Services & Products:

Domestic

We are a performance-driven, full-service Accounts Receivable Management Company—with a seven decade history, that combines certified collection professionals with powerful debt collection technology to deliver the collection results that our clients can depend on.

World leading businesses use our debt collection expertise and business process outsourcing on an ongoing basis because of our exceptional debt handling expertise and unmatched client service. Some of our clients have continuously used our services for over 35 years.

As leaders in the industry who best understands the most effective methods of efficient debt recovery for our clients, we have separate collection teams devoted to Commercial and Consumer debt recovery. These specialized teams are comprised of hand-picked collection professionals whose experience, training and collection track record best suits them for their assigned unit.

The result is that debt collection activity within these specialized areas is in the hands of dedicated professionals trained and equipped to effectively address the detailed handling requirements and specialization necessary in their respective area of expertise.

File handling within these areas includes:

3rd Party Debt Collection

As a 3rd party global debt collection enterprise, Caine & Weiner's performance is unmatched.

Files placed for collection are managed by the industry's top collectors, supported with state-of-the-art collection technology.

Throughout our national network of full-service collection centers, debtors are expertly contacted for payment by our specialized teams, utilizing state-of-the-art collection technology. Urgency is conveyed to the debtor in a skillful, results-driven manner.

Files are handled on a contingency collection basis—no recovery, no charge.

Multiple payment options are available to the debtor to include: ACH check processing, wire transfer, on-line Express Pay, check-by-telephone and acceptance of major credit cards—American Express, VISA & MasterCard.

1st Party Debt Collection & Outsourcing

Caine & Weiner's Surrogate Voice Program, is an efficient collection strategy used by many of our clients to notify their customers when their account is past due. By design, our participation is undetected by their customer.

This finely crafted and effective program is well-suited for companies who lack in-house collection staff to address their delinquent accounts on a consistent, on-going basis.

In addition to the 100% coverage guaranteed by the program, our certified collection agents interact with the debtor in a skillful, professional manner—to preserve the goodwill the client established with their customer, paving the way for a resumed relationship.

Files can be electronically downloaded for handling.

Letter Writing

Our ContactMaster service is a flat-fee letter writing program which has produced outstanding results for our clients.

Cost effective and flexible, a series of accelerated payment demands are mailed to the debtor on Caine & Weiner stationary from our Center. The FDCPA-compliant text instructs them to send their payment directly to you—our client.

When you are faced with large numbers of small balance accounts, ContactMaster is an effective solution, eliminating the need to "formally" place them for contingent collection activity.

The program is based on a flat fee basis. The cost, which covers handling, postage and mailing, varies according to the number of files placed.

Blended & Customized Programs

Features from the Surrogate Voice Program and ContactMaster can be blended to create a customized program individually tailored to your accounts receivable management objectives. The end result is a cost effective custom-made program that will lower your DSO and increase your profits.

Skip Tracing

Our tenured skip tracers specialize in locating missing debtors. To assist them, they have access to Caine & Weiner's extensive propriety database of 4 million files and 14 million additional files through Lexis/Nexis-the leading provider of public information. Other resources utilized by our skip tracers include:

• Credit Reporting Bureaus
• Near-bys & Landlords
• Property Records
• UCC-1 filings
• DMV records
• Criss-cross directories
• Tax records
• Civil & criminal filings
• Asset Location
• Business Entity Search
• Deceased Records
• Personal Locator
• Name & location of state
• Global business finder
• Judgment & tax lien records
• SSN & DOB resources
• Bankruptcy records

No additional fee is charged for our skip tracing service. A private investigator is available, if requested, on a cost "pass-through" basis.

Products

Included in Caine & Weiner's services are no-charge portfolio products, specifically designed to assist collection activity and directly benefit our clients.

PIF² Handling

File-handling is resourcefully managed through our on-going application of the PIF² collection procedure. This process—conceived through seven decades of file handling experience, ensures that each file, throughout the collection cycle, is expertly managed, and continuously monitored through close supervision.

• A Primary and Secondary specialist are assigned to each file.
• A Unit Supervisor constantly monitors and evaluates the file-handling progress.
• File-handling checks & balances ensure 100% accountability for each file.
• Before the file can be closed it undergoes a two-step management review

24/7 Internet file Access

Our CW Connect Internet resource provides 24/7 online access to your files and does not require added software or hardware. This dynamic, client-friendly tool is easily accessed through our website (www.caine-weiner.com/client-access). To guarantee complete security and file-confidentiality, your data is password-protected and contained within a secure environment, housed in a server separate from our collection software.

CW Connect enables you to rapidly access activity on your files such as system notes, payment histories, latest status and much more—including data mining.

Its intuitive customizable features make it easy to retrieve and sort file information in accordance to your preferred formats. A wide variety of custom reports, statistical comparisons, comprehensive recovery results tracking and chart-making are available at your fingertips.

A Quick Start User Guide is available online to answer additional questions about this powerful tool.

Certified Collectors

Our collectors undergo training and certification through the Commercial Collection Agency Association's rigorous certification program.

Certification encompasses a working knowledge of all aspects of the regulations governing collection activity including: implementing effective collection techniques, a working knowledge of lawsuit procedures, insolvencies, customer service and collection office management.

In addition to the increased skills and expanded knowledge derived from the comprehensive certification program, graduates—upon successful completion, are awarded the prestigious designation of Certified Collection Professional (CCP). Advanced certification is available through the Senior Certified Collection Professional program (SCCP).

Attorney Network

Caine & Weiner has established a national network of leading collection attorneys who excel in their field. Each are licensed, bonded and a member of the Commercial Law League of America

Upon receipt of the debtors' file, the designated attorney researches it and provides to Caine & Weiner an overview with a recommendation as to whether litigation is a viable option. Their recommendation is based upon several factors including the debt amount, location, operational status, the ability to serve the debtor and other relevant criteria.

Integrated Predictive Dialer:

This technology automatically dials telephone numbers, screening out busy signals, no answers, disconnects and answering machines—reducing the wait time between calls made by our collection specialist. Increased performance is derived from this valuable tool resulting in increased client recoveries.

ACH Debit:

ACH debit is an automated funds transfer process utilized by our collection agents to facilitate the electronic transfer of funds from the debtor's bank.

By providing our collection agent with their checking account information, the debtor's bank account is electronically debited—eliminating broken promises and facilitating payment without delay.

This secure "paperless process" is federal and industry-compliant.

Address Screening

This NCOA-based feature allows us to quickly ascertain if the debtor's street address is valid. The programs embedded logic allows it to initiate nearby searches and branch out from targeted locations in logical order without delay. The end result is that skip tracing activity can commence much sooner, if necessary.

Payment by Credit Card

Many debtors are well intentioned but lack financial resources. By accepting payment from them by credit card, our client gets paid sooner and the debtor can make minimum monthly payments, thereafter, to the card issuer. MasterCard, VISA and American Express are accepted.

ExpressPay

This fast, efficient bill-paying option enables the debtor to remit payment over the Internet. Within minutes their payment is securely processed via credit card or through the ACH debit feature.

Banko

Directly linked to the Federal Bankruptcy Courts Banko, allows us to quickly access their database. Thereafter timely and accurate bankruptcy information relevant to the file placed for collection is conveyed to our client.

Courier Service

In certain circumstances Caine & Weiner facilitates payment by dispatching DHL to pickup the debtors check. The cost is absorbed by Caine & Weiner.

Outstanding results have been derived for the thousands of world-wide business organizations who use Caine & Weiner's services and products on an on-going basis.