This is an attempt to collect a debt by a debt collector, any information obtained will be used for that purpose.
Frequently Asked Questions
To Our Valued Client,
Automated Accounts, Inc. would like to thank you for being a very special part of our family.
AAI attempts to create a “White Hat in a Black Hat Industry” centered on customer needs. That is, we start with the end in mind and create policies and procedures to ensure the desired results. Our Customer Service policies have always promoted goodwill between our client and their customers. We believe in treating all consumers with dignity, in the hope of maintaining your reputation with your customer.
We have provided some Frequently Asked Questions and hope this will answer any questions you may have.
Can I, as the original creditor, accept payment from the consumer should they offer to pay me after I have listed the account for collection?
Answer: Yes, you may accept the consumer’s payment. This may be the fastest way to recover the monies due to you. It is very important that you immediately notify the agency of the amount paid. This can be done by phone, fax or mail. You may also report payments if you are using our website at www.automatedaccounts.com. If you do not have a log in and would like to access Qwik Client, please contact our office.
You will be billed for the commission due to the agency.
The Account was paid in less than 30 days after listing it for collection. Do I have to pay commission on that amount?
Answer: Once an account has been officially listed for collection with our agency, commission is due on all monies recovered.
Are insurance payments and Worker's Comp payments subject to commissions?
Answer: Most insurance payments and Worker’s Comp payments are made long before a client considers turning an account to collection. When the agency’s representatives become involved in resolving any problems that have delayed these payments, there is normally significant time and money invested in the recovery of the account. Therefore, unless the payment was received by our client during the pre-collection period, a commission is due. Any applicable insurance adjustment that is in combination with the payment received is not subject to a commission; however, we do adjust the balance due accordingly.
May I contact a consumer regarding their bill after the account has been listed for collection?
Answer: There is an extremely high risk of causing the agency to be in violation of the FDCPA. Interest may accumulate at a slightly different amount due to minimal differences in computer systems. The amount being billed by the agency and the original creditor may be conflicting and confusing. The consumer may be double billed for the same amount and may have genuine grounds to charge the agency with harassment and other violations of the FDCPA.
Accounts you choose to peruse yourself will be canceled and returned to your company.
You can accept calls from the consumer, answer questions, provide documentation, accept settlement arrangements etc. If you have contact with the consumer, please let us know so we can represent you adequately and stay informed of all the facts in the process of recovering the debt.
Does a consumer have the right to contest any claim/charges made against them?
Answer:
Yes, a consumer may contest any claim/charges made against them. Under the FDCPA (Fair Debt Collection Practices Act) any consumer submitted to collections by a creditor can dispute the validity of any claim made against them. The dispute process is preferred to be in writing by the consumer and once the agency receives the dispute the agency will then forward a copy of the written dispute to the original creditor for review and a written response is preferred back to the agency. With all of the aforementioned information in hand the agency will determine if there is any validity to the consumers claim. The vast majority of consumer disputes are not valid! During the dispute process the account is placed on hold, until a determination is made on the validity of the consumer claim. If the dispute is valid, the account will be cancelled from the agency as noncollectable; adversely, if the dispute is not valid the account is taken off hold and collection efforts continue.