NSF check collection and check recovery can be a burden on a merchants business. Through our strategic scheduling system, we are able to recover about 75% of bad checks without ever contacting your customer. We simply recover NSF checks electronically for you and your customer doesn't have to receive an embarrassing phone call. Your customer will not have to bring in a money order or cash either. Now is the time to have a reputable company ready to take care of your returned checks. Because of the privacy legislation enacted several years ago, most banks are not releasing information of funds availability. This means that they may tell you if the account is open or closed but not if there is sufficient funds to cover the check. We started using "STRATEGIC SCHEDULING" when this happened and our collections have not suffered at all. We collect your returned checks while you maintain a good relationship with your customers. For items not eligible for RCK or that the electronic representment has failed, we use traditional NSF check collection methods. Our agreements are for merchants that receive at least three returned checks per month.

RCK and traditional bad check collection is free to merchants because the fee is paid by the check writer. With Consolidated Returns you can realize a phenomenal savings on bad check return fees charged by your bank. Our fee for returned items can reduce your return fees by 60% or more than you are paying now. Participating merchants receive a rebate to cover the bank charge in some states. In other states merchants qualify for bank fee reimbursement with a minimum number of checks collected electronically. With our electronic NSF check collection system, no notification of returned checks will have to be sent. We offer traditional returned check collection to merchants as well. While traditional returned check collection in itself is not as effective as electronic representment, it still has a use for items that are not eligible for RCK processing or the RCK efforts have been exhausted.

There are many Benefits we offer over other companies.

• We do not charge you to collect any NSF checks recovered that are up to two years old.
• The check writer pays for the returned check, NOT YOU

When you let us handle your check recovery problems, you know that we are dedicated to collecting your money. We accept checks for collections up to two years old.  We perform electronic and traditional collections and at your request we will forward items to our attorney group for further action on any uncollected items. We will also report uncollected checks directly to the credit bureau at your request. We are committed to providing the best possible service to our clients while maintaining the standards set by the FDCPA.