Becky Baumann Commercial Services Group

Contractual agreement Solid documentation Different type of obligation

Cost-effective Built for follow-up Shows seriousness Solid partner to consult and handle issues Litigation

Documentation Urgent and Consistent Process Non-Discrimination Buy-In From Company Willingness To Be Fair

Business Manager notifies the payroll department/mobility team Business Manager discusses the terms of the payback with employee when possible. Payroll deducts wages when applicable from last paycheck Payroll informs mobility team of balance remaining Mobility team sends out one or two letters Legal team writes a letter or in-house collections team attempts to collect All in-house efforts are ignored and balance is sent to the agency to collect

Employee Resigns or Leaves Business Manager notifies Payroll regarding termination Payroll may or may not deduct from last check Mobility Team sends out a letter requesting balance due- 15 day demand Mobility Team sends account to the agency for collection efforts

Employee terminates Payroll completes final deductions when possible Mobility Manager sends a letter informing employee that the agency will be contacting them to make arrangements for balance owed. Agency begins collection process

Track record Understands dynamics of balance owed- gross up issues Data security Compliance Understands company culture Audit capabilities Strong communication and reporting FDCPA

State YearsStateYears Alabama 6 Montana 8 Alaska 6 Nebraska 5 Arizona 6 Nevada 6 Arkansas 6 New Hampshire 3 California 4 New Jersey 6 Colorado 6 New Mexico 6 Connecticut 6 New York 6 Delaware 3 North Carolina 3 Florida 5 North Dakota 6 Georgia 6 Ohio 15 Hawaii 6 Oklahoma 5 Idaho 5 Oregon 6 Illinois 10 Pennsylvania 4 Indiana 10 Rhode Island 15 Iowa 10 South Carolina 3 Kansas 6 South Dakota 6 Kentucky 15 Tennessee 6 Louisiana 10 Texas 4 Maine 6 Utah 6 Maryland 3 Vermont 6 Massachusetts 6 Virginia 5 Michigan 6 Washington 6 Minnesota 6 West Virginia 10 Mississippi 3 Wisconsin 6 Missouri 10 Wyoming 10

 Becky Baumann  Commercial Services Group  