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DELINQUENT ACCOUNT COLLECTION SERVICES At SIGMA 

, 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 

ACCOUNT VERIFICATION 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.

CONTINGENT COLLECTION SERVICES SIGMA

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.

SKIP TRACING 

At SIGMA 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 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.  

THIRD PARTY TRADITIONAL COLLECTIONS SIGMA

offers third party Collection services to a variety of clients - including credit card collections, Personal Loan Collection, Business Loan Collections, Home Loan Collections, Auto Loan Collections Consumer finance and Commercial clients. Optimum Service with minimal costs. SIGMA offers collection services on a commission basis , which means the client pays a small commission for the money that we recover and does not get charged for the attempts. SIGMA does not believe in binding the clients with an annual collection contract as our program is set up on a "per account" basis. B2B & B2C collections Third party collection involves both B2B (Business to Business Accounts) Collections and B2C (Business to Consumer Accounts) collection Various Collection Process: 

•  Debt Loaded into our system 
• Attempt to locate debtor through search if no contact
• Once contact made, negotiating a payment plan 
• Work to ensure the payment materializes
• If no payments recommend legal action 

OTHER SERVICES 

No matter the size of your business or the volume of debt owed, we are the solution to your unpaid receivables. SIGMA offers you two forms of collection styles and allows for your choice on every account. Regardless of which style you choose, we vow to treat all of your customers with dignity and respect. We do not tolerate harash techniques, abusive or foul language or "dirty" tactics. 

HARD COLLECTION 

Hard collections are typically used for customers who refuse to respond to your invoices or phone calls. You have been manipulated with "the check is in the mail," but have not received payment. We adhere to the Fair Debt Collections and Practices Act, but take a firmer approach to collecting debt with both phone calls and for visits. This is used when the debtor does not want to pay and the sole interest is in collecting the money owed.

SOFT COLLECTION

Soft collections are generally used for those customers with whom you still do business. Although, we do not recommend a soft approach, we will use this during every contact with whom you decide. 

CUSTOMER IDENTIFICATION LOCATION

At SIGMA , we have our own Skip trace team who specializes in Skip searches and tracing the whereabouts of missing customer using the latest search engines on the internet. Comprising of a highly motivated and professional team SIGMA has utilized this experience to offer an all-inclusive team of highly trained investigators whose purpose is the expedient and accurate identification of customers. Through in-house techniques developed at SIGMA , the Trace Unit utilizes several types of On-Line database searches. This includes but not limited to:

•  White Pages / yellow pages
• Land Data Property Ownership Database
• Population Index Electoral Roll 
• Just Dial Services • MTNL & BSNL
• Goggle search engine 
• Facebook, Tweeter, Linked IN
•  Naukri.com
• Calling communication Our system cross matches suburbs and postcodes to verify the data and any anomalies are rejected for the load operator to view and correct where appropriate or forward for immediate skip action. This has allowed Charter to: 
•  Readily identify inaccuracies and the quality of data referred 
• Capture customer details accurately to enable efficient mail delivery 
• Provide effective address management Phone inquiries are also conducted on every matter to validate each result. Searches are not strictly limited to individual customers but have been followed to companies and businesses. This information, employed with the in-house investigation techniques produce high quality results that leads to the location of customers. FIELD CALLS Sigma has DRA Trained team for field visits