About us

At SIGMA  SOLUTIONS PUNE (SSP), we offer dedicated and reliable account collection services across diverse stages of delinquency. We understand that negotiating for a debt settlement calls for a high degree of specialized skills, knowledge, and professional expertise. Hence, we provide and effective debt recovery system that is significantly efficient in the Account Collection services. We have the expertise in recovering debt across different stages of delinquency, which includes primary, 1st party, pre-charge off, secondary, tertiary, quints and quaternary, and work on different products ranging from retail charge cards, bank cards, personal cards, signature, auto loans, telecom, and lines of credit. We strive to adhere to the proven principles of negotiations, creating, intrinsic mutual benefits. We maintain a close contract with the debtor, which helps us to effectively evaluate genuine financial crunch situations and stalling excuses for non-repayment of debts. Our comprehensive debt collection services include: 

• Skip-Tracing 

• Pre and post-charge-off collections 

• Pre-litigation

DFS offers comprehensive and reliable accounts verification services. Our business portfolio includes verification for credit cards and loans, identifying fake or delinquent accounts that have a poor credit history. At the same time, we also provide post claim verifications for insurance effectively identifying and reporting false claims. Our specialty includes criminal record verification, documents and database verification, and court record verification.

SIGMA  SOLUTIONS PUNE (SSP) collects both disputed and undisputed debts throughout the PAN INDIA primarily through the efforts of our efficient collection staff.
Disputed debts are typically contested on the basis of a contract. Some recurring issues include aspects of liquidated damages, authority and agency, breach, offer and acceptance, and the validity of forum selection clauses. When debts are disputed, we seek to act as mediators. Our goal is to resolve the problem without having
    

to file a lawsuit. Lawsuits raise the client's costs, extend the time needed to collect, and create the possibility of the debtor filing a counterclaim. Early intervention helps to prevent collection matters from escalating into lawsuits. However, sometimes, issues cannot be resolved without filing suit. In such an event, we can commence legal proceedings through our comprehensive legal network. 

The heart of our collection efforts is our in house collection department. While we send demand letters (often certified), e-mails, and faxes to debtors, it is our collector's' persistence, intelligence, and resourcefulness that frequently result in successful collections. The advantage to our clients of having SIGMA represent them throughout the collection process becomes more apparent when the debtor is represented by counsel (in-house or retained). Collection efforts against companies represented by counsel entail a legal contest. It is in these instances that our legal expertise benefits our clients. 

Undisputed debts also require great persistence. We are unyielding in our efforts to contact the appropriate party at the debtor company. The professional, courteous tenacity of our collectors is invaluable in collecting these debts. 

However, what is most important to realize about WAR's collection techniques are that we always seek to preserve (when possible) our clients' relationship with their debtors. Our professional negotiating style results in immediate monies collected, and more importantly allows them to maintain an on going business relationship with the debtor. Courteous persuasion in conjunction with the obvious threat of future collection efforts, or even litigation, can result in the collection of your outstanding debt, while maintaining the potential for the sale of future services. Simply stated, our method of "reinstatement," turns a potential loss into future profits. 

At SIGMA  SOLUTIONS PUNE (SSP) Skip Tracing is a process that uses modern investigative skills and tools to re-establish communications with transient debtors. Skip Tracing is the single most important process employed in the recovery of delinquent receivables. The SKIP staff is continuously trained in state-of-the-art skip tracing techniques, tools, and etiquette. Our staff has the ability to select the best methods to locate "lost" debtors on a case-by-case basis. By organizing all available bits of information regarding the debtor on our computer system, we are able to develop effective strategies for the diligent pursuit of negligent debtors. 

A partial list of SKIP databases includes: 

• References from the debtor's credit application(s)
   
• Neighbours- past & present
   
• Directory Assistance
   
• Internet Search Engines
   
• Telephone Directories - Surname search
   
• Credit Bureau reports - (D & B, Experian)
   
• Licensing bureaus, organizations, and agencies to which the debtor may belong
   
• Banking and financial references
   
• National Change of Address databases
   
• Current or previous Employers
   
• Department of Motor Vehicles (if applicable) 

SIGMA  SOLUTIONS PUNE (SSP) skip tracing service is like hiring a private eye! The information you give us is the clue we need to solve the “credit crime”. Whitney & Richardson, Inc.'s skip tracing procedures involve communications with third parties and searching many public and private databases. We also understand the delicate nature of these questions and maintain the debtor's confidentiality during any such contact with these resources.