Phillips, Harper & Harper, LLC - Our Collection Methods

OUR COLLECTION METHODS

When an account is received either by manual placement or by electronic data interface, the account is loaded into the system. At that time, a “Client Acknowledgement” and “First Letter” are generated and sent. The account is then queued to a designated collection queue and worked for thirty (30) days. During this time the collectors will attempt to verify employment, location, property ownership, and attempt to secure payment arrangements/settlement of the claim (collection procedures vary from client to client pursuant to client guidelines). At the end of thirty days, the account is either routed directly to litigation or the client is prompted for suit authorization and costs (where applicable/appropriate). In instances where suit does not appear indicated, the firm will status the client as to why the account is not recommended for suit. (These accounts are then closed unless the client wishes some other course of action.)

Upon determination or notification by the client that suit is indicated, the account is routed for suit. Suit is prepared by a paralegal (and supervised by an attorney) and sent for filing and service. The client is notified when service is perfected (and also when the firm is unable to serve). If good service cannot be obtained, the firm and its process servers will attempt to locate a new address. If good service is perfected and no answer is filed, then the account is routed to a paralegal (and supervised by an attorney) for default judgment. If an answer is filed, then the account is routed to an attorney who will attempt to secure judgment through either summary judgment, arbitration or trial.

Upon securing judgment, the firm will file a judgment lien and the account is sent to “New Judgment Review”. At this time the account is reviewed for an attachable asset.

If an attachable asset is located, then the file is forwarded to a paralegal in the writ department who will request a garnishment. (This is also supervised by an attorney.) If no attachable asset is known, then the account is forwarded to the post-judgment asset location department. This department will attempt to locate an attachable asset through a variety of skip tracing and asset location tools. Once an asset is found, the account is sent back to the garnishment department for garnishment processing.

It should be noted that the collection staff makes regular calls on all accounts (unless there is a cease and desist or unless directed otherwise by the client) from date of placement and throughout the life of the account. The purpose of these calls is to secure payment arrangement or settlement even while in the litigation process.

Phillips, Harper & Harper, LLC

10475 Double R Blvd.

Reno, Nevada 89521

For Faster Delivery Use:

Post Office Box 11400

Reno, Nevada 89510-1400

Telephone: 775-322-2345

Fax: 775-786-1528

www.nevadacollectionattorney.com

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