Okaloosa County BOCC — September 16, 2014 — PennCredit Proposal — reading text

MvcsaLstadssalaloaldocsloctbdabesoll th ccloall Okaloosa County EMS MMIDDIYYYY [Account Number] — [S!HH#H# DETACH AND RETURN WITH PAYMENT TO EXPEDITE CREDIT TO YOUR ACCOUNT JF PAYING BY VGA, MASTERCARD OF DISCOVER, FILL GUT BELOW om) usa Clwssrencano Kiows Cloecoven Fs anaes Bae = REF Visit http://aceaunt, penneredit.com to pay yaur bill online. Payments reoelved by check will be electronically daposited, unless you pay by non-consumer type check. You may opt out of this program by paying with a money order or a travelers check. In the unlikely event your check (payment) Is returned unpaid, we may elect to electronically (or by paper draft) re-present your check (payment) up to two more limes. You also understand and agree that we may collect a return processing charge by the same means, In an amount not to exceed ID NUMBER: C9860674 PENN CREDIT Fb S$ Luth st PO BOX 988 HARRISBURG PA 17108-0488 oval DocedissBUM Las bead fda Page - 37 alslestsbiatsbes 91203-CPPPC-26 RFP # EMS 63-14 Service @ Integrity * Results PennGreait MM/DDIYYYY Hours: Mon-Thur 8am-10pm EST Fri 8am-5pm EST CLIENT: [Cllent Name] Sat 8am-12pm EST ID NUMBER: [Account Number] Phone: 800-900-1368 TOTAL BALANCE DUE: [S##H###] BROKEN PROMISE You have not made your payment as promised. # is Important that you either make payment or contact our office today, This Jetter is from a debt collection agency. This is an attempt to collect a debt. Any information obtained will be used for that purpose. SERVICE RENDERED SERVICE DATE ACCOUNT NUMBER BALANCE MMIDDIYYYY [Account Number] — [S#####.###) ATM DETACH AND RETURN WITH PAYMENT TO EXPEDITE CREDIT TO YOUR ACCOUNT IF PAYING BY VISA, MASTERCARD OA DISCOVER, FILL OUT BELOW P.O Box A254. Department I2047 Oaks. PA 2UYSL Own Cluserenoano Sue! Corscoven ital CHANGE SERVICE REQUESTED emer Pane HONEA TE one ial Visit http://account. penncredit.com to pay your bill online. Payments received by check will be electronically deposited, unless you pay by non-consumer type check. You may opt out of this program by paying with a money order or a travelers check. |n the unlikely event your check (payment) Is returned unpaid, we may elect to electronically (or by paper draft) te-present your cheok (payment) up to two mora tines, You also understand and agree that we may collect a return processing charge by the same means, In an amount not to exceed that as permitted by state law. ID NUMBER: C0314108 91203 - 94 #BWNJHBY PENN CREDIT #904273261 29900844 4lb S 14th ST [Debtor Name] PO BOX "6a {Address Line One] HARRISBURG PA 17108-05988 [Address Line Two} loa lesteallflsolalalbsultedulteddulsbichaddl lovall fates sfevfocellauobaditedatacaatdsfeallaantelsslaladl ew fl 91202-CBPPA-94 Okaloosa County EMS RFP # EMS 63-14 Page - 38 Service * Integrity * Results PennCGrecit snappy Hours: Mon-Thur 8am-10pm EST Fri 8am-5pm EST Sat 8am-12pm EST Phone: 800-900-1362 . [Client Name] a aeR: [Account Number] TOTAL BALANGE DUE; [‘i###.##] STATEMENT OF YOUR ACCOUNT(S) Please continue to make your monthly payments. If you wish to automate your payments please contact our office or go online at account.penncredit.com. This letter is from a debt collection agency. This is an attempt to collect a debt. Any information obtained will be used for that purpose. SERVICE RENDERED SERVICE DATE AGCOUNT NUMBER BALANGE MM/DD/YYYY [Account Number] — [S#######] g ETO ' DETACH AND RETURN WITH PAYMENT TO EXPEDITE CREDIT TO YOUR ACCOUNT JF PAYING BY VISA, MASTERCARD OA DISCOVER, FILL QUF BELOW P.O Box 12555 Department 4104? im Oaks. PA US4Sb Cea EE) Chworenaan Closcoven CHANGE SERVICE REQUESTED peonnese prone HARE om Visit http://account. penncredit.com to pay yaur bill online. Payments received by check will be electronically deposited, unless you pay by non-consumer type check. You may opt out of thls program by paying with a money order of a travelers check. In the unlikely event your check (payment) Is returned unpaid, we may efect to alactronicalty (or by paper draft) re-prasent your check (payment) up to two more times. You also understand and agree that we may collect a return processing charge by the same means, In an amount not to exceed that as permilted by state law. ID NUMBER: £0358372 1203-2 #BWNJHBY PENN CREDIT #9042704924118282# 1b S LYuth st [Debtor Name} Po BOX 488 ladaress fine wel HARRISBURG PA 17108-0988 mss ene tk UovalMbaadsoal Taralealallovelebateafeludslacllealscabll VvvallalatuscafMlavealabsssDaafatsoabaaatMMlasellavatdal a eel 91203-STMPC-2 Okaloosa County EMS RFP # EMS 63-14 Page - 39 PennGr Service * Integrity « Results Pi en in Cr ed lia NOTIPICACION DE COLECCION MM/DDIYYYY Horario: Lunes a Jueves, de 8 a.m. a 10 p.m. Viernes, de 8 a.m.a5 p.m. CLIENTE: Sdbado, de 8 a.m.a 12 p.m. Ne DE CUENTA: 800-900-1380 CANTIDAD QUE ADEUDA: Nuestro cliente ha remitide su(s} cuenta(s) en mora, de referencia a continuacion, para cobro. Nuestro cliente considera muy scriamente el cobro de dinero que se le adeuda y yo estoy seguro de que usted tiene la intencién de honrar su deuda, Envie el pago utilizando el sobre adjunto o también puede realizar el pago en linea a http:/faccount.penncredit.com, o comunicarse con nuestra oficina para pagar por teléfono. Comunt{quese con nuestra oficina si no puede pagar 1a cantidad adeudada. A menos que envie una notificacién a esta oficina dentro de los 30 dias después de recibir esta notificacién, cuestionando la validez de esta deuda o una parte de la misma, esta oficina consideraré que esta deuda es vlida. Si notifica a esta oficina por escrito dentro de los 30 dias luego de recibida esta notificacién, esla oficina oblendré la verificacién de la deuda 0 una copia de un fallo, y le enviaré por correo una copia de ese fallo o verificacién. Si usted realiza una solicitud por escrito a esta oficina dentro de los 30 dias luego de recibida esta notificacién, esta oficina le proporcionard el nombre y la direccién del acreedor original, si fuese distinto del acreedor actual. Esto es un intento de cobrar una deuda por parte de un cobrador de deudas y cualquier informacién obtenida se utilizard para ese fin. Los detechos importantes arriba incluidos se aplican a cada cuenta de manera individual y usted tiene el derecho de cuestionar cualquiera o todas las cuentas incluidas en esta notificacién, En caso de que opte por ejercer sus derechos importantes arriba incluidos, indique qué cuenta(s) cuestiona. SERVICIO PROPORCIONADO: FECHA DEL SERVICIO Ne DE CUENTA. CANTIDAD Our ADEUDA ME P.O Box 1259. Department F104? p aks, PA WNS6 Duss SEE Cnsrencana So Flowooven Nigh CHANGE SERVICE REQUESTED PNdnteew deTarjeta Pecka do Vencioienta URNA NAN ro sa Pague en linea con tarjeta de credito en http://account.penneredit.com, Separar y volver con el pago para acelerar el crédito a su cuenta SIVA A PAGAR USANDO: MASTERCARD, DISCOVER, 0 VISA, FAVOR ILENAR BS, ESPACIO DUBAJO} Los pagos recibidos por cheque serdn depositadas electrénicamente, a menos que usted paga por cheque de tipa no consumidor, Usted puede excluirse de este programa mediante pagar por im giro postal o un cheque de viajero, Bn el caso improbable de que se le devuielva el cheque (pago), podemos opter por via electrénica (0 por documento papel) volver a presentar su cheque (pago) hasta. dos veces mis, Usted también entiende y acepta que podemos cobrar un cargo de procesamiento de devalucién por ¢l mismo medio, en una cantidad que no exceda lo que esté permitido por la ley estatal. ID NUMBER; 60206277 91203-4 #BWNJHBY PENN CREDIT #9042727300351 540# Gib § 14th ST Debtor Name] PO BOX 98a Address Line One] HARRISBURG PA 17108-09848 [Address Line Two} Java Mbsateeal ecelulallaeehfealedhdasfebadsfuatiabll VreslDLseLessPedselDaslsDotsLiezsLeLIdarsaldusleal stele ul 91203-NEW-1 Okaloosa County EMS RFP # EMS 63-14 Page - 40 PennGreadit Service ¢ integrity * Results Legal Collection Capabilities (Optional Service) Penn Credit has provided full-service litigation services and acted as the liaison between our clients and our collection attorneys continuously since 1987. The scope of our collection attorney network covers the United States to deliver the highest level of return on accounts. When necessary, Penn Credit will retain counsel to litigate in areas where we do not have counsel. If a consumer remains unwilling to work out reasonable repayment of defaulted debt obligations, account review for possible litigation will begin. Penn Credit’s legal forwarding department will submit suit/direct garnishment authorization requests to the County once internal criteria are met and approved by the VP of Collections. Once approval is received from the County; our legal package will be forwarded to an attorney. The County must be willing to provide the following: ¢ Complete documentation of the account ¢ Validation of the debt e Statement of non-military service e Signed affidavit of the account * Awitness when necessary Criteria for Litigation ¢ In the absence of County standards Penn Credit will use a minimum balance of $1,500.00 * Our collector has exhausted all voluntary means of collection * Specific contractual requirements Assets verified and/or located * Checking, savings, or other bank accounts where permitted « Home ownership ¢ Employment ¢ Locate liquid and non-liquid assets, which will secure the debt until sold or transferred * Rental property and other deposits During the entire litigation process, Penn Credit will handle all reporting requirements and will customize litigation reports based on client specifications. Payments applied to accounts will be reported on a regular basis to be determined by the client. At the present time Penn Credit performs the following two types of litigation processes: ¢ Accounts that must go through the due process of litigation (actual suit) * Accounts where we have the authority to do direct garnishment as permitted by individual State and/or Commonwealth laws and statutes Okaloosa County EMS RFP # EMS 63-14 Page - 41 Service ¢ Integrity * Results INFORMATION TECHNOLOGY Our collection activities are conducted on an in-house developed, completely automated, accounts receivable management system. This software, designed and written entirely by Penn Credit’s IT staff, provides quality and versatility to our clients. Because we are independent of an outside source to customize changes, we are able to efficiently tailor software changes to meet the needs of our clients. Penn Credit’s in-house developed collection system promotes “total recovery efforts” on all accounts placed for collections. Penn Credit routinely utilizes our customized software to: ¢ Maximize strategic follow-up on all collection accounts in our system ¢ Monitor and review collection activity ¢ Support the flow of relevant data through reports, remittances, and interfaces ¢ Calculate interest and penalties as necessary * Customize performance reporting and collection letter series * Recognize and react to specifically coded accounts ¢ Customize collection letter series and telephone scripts ¢ Automatically link multiple accounts We have a professionally staffed Information Technology (IT) Department with systems programmers and support specialists onsite. Our IT staff designed and developed the Penn Credit collection system that controls, monitors, schedules, stores, and provides information for our collection activities. The current version of Penn Credit’s collection system, FUSION, ensures ease of use and maximum productivity for our collection staff through the following: ¢ Next generation graphical user interface (GUI) with an integrated web browser ¢ Ability to directly integrate Java technologies into the FUSION architecture e FUSION objects have the ability to execute on any platform running the Java Virtual Machine including Windows, Linux and AIX « Hardware includes: * IBM p-Series server running AIX operating system e