Medical Management Consultants, Inc.

Third-party collections techniques begin with a 'Customer Notice' (validation notice as required by law) notifying the patient of the alleged debt. After 15 days' time has elapsed, collectors begin trying to reach each debtor by phone. In the event this is not possible or a positive response is not attained, the demand notice is mailed. After the initial two notices, the mail correspondence is at the discretion of the manager. Also during the first weeks of placement of the new account, the computer system searches for active accounts for 'ties' (additional accounts for the same guarantor) and then searches for 'ties' in the 'Suspense Section' which contains accounts that were uncollectible at an earlier time. After accounts are initially worked on a new business basis and integrated into a collector's active inventory, collectors are expected to make telephone contacts every two weeks on each account handled.

Collectors recommending accounts for placement with our attorney are limited to a sixty (60) day time frame. However, no accounts are sued with an aggregate balances are under $100. In situations where aggregate balances are under $100, they are placed in a suspended file and, if a new placement pushes that balance over $100, the account can be sued immediately.

WE SUE UNDER ASSIGNMENT AND ONLY UPON CLIENT APPROVAL.

Our attorneys use County Courts to obtain wage assignments, judgments, execution and levy, and trial, if necessary.

Medical Management Consultants, Inc. is affiliated with Experian (formerly TRW) Credit Bureau information through a dial-up modem. Experian is used when contact by phone with the debtor is not available and collection personnel are trying to identify location and locate assets. The latest credit reports are available instantaneously. Where there may not be current credit application, we enter what is called an Automated Watch Search. This service places the account with Experian so when a potential responsible party applies for credit, our agency will be notified of all updated information with regard to the debtor.

Medical Management Consultants, Inc. lists all open collection activities on debtors' credit records. This information is communicated to the bureau on a monthly basis. It becomes effective when an individual applies for credit and the open collection appears on his/her credit report. In these cases the potential credit guarantor will usually require that the collection be cleared before credit is issued. There is no dollar limit on this procedure.

We also have our own skip tracing department whose sole purpose is to aid collectors with location information.

American Collector's Association (ACA) is also used to provide updated location information.

Agency initiated cancellations are limited to bankruptcies, write-off balances due to contractual agreements, and write-offs due to settlements with attorneys.