At the beginning of the recovery process, qualified debtors are notified in writing of a potential credit bureau notification.

They are given an opportunity to resolve the debt within a specified time period to avoid the derogatory entry on their credit profile. This can be an effective motivator to obtain payment.

If the balance due is not satisfied within that time period, eligible accounts* will be reported to all three major credit bureaus:

* We are unable to report torts unless they are converted to debts by way of installment agreement or judgment.

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