SlideShare una empresa de Scribd logo
1 de 36
TELEPHONE COLLECTION TECHNIQUES Brenda Terreault, Esq. NACM Oregon January 28, 2010
A/R – Delinquency ,[object Object],[object Object],[object Object]
Goals of the Collections Effort ,[object Object],[object Object],[object Object],[object Object]
A/R – Collections ,[object Object],[object Object],[object Object],[object Object],[object Object]
Classifying the Debtor ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
A General Collection Program ,[object Object],[object Object],[object Object],[object Object]
A General Collection Program ,[object Object],[object Object],[object Object],[object Object]
A General Collection Program ,[object Object],[object Object],[object Object],[object Object]
A General Collection Program ,[object Object],[object Object],[object Object],[object Object],[object Object]
Handling Disputes ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Handling Disputes ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Telephone Collections ,[object Object],[object Object],[object Object],[object Object],[object Object]
Telephone Collections (cont.)   ,[object Object],[object Object],[object Object],[object Object]
Telephone Collections (cont.)   ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Using Your Voice – Inflection  ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Telephone Collections (cont.)   ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Telephone Collections (cont.)   ,[object Object],[object Object],[object Object],[object Object]
The Distressed Debtor ,[object Object]
The Distressed Debtor  (cont.) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
The Distressed Debtor  (cont.) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
The Distressed Debtor  (cont.) ,[object Object],[object Object],[object Object],[object Object]
The Distressed Debtor  (cont.) ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Working with Third Parties ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Working with Third Parties ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Small Claims Court? ,[object Object],[object Object],[object Object],[object Object],[object Object]
The End Game ,[object Object],[object Object],[object Object]
Bankruptcy ,[object Object],[object Object],[object Object]
Bankruptcy ,[object Object],[object Object],[object Object],[object Object]
Bankruptcy ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Bankruptcy ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Bankruptcy ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Out of Court ,[object Object],[object Object],[object Object],[object Object]
[object Object]
Myth #1 FDCPA only applies to 3 rd  Party Collectors
Myth #2 FDCPA only applies to Consumer accounts
Thank you! Questions? [email_address]

Más contenido relacionado

La actualidad más candente

The modern collection call
The modern collection callThe modern collection call
The modern collection call
Steve Hodgdon
 
Collection capacity planning
Collection capacity planningCollection capacity planning
Collection capacity planning
hendrosantoso
 
Debt Collection Training
Debt Collection TrainingDebt Collection Training
Debt Collection Training
Sales Training Middle East
 
Cobranza inteligente
Cobranza inteligenteCobranza inteligente
Cobranza inteligente
Luis Alfaro
 

La actualidad más candente (20)

Debt collection tips
Debt collection tipsDebt collection tips
Debt collection tips
 
12 steps to achieve excellence in debt collection and recovery
12 steps to achieve excellence in debt collection and recovery12 steps to achieve excellence in debt collection and recovery
12 steps to achieve excellence in debt collection and recovery
 
Debt collection skills & techniques
Debt collection skills & techniquesDebt collection skills & techniques
Debt collection skills & techniques
 
Debt collection
Debt collectionDebt collection
Debt collection
 
Collections Overview
Collections OverviewCollections Overview
Collections Overview
 
Collection Secrets Presentation
Collection Secrets PresentationCollection Secrets Presentation
Collection Secrets Presentation
 
FAQ: Debt Collection
FAQ: Debt CollectionFAQ: Debt Collection
FAQ: Debt Collection
 
Credit Control Tips
Credit Control TipsCredit Control Tips
Credit Control Tips
 
The Ins and Outs of Phone Collection
The Ins and Outs of Phone CollectionThe Ins and Outs of Phone Collection
The Ins and Outs of Phone Collection
 
The modern collection call
The modern collection callThe modern collection call
The modern collection call
 
Collection capacity planning
Collection capacity planningCollection capacity planning
Collection capacity planning
 
Telephone technique 18 oct 2012
Telephone technique   18 oct 2012Telephone technique   18 oct 2012
Telephone technique 18 oct 2012
 
Debt recovery
Debt recoveryDebt recovery
Debt recovery
 
B2B Accounts Receivable Best Practices
B2B Accounts Receivable Best PracticesB2B Accounts Receivable Best Practices
B2B Accounts Receivable Best Practices
 
Debt Collection Training
Debt Collection TrainingDebt Collection Training
Debt Collection Training
 
Debt Recovery Management or Debt Recovery Mechanism by Banks
Debt Recovery Management or Debt Recovery Mechanism by BanksDebt Recovery Management or Debt Recovery Mechanism by Banks
Debt Recovery Management or Debt Recovery Mechanism by Banks
 
Debt recovery techniques
Debt recovery techniques Debt recovery techniques
Debt recovery techniques
 
Cobranza inteligente
Cobranza inteligenteCobranza inteligente
Cobranza inteligente
 
Petty Cash Management - Introduction to Petty Cash
Petty Cash Management - Introduction to Petty CashPetty Cash Management - Introduction to Petty Cash
Petty Cash Management - Introduction to Petty Cash
 
Collection techniques
Collection techniquesCollection techniques
Collection techniques
 

Destacado (7)

What happened collection call script
What happened collection call scriptWhat happened collection call script
What happened collection call script
 
Credit Risk Management Presentation
Credit Risk Management PresentationCredit Risk Management Presentation
Credit Risk Management Presentation
 
Call center mock calls script sample
Call center mock calls script sampleCall center mock calls script sample
Call center mock calls script sample
 
Juvenile deliquency
Juvenile deliquencyJuvenile deliquency
Juvenile deliquency
 
Predicting Delinquency-Give me some credit
Predicting Delinquency-Give me some creditPredicting Delinquency-Give me some credit
Predicting Delinquency-Give me some credit
 
B.S. Detection for Digital Content
B.S. Detection for Digital ContentB.S. Detection for Digital Content
B.S. Detection for Digital Content
 
Crime and Deviance - Subcultural Approach
Crime and Deviance - Subcultural ApproachCrime and Deviance - Subcultural Approach
Crime and Deviance - Subcultural Approach
 

Similar a Telephone Collection Techniques

Recovering Payments from Debtors
Recovering Payments from DebtorsRecovering Payments from Debtors
Recovering Payments from Debtors
envirocare
 
Family Legal Guide Chapter 8 Bankruptcy
Family Legal Guide  Chapter 8 BankruptcyFamily Legal Guide  Chapter 8 Bankruptcy
Family Legal Guide Chapter 8 Bankruptcy
legalcounsel
 

Similar a Telephone Collection Techniques (20)

Foreclosure Prevention Course
Foreclosure Prevention CourseForeclosure Prevention Course
Foreclosure Prevention Course
 
Increasing Intensity to achieve collection
Increasing Intensity to achieve collectionIncreasing Intensity to achieve collection
Increasing Intensity to achieve collection
 
Recovering Payments from Debtors
Recovering Payments from DebtorsRecovering Payments from Debtors
Recovering Payments from Debtors
 
Family Legal Guide Chapter 8 Bankruptcy
Family Legal Guide  Chapter 8 BankruptcyFamily Legal Guide  Chapter 8 Bankruptcy
Family Legal Guide Chapter 8 Bankruptcy
 
CDPE Distressed Homeonwer Seminars
CDPE Distressed Homeonwer SeminarsCDPE Distressed Homeonwer Seminars
CDPE Distressed Homeonwer Seminars
 
Legitimate debt relief advice
Legitimate debt relief adviceLegitimate debt relief advice
Legitimate debt relief advice
 
CDPE Homeowner Seminars Hollywoodhillsavoidforeclosure
CDPE Homeowner Seminars HollywoodhillsavoidforeclosureCDPE Homeowner Seminars Hollywoodhillsavoidforeclosure
CDPE Homeowner Seminars Hollywoodhillsavoidforeclosure
 
Debt advisory slide
Debt advisory slideDebt advisory slide
Debt advisory slide
 
Credit & Debt Issues for Military Families
Credit & Debt Issues for Military FamiliesCredit & Debt Issues for Military Families
Credit & Debt Issues for Military Families
 
Dealing with Difficult Borrowers.pptx
Dealing with Difficult Borrowers.pptxDealing with Difficult Borrowers.pptx
Dealing with Difficult Borrowers.pptx
 
Dealing with Difficult Borrowers (1).pdf
Dealing with Difficult Borrowers (1).pdfDealing with Difficult Borrowers (1).pdf
Dealing with Difficult Borrowers (1).pdf
 
4 debt collection activities we perform
4 debt collection activities we perform4 debt collection activities we perform
4 debt collection activities we perform
 
Collection disputes.pdf
Collection disputes.pdfCollection disputes.pdf
Collection disputes.pdf
 
Legal Aid FDCPA Presentation
Legal Aid FDCPA PresentationLegal Aid FDCPA Presentation
Legal Aid FDCPA Presentation
 
Creditor\'s Rights and Bankruptcy Issues in Real Estate Law
Creditor\'s Rights and Bankruptcy Issues in Real Estate LawCreditor\'s Rights and Bankruptcy Issues in Real Estate Law
Creditor\'s Rights and Bankruptcy Issues in Real Estate Law
 
Corporate Bankruptcy 101 & Select Bankruptcy Issues
Corporate Bankruptcy 101 & Select Bankruptcy IssuesCorporate Bankruptcy 101 & Select Bankruptcy Issues
Corporate Bankruptcy 101 & Select Bankruptcy Issues
 
Csp Seminar Final
Csp Seminar FinalCsp Seminar Final
Csp Seminar Final
 
Short Sale/Foreclosure Epedemic Explained
Short Sale/Foreclosure Epedemic ExplainedShort Sale/Foreclosure Epedemic Explained
Short Sale/Foreclosure Epedemic Explained
 
How Debt Settlement Affects Your Credit Score
How Debt Settlement Affects Your Credit ScoreHow Debt Settlement Affects Your Credit Score
How Debt Settlement Affects Your Credit Score
 
Telephone Collections
Telephone CollectionsTelephone Collections
Telephone Collections
 

Más de Credit Management Association

Más de Credit Management Association (20)

AnscersX Multibureau Business Trade Credit Report presentation
AnscersX Multibureau Business Trade Credit Report presentationAnscersX Multibureau Business Trade Credit Report presentation
AnscersX Multibureau Business Trade Credit Report presentation
 
Business credit for business owners - Credit Management Association
Business credit for business owners - Credit Management AssociationBusiness credit for business owners - Credit Management Association
Business credit for business owners - Credit Management Association
 
Sales Tax Exemption Certificates
Sales Tax Exemption CertificatesSales Tax Exemption Certificates
Sales Tax Exemption Certificates
 
Cross Cultural Communications
Cross Cultural CommunicationsCross Cultural Communications
Cross Cultural Communications
 
Manage Your Customer's Payment With Speed, Accuracy, Reliability and Savings
Manage Your Customer's Payment With Speed, Accuracy, Reliability and SavingsManage Your Customer's Payment With Speed, Accuracy, Reliability and Savings
Manage Your Customer's Payment With Speed, Accuracy, Reliability and Savings
 
Securing Your Transactions in Latin America and Mexico
Securing Your Transactions in Latin America and MexicoSecuring Your Transactions in Latin America and Mexico
Securing Your Transactions in Latin America and Mexico
 
Financial Statement Analysis - Reading the Numbers Correctly
Financial Statement Analysis - Reading the Numbers CorrectlyFinancial Statement Analysis - Reading the Numbers Correctly
Financial Statement Analysis - Reading the Numbers Correctly
 
Efficiency Models and Methods to Improve Credit Department Performance
Efficiency Models and Methods to Improve Credit Department PerformanceEfficiency Models and Methods to Improve Credit Department Performance
Efficiency Models and Methods to Improve Credit Department Performance
 
Dialing For Dollars
Dialing For DollarsDialing For Dollars
Dialing For Dollars
 
Analyzing Liquidity Using the Cash Conversion Cycle
Analyzing Liquidity Using the Cash Conversion CycleAnalyzing Liquidity Using the Cash Conversion Cycle
Analyzing Liquidity Using the Cash Conversion Cycle
 
Credit Negotiating, 2014 CreditScape, Western Region Credit Conference Semina...
Credit Negotiating, 2014 CreditScape, Western Region Credit Conference Semina...Credit Negotiating, 2014 CreditScape, Western Region Credit Conference Semina...
Credit Negotiating, 2014 CreditScape, Western Region Credit Conference Semina...
 
Saying Yes to the Sale With Limited Information
Saying Yes to the Sale With Limited InformationSaying Yes to the Sale With Limited Information
Saying Yes to the Sale With Limited Information
 
Investigating your Debtor in Mexico, 2014 CreditScape, Western Region Credit ...
Investigating your Debtor in Mexico, 2014 CreditScape, Western Region Credit ...Investigating your Debtor in Mexico, 2014 CreditScape, Western Region Credit ...
Investigating your Debtor in Mexico, 2014 CreditScape, Western Region Credit ...
 
Coloring your collections, 2014 CreditScape, Western Region Credit Conference...
Coloring your collections, 2014 CreditScape, Western Region Credit Conference...Coloring your collections, 2014 CreditScape, Western Region Credit Conference...
Coloring your collections, 2014 CreditScape, Western Region Credit Conference...
 
Collections Best Practices seminar, 2014 CreditScape, Western Region Credit C...
Collections Best Practices seminar, 2014 CreditScape, Western Region Credit C...Collections Best Practices seminar, 2014 CreditScape, Western Region Credit C...
Collections Best Practices seminar, 2014 CreditScape, Western Region Credit C...
 
Antitrust: 2014 CreditScape, Western Region Credit Conference Seminar Slide Deck
Antitrust: 2014 CreditScape, Western Region Credit Conference Seminar Slide DeckAntitrust: 2014 CreditScape, Western Region Credit Conference Seminar Slide Deck
Antitrust: 2014 CreditScape, Western Region Credit Conference Seminar Slide Deck
 
Reliance Credit Network
Reliance Credit NetworkReliance Credit Network
Reliance Credit Network
 
Internet Credit (skip tracing) Tools
Internet Credit (skip tracing) ToolsInternet Credit (skip tracing) Tools
Internet Credit (skip tracing) Tools
 
Social%20 media wrcc
Social%20 media wrccSocial%20 media wrcc
Social%20 media wrcc
 
Mak to sue or not to sue - nacm presentation-2
Mak   to sue or not to sue - nacm presentation-2Mak   to sue or not to sue - nacm presentation-2
Mak to sue or not to sue - nacm presentation-2
 

Último

The Abortion pills for sale in Qatar@Doha [+27737758557] []Deira Dubai Kuwait
The Abortion pills for sale in Qatar@Doha [+27737758557] []Deira Dubai KuwaitThe Abortion pills for sale in Qatar@Doha [+27737758557] []Deira Dubai Kuwait
The Abortion pills for sale in Qatar@Doha [+27737758557] []Deira Dubai Kuwait
daisycvs
 
Nelamangala Call Girls: 🍓 7737669865 🍓 High Profile Model Escorts | Bangalore...
Nelamangala Call Girls: 🍓 7737669865 🍓 High Profile Model Escorts | Bangalore...Nelamangala Call Girls: 🍓 7737669865 🍓 High Profile Model Escorts | Bangalore...
Nelamangala Call Girls: 🍓 7737669865 🍓 High Profile Model Escorts | Bangalore...
amitlee9823
 
Call Girls Kengeri Satellite Town Just Call 👗 7737669865 👗 Top Class Call Gir...
Call Girls Kengeri Satellite Town Just Call 👗 7737669865 👗 Top Class Call Gir...Call Girls Kengeri Satellite Town Just Call 👗 7737669865 👗 Top Class Call Gir...
Call Girls Kengeri Satellite Town Just Call 👗 7737669865 👗 Top Class Call Gir...
amitlee9823
 
Call Now ☎️🔝 9332606886🔝 Call Girls ❤ Service In Bhilwara Female Escorts Serv...
Call Now ☎️🔝 9332606886🔝 Call Girls ❤ Service In Bhilwara Female Escorts Serv...Call Now ☎️🔝 9332606886🔝 Call Girls ❤ Service In Bhilwara Female Escorts Serv...
Call Now ☎️🔝 9332606886🔝 Call Girls ❤ Service In Bhilwara Female Escorts Serv...
Anamikakaur10
 
Russian Call Girls In Gurgaon ❤️8448577510 ⊹Best Escorts Service In 24/7 Delh...
Russian Call Girls In Gurgaon ❤️8448577510 ⊹Best Escorts Service In 24/7 Delh...Russian Call Girls In Gurgaon ❤️8448577510 ⊹Best Escorts Service In 24/7 Delh...
Russian Call Girls In Gurgaon ❤️8448577510 ⊹Best Escorts Service In 24/7 Delh...
lizamodels9
 

Último (20)

The Abortion pills for sale in Qatar@Doha [+27737758557] []Deira Dubai Kuwait
The Abortion pills for sale in Qatar@Doha [+27737758557] []Deira Dubai KuwaitThe Abortion pills for sale in Qatar@Doha [+27737758557] []Deira Dubai Kuwait
The Abortion pills for sale in Qatar@Doha [+27737758557] []Deira Dubai Kuwait
 
Nelamangala Call Girls: 🍓 7737669865 🍓 High Profile Model Escorts | Bangalore...
Nelamangala Call Girls: 🍓 7737669865 🍓 High Profile Model Escorts | Bangalore...Nelamangala Call Girls: 🍓 7737669865 🍓 High Profile Model Escorts | Bangalore...
Nelamangala Call Girls: 🍓 7737669865 🍓 High Profile Model Escorts | Bangalore...
 
Dr. Admir Softic_ presentation_Green Club_ENG.pdf
Dr. Admir Softic_ presentation_Green Club_ENG.pdfDr. Admir Softic_ presentation_Green Club_ENG.pdf
Dr. Admir Softic_ presentation_Green Club_ENG.pdf
 
It will be International Nurses' Day on 12 May
It will be International Nurses' Day on 12 MayIt will be International Nurses' Day on 12 May
It will be International Nurses' Day on 12 May
 
RSA Conference Exhibitor List 2024 - Exhibitors Data
RSA Conference Exhibitor List 2024 - Exhibitors DataRSA Conference Exhibitor List 2024 - Exhibitors Data
RSA Conference Exhibitor List 2024 - Exhibitors Data
 
Call Girls Kengeri Satellite Town Just Call 👗 7737669865 👗 Top Class Call Gir...
Call Girls Kengeri Satellite Town Just Call 👗 7737669865 👗 Top Class Call Gir...Call Girls Kengeri Satellite Town Just Call 👗 7737669865 👗 Top Class Call Gir...
Call Girls Kengeri Satellite Town Just Call 👗 7737669865 👗 Top Class Call Gir...
 
JAYNAGAR CALL GIRL IN 98274*61493 ❤CALL GIRLS IN ESCORT SERVICE❤CALL GIRL
JAYNAGAR CALL GIRL IN 98274*61493 ❤CALL GIRLS IN ESCORT SERVICE❤CALL GIRLJAYNAGAR CALL GIRL IN 98274*61493 ❤CALL GIRLS IN ESCORT SERVICE❤CALL GIRL
JAYNAGAR CALL GIRL IN 98274*61493 ❤CALL GIRLS IN ESCORT SERVICE❤CALL GIRL
 
PHX May 2024 Corporate Presentation Final
PHX May 2024 Corporate Presentation FinalPHX May 2024 Corporate Presentation Final
PHX May 2024 Corporate Presentation Final
 
The Path to Product Excellence: Avoiding Common Pitfalls and Enhancing Commun...
The Path to Product Excellence: Avoiding Common Pitfalls and Enhancing Commun...The Path to Product Excellence: Avoiding Common Pitfalls and Enhancing Commun...
The Path to Product Excellence: Avoiding Common Pitfalls and Enhancing Commun...
 
Call Girls Service In Old Town Dubai ((0551707352)) Old Town Dubai Call Girl ...
Call Girls Service In Old Town Dubai ((0551707352)) Old Town Dubai Call Girl ...Call Girls Service In Old Town Dubai ((0551707352)) Old Town Dubai Call Girl ...
Call Girls Service In Old Town Dubai ((0551707352)) Old Town Dubai Call Girl ...
 
Eluru Call Girls Service ☎ ️93326-06886 ❤️‍🔥 Enjoy 24/7 Escort Service
Eluru Call Girls Service ☎ ️93326-06886 ❤️‍🔥 Enjoy 24/7 Escort ServiceEluru Call Girls Service ☎ ️93326-06886 ❤️‍🔥 Enjoy 24/7 Escort Service
Eluru Call Girls Service ☎ ️93326-06886 ❤️‍🔥 Enjoy 24/7 Escort Service
 
Falcon Invoice Discounting platform in india
Falcon Invoice Discounting platform in indiaFalcon Invoice Discounting platform in india
Falcon Invoice Discounting platform in india
 
Cheap Rate Call Girls In Noida Sector 62 Metro 959961乂3876
Cheap Rate Call Girls In Noida Sector 62 Metro 959961乂3876Cheap Rate Call Girls In Noida Sector 62 Metro 959961乂3876
Cheap Rate Call Girls In Noida Sector 62 Metro 959961乂3876
 
👉Chandigarh Call Girls 👉9878799926👉Just Call👉Chandigarh Call Girl In Chandiga...
👉Chandigarh Call Girls 👉9878799926👉Just Call👉Chandigarh Call Girl In Chandiga...👉Chandigarh Call Girls 👉9878799926👉Just Call👉Chandigarh Call Girl In Chandiga...
👉Chandigarh Call Girls 👉9878799926👉Just Call👉Chandigarh Call Girl In Chandiga...
 
How to Get Started in Social Media for Art League City
How to Get Started in Social Media for Art League CityHow to Get Started in Social Media for Art League City
How to Get Started in Social Media for Art League City
 
Call Now ☎️🔝 9332606886🔝 Call Girls ❤ Service In Bhilwara Female Escorts Serv...
Call Now ☎️🔝 9332606886🔝 Call Girls ❤ Service In Bhilwara Female Escorts Serv...Call Now ☎️🔝 9332606886🔝 Call Girls ❤ Service In Bhilwara Female Escorts Serv...
Call Now ☎️🔝 9332606886🔝 Call Girls ❤ Service In Bhilwara Female Escorts Serv...
 
Mysore Call Girls 8617370543 WhatsApp Number 24x7 Best Services
Mysore Call Girls 8617370543 WhatsApp Number 24x7 Best ServicesMysore Call Girls 8617370543 WhatsApp Number 24x7 Best Services
Mysore Call Girls 8617370543 WhatsApp Number 24x7 Best Services
 
Russian Call Girls In Gurgaon ❤️8448577510 ⊹Best Escorts Service In 24/7 Delh...
Russian Call Girls In Gurgaon ❤️8448577510 ⊹Best Escorts Service In 24/7 Delh...Russian Call Girls In Gurgaon ❤️8448577510 ⊹Best Escorts Service In 24/7 Delh...
Russian Call Girls In Gurgaon ❤️8448577510 ⊹Best Escorts Service In 24/7 Delh...
 
Katrina Personal Brand Project and portfolio 1
Katrina Personal Brand Project and portfolio 1Katrina Personal Brand Project and portfolio 1
Katrina Personal Brand Project and portfolio 1
 
Business Model Canvas (BMC)- A new venture concept
Business Model Canvas (BMC)-  A new venture conceptBusiness Model Canvas (BMC)-  A new venture concept
Business Model Canvas (BMC)- A new venture concept
 

Telephone Collection Techniques