This document introduces operational consulting services from Lighthouse Consulting aimed at unlocking profits through improved practices, procedures, and opportunities identification. The founder, Phillip Duff, has over 30 years of experience in debt collection and consulting. Services include operational assessments, long-term consulting engagements, and a mentor program to guide new investors. Assessments analyze strategy, management, accounts, compliance, and profitability, culminating in a report with improvement suggestions. Consulting focuses on increased effectiveness and profits through cost reduction and revenue growth initiatives. The mentor program helps new businesses partner with proper vendors and clients to build scalable, profitable strategies.

1. Introduc)on
to
Opera&onal
consul&ng
can
unlock
profits
that
are
being
concealed
by
meager
opera&ng
prac&ces
and
procedures
and
overlooked
opportuni&es.
Our
consul&ng
is
focused
on
training,
produc&vity,
quality
and
maximum
profitability.

2. Phillip
W.
Duff
President and Founder
Phillip
W.
Duff
has
been
involved
in
the
debt
collec&on
industry
for
over
30
years
beginning
with
a
role
with
G.C.
Services
in
the
late
70’s
as
a
debt
collector.
He
was
trained
in
Six
Sigma
while
working
for
Bombardier
Capital
in
Jacksonville,
FL,
and
is
successful
helping
organiza&ons
improve
their
accounts
receivables
processes
using
the
Six
Sigma
methodology.
Mr.
Duff
has
consulted
with
Na&onal
Creditors
as
well
as
countless
collec&on
agencies
and
na&onal
and
regional
debt
buyers.
Mr.
Duff
is
a
published
author
with
several
ebooks
available
at
www.lulu.com.
He
is
also
an
expert
witness
in
cases
involving
the
valua&on
of
debt
porRolios.
Mr.
Duff
has
also
ini&ated
programs
proven
to
drive
posi&ve
revenue
growth
as
an
agency
manager
for
major
creditors
and
na&onal
debt
buyers
as
well
as
law
firms.
Mr.
Duff
has
also
developed
a
unique
process
of
ini&a&ng
cultural
change
as
a
part
of
developing
a
revenue-­‐driven
atmosphere
in
a
variety
of
formats.
This
unique
philosophy
and
technique
are
unseen
to
date
in
the
debt
industry.
His
substan&al
experience
in
the
collec&on
industry,
Six
Sigma
core
competency
and
extensive
industry
rela&onships
can
provide
you
and
your
team
unmatched
perspec&ve
into
your
accounts
receivable
business.
By
crea&ng
Lighthouse
Consul&ng
and
Asset
Management
in
2003
Mr.
Duff
combined
his
experience,
insight,
collec&on
skills
and
extensive
network
of
credit
professionals
to
help
collec&on
partners
maximize
the
value
of
their
businesses.

3. Opera)onal
Assessment
For
a
business
that
is
up
and
running
in
the
collec)on
space
Lighthouse
Consul)ng
has
an
ini)al
consulta)on
that
consists
of
the
following;
 Opera&onal
evalua&on
of
the
business
strategy
 Assessment
of
management
skill
levels
 Account
flow
review
 Compliance
audit
 Vendor
audit
 Assessment
of
collector
skill
levels
and
effec&veness
 PorRolio
and
client
evalua&on
 Sugges&on
for
improvements
 Vendor
sugges&ons
 2
day
onsite
evalua&on
 Technology
assessment
and
evalua&on
 Profit
review
and
sugges&ons
This
consulta)on
will
conclude
with
a
wriCen
document
complete
with
the
assessment
of
current
opera)onal
procedures
along
with
sugges)ons
for
improvements
by
the
staff.
It
will
also
include
vendor
sugges)ons
and
further
consul)ng
services
proposal
if
needed.
The
cost
for
the
assessment
is
$5,500.00
plus
travel
expenses.

4. Opera)onal
Consul)ng
Lighthouse
Consul)ng
has
consulted
with
many
law
firms,
collec)on
agencies
and
debt
buyers
over
the
years.
Our
focus
is
on
opera)onal
effec)veness
resul)ng
in
increased
profits.
We
have
been
able
to
reduce
costs
while
increasing
liquidity
in
law
firms,
agencies
and
debt
buyer
strategies.
OMen
these
are
long
term
agreements
las)ng
6-­‐12
months
with
mul)ple
ini)a)ves
to
increase
efficiency
while
genera)ng
con)nued
increasing
revenues.
This
Consul)ng
is
meant
to
show
increases
in
revenues
propor)onally
to
the
cost
of
the
improvements.
Cost
of
services
can
be
revenue
driven
by
sharing
increases
in
revenue
over
)me
which
provides
a
success
guarantee.

5. Mentor
Program
The
Lighthouse
Mentor
program
is
designed
to
guide
the
new
investor
through
the
reef
infested
waters
and
to
shore
safely.
There
are
many
hurdles
in
entering
this
business
and
Lighthouse
Consul&ng
has
developed
the
rela&onships
and
strategies
that
will
allow
the
new
investor
to
gain
entry
to
this
guarded
industry.
The
program
will
help
a
new
debt
buyer
or
agency
owner
partner
with
the
right
vendors
and
clients,
as
well
as
set
up
strategies
that
are
scalable
and
profitable.
Assistance
in
vendor
selec&on
and
pricing
nego&a&on
as
well
as
licensing,
porRolio
evalua&on
and
acquisi&on
are
included
in
the
service.
Mr.
Duff
will
be
available
to
answer
ques&ons
as
you
build
your
business
and
he
will
make
sure
you
get
the
right
introduc&ons
at
the
next
upcoming
conference.
Mr.
Duff
will
allow
you
access
to
his
30
years
of
knowledge
and
contacts
during
the
program
period.
Most
programs
are
designed
to
last
9-­‐12
months
and
will
provide
the
business
a
vast
amount
of
intellectual
capital
in
that
period.
The
purpose
of
the
program
is
two
fold.
The
first
to
make
sure
the
business
is
opera&ng
safely,
compliantly
and
the
second
is
dealing
with
quality
partners
and
secondly
to
teach
the
business
to
be
self
sufficient
quickly.
The
cost
of
this
service
varies
based
on
the
monthly
term
and
size
of
the
organiza&on,
but
costs
start
at
$9,800.00
for
a
9
month
package
and
small
staff.

6. Staff
Development
Lighthouse
Consul&ng
has
developed
a
collector
training
program
that
has
no
compe&&on.
The
program
is
designed
to
help
the
company
trained
collector
be_er
understand
the
industry
and
the
skills
needed
to
succeed.
The
program
contains
the
following
modules;
 Defining
a
collector
 Types
of
collec&on
accounts
 Credit
Scoring
 Listening
skills
 Ques&ons
with
specific
answers
 Confirm
and
verify
 Payment
sources
and
methods
 Urgency
 Obtaining
Full
and
Complete
info
 Nego&a&on
skills
 Using
a
second
voice
 Lawsuit
process
The
value
of
this
program
is
doubled
by
the
fact
it
is
facilitated
by
Mr.
Duff
who
has
a
reputa&on
for
clear
training
prac&ces.

7. Compliance
Program
With
the
legisla&ve
climate
Lighthouse
Consul&ng
has
determined
the
need
for
a
Compliance
Division.
The
program
consists
of
two
elements
the
first
is
a
compliance
audit
performed
by
Phillip
Duff
the
founder
of
Lighthouse
Consul&ng
and
Ron
S.
Canter,
Esq.
www.roncanterllc.com
a
renowned
industry
lawyer
and
compliance
expert.
The
review
will
comprise
all
elements
of
the
agency
or
law
firm
such
as
talk
offs,
messages,
review
of
all
le_ers
and
wri_en
documents,
policies
and
procedures
and
compliancy
training
for
all
levels
of
the
business.
The
program
will
help
you
make
sure
your
clients
do
not
create
a
compliancy
issue
for
you.
Your
collec&on
system
and
strategies
will
be
evaluated
as
well.

8. Debt
Sales
Lighthouse
Consul&ng
sells
porRolios
of
bad
debt
and
specializes
in
regional
packages
from
resellers.
We
sell
many
packages
to
small
debt
buyers
and
many
of
them
are
lawyers
who
buy
debt
as
an
investment
and
place
it
with
their
firms
for
collec&ons.
We
sell
packages
from
$10K
to
$10M
in
cost.
We
have
rela&onships
with
most
of
the
resellers
in
the
industry
and
we
can
find
the
package
you
are
looking
for.
We
have
a
large
rela&onship
base
which
allows
us
to
have
a
reseller
create
a
package
that
is
specific
to
your
needs.
Call
Mr.
Duff
for
a
personalized
debt
package
today.

9. References
Here
are
a
few
le_ers
of
recommenda&on
I
have
received
in
recent
years.
I
was
introduced
to
Phillip
Duff
in
2001
when
he
was
employed
by
Bombardier
as
an
agency
manager.
He
has
displayed
an
ability
to
understand
the
collecEon
and
debt
purchase
industry
adeptly
over
these
years
and
has
been
a
pleasure
to
work
with.
He
has
the
ability
to
understand
a
collecEon
process
and
see
its
value
and
suggest
an
improved
version
of
the
process
that
can
be
more
producEve.
I
have
conducted
business
with
Phillip
and
believe
he
is
a
sound
honest
businessman.
I
would
recommend
him
as
a
valuable
addiEon
to
any
collecEon
team
as
a
consultant
or
employee.
Stuart
Wolpoff
S.Wolpoff@Independence-­‐Receivables.com
Wolpoff
and
Abramson
Phil
has
worked
closely
with
the
staff
and
managers
in
our
legal
collecEons
unit,
evaluaEng
our
current
process
and
procedures,
idenEfying
areas
of
opportunity
and
developing
a
training
program
to
help
us
increase
front-­‐
end
recoveries.
Phil
has
demonstrated
great
knowledge
as
well
as
a
pracEcal
approach
toward
the
issues
we
have
faced.
Ken
Wilson,
Esq.
Managing
partner
KCWilson@lgw.com
Lus&g,
Glaser
and
Wilson
Needham,
Mass.
Phillip
Duff
and
Lighthouse
ConsulEng
have
provided
us
a
viewpoint
on
call
center
processes
from
outside
our
organizaEon
that
has
been
extremely
valuable.
I
felt
that
our
own
internal
people,
while
very
talented,
need
some
input
from
someone
outside
the
organizaEon
with
vast
industry
experience.
Phillip
filled
that
need.
His
input
regarding
our
structure,
collector
budgets
and
how
to
build
more
enthusiasm,
training,
porNolio
management
and
management
feedback
has
been
valuable
to
or
company.
Geoff
Miller
Gmiller@ProRecoveryInc.com
President
Professional
Recovery
Consultants
May
2009
“I
met
Phil
Duff
six
years
ago
through
a
mutual
business
acquaintance.
I've
always
found
Phil
to
be
professional
in
business
and
a
knowledgeable
and
well
respected
industry
professional.
He
has
always
been
quick
to
offer
his
assistance
with
projects
and
readily
answered
when
called
upon
to
share
his
experEse.
His
counsel
and
experEse
has
always
provided
benefit
to
clients
I
have
known.”
Phil
Slater
Assistant
VP
Bank
One

10. Contact
Us
Phone
904.687.1687
Fax
904.687.0149
Phillip
W.
Duff
Phil@Oakleyduff.com
www.LighthouseConsul&ngInc.com
Visit
these
sites
www.OakleyDuff.com
www.PorRolioFinder.net