to Maker and Account Closed checks. Our Dishonored Check Service is designed to make check collection both convenient and efficient for our clients.

Here's how it works:

On all dishonored checks collected by YCCS, you will receive 100 percent of the face value of the check. YCCS will retain all handling fees, interest, and collection charges -- minus any specified rebate.
YCCS supplies the check signs required for the collection of a service fee for dishonored checks.
Dishonored checks can be routed directly from your bank to our office.
YCCS will send acknowledgements the day checks are entered into our system.
Upon receiving an account, YCCS will send a statutory Notice of Dishonor on our stationery to the consumer's last known address.
If a check must be forwarded to an out-of-area agency for collection, our rate is 50 percent of the face value of the check. This 50 percent rate also applies to Chapter 13 Bankruptcy accounts and Stop Payment checks.

Letter Service

Our Letter Service prompts slow-paying customers to take action before their accounts are turned over for collection. Clients currently using our Letter Service experience a 50- to 75-percent recovery rate on accounts 60 to 90 days past due.

Here's how it works:

· Two letters are mailed to your consumer at a verified address. The letters are sent on YCCS stationary, 15 working days apart. Each letter warns the consumer that if action is not taken, the account may be turned over for collection. All correspondence is directed to your office for payment arrangements. You receive 100 percent of the payment!

· At the end of the Letter Service term, you may choose to have any outstanding accounts automatically roll into full collection status with us, or we can contact your office by fax or by phone to determine the status of each account.

· To get started with our Letter Service, click here to sign up using our Online Services or contact our office at (800) 841-5873 to request a form to complete and return by fax or mail.

You can always contact YCCS online or by phone to request changes to your letter service.

Online Account Access

YCCS keeps clients informed with updated reports, current tracking and automated account information. All information is online and available at any time.

Client Login

Here's a sample of our online reports:

Debtor Status Report -- Can be generated at any time to show the current status of all accounts.
Account Cancellation Report -- Shows all accounts that have been paid in full, cancelled, determined uncollectible, or sent back to the client.
Trust Settlement Report -- Shows all monies collected during the previous period.
Client Actuary Report -- Provides an overview of the status of all client accounts placed with YCCS.

Staff Training

YCCS conducts specialized training seminars designed to help our clients learn how to collect more dollars in-house, saving both time and money for our clients.

Legal Expertise

Legal action will be used as a last resort when consumers have sufficient resources to meet terms and fail to do so. Our in-house legal staff works full-time on legal matters. YCCS quickly and accurately produces legal documents for prompt filing with the court.

Skip Tracing

YCCS uses skip tracing services to enhance the collection process. Our collectors are trained on software and skip tracing programs to find consumers who haven't paid their invoices to our clients.

Consumer Credit Counseling

YCCS encourages debtors to seek financial assistance in a variety of ways. If a debtor is unable to develop a payment plan and chooses to work with a credit counseling service, we accept and support the program.