Professional and experienced credit and collection representation
With an experienced staff of professionals serving you, you will have peace of mind knowing that each account is handled with excellent customer service. We also provide comprehensive training for all new account representatives and provide one-on-one structured on-the-job training to ensure exceptional performance. You can rest knowing your accounts are handled by a professional, bonded, and licensed agency.

Efficient collection methods
CTI uses the latest in office technology to streamline and maximize effective collection activities. Ontario Flexible Automated Collection System (FACS) collection systems provides effective contact follow-up and daily electronically transmitted accounts.

1. Our unique Customer Master File system consolidates multiple account customers to stream line and focus customer follow-up.
2. Database search tools help to screen bankruptcies, fraudulent, and other low-yield accounts.
3. Check Writer technology allows fast and simple wire transfer or overnight delivery of payments.
4. Consistent follow-up of account customers is provided with an automated notice and letter generator.
5. Finally, sophisticated screen interfaces provide detailed documentation, quick access to account information, and integration of third-party services.

Location of hard to find debtors
One of CTI's most effective services is its skiptracing service. We have developed skiptracing to an art. Our unique skiptracing methods skiptraces every account immediately regardless of the account balances.
The skiptracing method is done in two phases. The first phase analyzes the account for available demographic information by utilizing several sophisticated databases. The second phase utilizes credit bureau file information.
We use proprietary databases, Accolaid, Metromail, NCOA, and on-line phone directory services to access updated account information. In addition, to ensure the quality and dedication of this service, we have developed a separate and distinct skiptracing department combined with experienced collectors who possess outstanding skill competencies.

Superior quality control for each account
With fantastic payment numbers, we ensure quality control measures for each account.

1. The FACS automated system is compatible with CTI's checks and balances procedures for all account handling. These procedures make certain that all accounts are effectively processed and that all collections avenues have been exhausted before account termination.
2. Quality procedures also include detailed account activity documentation and random audits. CTI can produce reports on each account representative's daily work effort and their data entry tasks. This information allows for the monitoring of each account to ensure quality standards in customer care and account activity. In addition, the report communicates important account status and forecasting statistics such as the number of accounts that are likely to pay, in need of comprehensive skiptracing, or expected payments.
3. Finally, daily reviews keep managers, supervisors, and account representative informed of the work effort assigned to each account. CTI's quality program assures excellent account focus, statistical account updates, full audit trails, detailed documentation, and consistent monitoring of accounts for adherence to exacting quality standards.

Quick and secure payment process
We have reduced the time to process payments.
Wire transfers, Western Union checks, and internally generated customer checks speed the payment process. Our internal controls effectively safeguard payments and permit proper cash recording and cash handling procedures.
These procedures include documentation and review of updated bank information (name, location, account number, routing number), and changes to customer's personal information.
The updating of account payment histories and other account information supports accurate accounting and efficient payment tracking.

Specialization in the handling of bankrupt customers
Every account at CTI is analyzed (scrubbed) using Banko. Banko's database feature is designed to produce current bankruptcy information on a national scope. Accounts that match Banko database profiles are coded and forwarded to a CTI bankruptcy specialist. Our specialist verifies the bankruptcy status of the account. Depending on the account balance, the bankruptcy specialist will request copies of the petition in bankruptcy to verify that the claim has been scheduled properly.

Training and employee development
CTI's exceptional record in collections is because of the people who work for us. They are exceptional too. Exceptional in the skills they possess and their knowledge of customer care.
To maintain a high standard of skill competency, CTI provides comprehensive training and employee development. Regardless of the account representative's years of experience, each new representative is required to take a minimum two-week training orientation.
Each representative is educated in the fundamentals of collection methodology and company values. Follow-up seminars and classes are offered on an ongoing basis to all employees. We have discovered that our extra attention to employee development and training has been a definite return on investment.
We have enjoyed higher levels of employee motivation, retention, and performance. You will recognize this difference too once you have had the opportunity to work with our fine staff of professionals.