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CCM Recovery Process

1) The recovery process begins with the receipt of the file:

• Electronic Files
• Paper Files

2) File Review and Verification:

• Credit Bureau report review
• Bankruptcy screening
• Statute of limitation review
• Documentation review
• Counterclaim review
• Balance verification
• Proper venue verification
• Proper plaintiff verification
• Defendant’s location verified

3) A file is not suit worthy if it has:

• Legal limitations
Bankruptcy
Statute of limitations
• Credit limitations
No capacity to repay
• Documentation limitations
Poor or inadequate documentation

*A file that is not suit worthy is returned or becomes an agency placement.

4) The process for a suit worthy file begins with:

• Plaintiff Demand
Formal demand letter
Telephone contact

5) Establish Voluntary Payment Plan:

• Evidenced by:
Confession judgment - pre-suit
Stipulation for judgment
Appropriate documentation for venue

*If a voluntary payment plan defaults, the plan becomes a judgment and the file proceeds to the execution stage.

6) Summons and Complaint:

• Prepare and file summons and complaint
• Serve defendant
• If defendant files an answer to a complaint
Prepare and file discovery
Or summary judgment motions
Set for trial
• Prepare and file default judgment
• File and record judgment

*Once a judgment is obtained the file proceeds to the execution stage.

7) Execution Stage:

• Garnish bank account, where permitted
• Garnish wages – all defendants, where permitted
• Attach personal property, where permitted
• Execute on real property, where permitted

8) If the defendant skips to avoid the judgment and execution::

• The judgment file follows the defendant to their new venue
• The judgment is domesticated and recorded in the new venue
• The execution continues