Collections Procedure: A new file is added to our system. The initial demand letter is mailed out the same day. The file is immediately assigned to a professional collections account manager. Suit is then filed (when applicable) and the debtor is served with a Summons and Petition. We are required by law to give the debtor 35 days in which to file an answere to the suit. On the 35th day, and if no answer was filed with the Court, the file is reviewed for a Default Judgment. Contested matters are litigated to Judgment as soon as possible. Once Judgment is filed, the assigned collector will contact and give the debtor the opportunity to settle the account or make payment arrangements. If no payment arrangement can be made, the file will then be reviewed for its garnishable possibilities.