Client Services
Carmel Financial Client Services manages third-party billings on a contract and fee service basis for organizations that carry installment or revolving receivables in house.
Because of mass economies of scale combined with state of the art technology, Carmel Financial can offer customers a much lower billing cost than they are now realizing.
• Billing Only Services
• Billing And Collection Services
• Collection Agency Services
• Credit Contract Underwriting
Accounts Receivable Billing Management
Need help managing your in-house accounts receivables? With our Client Service billing management services, you can increase your profits by eliminating the need for an internal operation. Even better, you no longer have to worry about hiring and training accounting or billing clerks and collectors. Client Services will take care of everything!
• Facilitation of revolving credit, installment loans, rule of 78 leases, non-interest bearing notes, commercial account memberships or any type of payment system you desire
• Advanced billing technology with state-of-the-art billing equipment
• Customized Statement design
• Payment processing lock box facilitation of payments
• Electronic funds transfer processing
Collection Services
Don't have time to deal with past due customers? Client Services can help you recover losses on past due accounts of 30, 60 or even 90 days or higher. Using highly-advanced phone equipment, we can dial up to several thousand numbers an hour to ensure that your customer is contacted when their payment is past due. Each of our phone collectors is expertly trained and knowledgeable of the Fair Debt Collections Practices Act.
• Collection services can begin as soon as five days past due
• Collection letters drafted and mailed to your clients
• Collection services available on past due accounts seven days a week – morning, afternoon and evening hours
American Accounts Management
As a subsidiary of Carmel Financial, American Accounts Management can provide you with professional collection services. As an outsource provider for you, AAM can help you regain control of your receivables and enhance your bottom line.
• Credit Reporting
• Pre-Collect
• Letter Service
• Bankruptcy Management
Credit Contract Underwriting
Does your organization need the ability to do its own credit underwriting? Carmel Financial can integrate your credit underwriting standards into our credit management approval system. As an outsource provider for you, Carmel Financial can approve credit under your guidelines.
• Detailed credit reports with analyzed data
• Credit denial letters drafted and mailed
• Can report credit history under your merchant account to the credit bureau
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