Systems and Methods for Advancing Collections on Unpaid Debts
First Claim
1. A method for encouraging the presentation of a series of unpaid debts from a service provider to a collection agency for pursuing collection on the unpaid debts, the method comprising the steps of:
- providing on a computer processor a debt collection service for a flat fee;
receiving a request on the computer processor from the service provider to perform the debt collection service to collect on an unpaid debt;
providing an incentive to the service provider in exchange for the request;
collecting at least a portion of the unpaid debt; and
recovering at least a portion of the flat fee from the portion of the unpaid debt that has been collected.
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Accused Products
Abstract
Systems and methods for advancing collections on unpaid debts. Incentives that provide monetary and/or non-monetary rewards are utilized to encourage, promote, enable, and/or facilitate a collection of one or more unpaid accounts. A book of vouchers may be purchased for a letter-writing service, wherein the cost of the book is subtracted from monies collected. Rewards are allocated for providing unpaid accounts to a debt collection service. The eligibility for the receipt of rewards may require certification in accordance with the present invention. Collections are advanced in accordance with the present invention due to the incentives that encourage and promote collection efforts. Furthermore, improved relationships exist among entities involved in collecting the unpaid debts because of the increased incentives.
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Citations
14 Claims
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1. A method for encouraging the presentation of a series of unpaid debts from a service provider to a collection agency for pursuing collection on the unpaid debts, the method comprising the steps of:
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providing on a computer processor a debt collection service for a flat fee; receiving a request on the computer processor from the service provider to perform the debt collection service to collect on an unpaid debt; providing an incentive to the service provider in exchange for the request; collecting at least a portion of the unpaid debt; and recovering at least a portion of the flat fee from the portion of the unpaid debt that has been collected. - View Dependent Claims (2)
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3. A method for encouraging the forwarding of unpaid debts to a collection agency for pursuing collection on the unpaid debts, the method comprising the steps of:
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providing on a computer processor a debt collection service in exchange for a flat fee; receiving a request on the computer processor to perform the debt collection service to collect on an unpaid debt; providing an incentive to the service provider in exchange for the request collecting at least a portion of the unpaid debt; offsetting at least a portion of the flat fee from the portion of the unpaid debt that has been collected; and using that portion as the offset for payment of the flat fee. - View Dependent Claims (4, 5, 6, 7)
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8. A method comprising:
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encouraging the presentation of unpaid debts owed to a service provider from the service provider to a debt collection agency for pursuing collection on the unpaid debts by; providing a debt collection education and certification program that allows a representative of the service provider to be certified to receive a reward upon the presentation of an unpaid debt from the service provider to the collection agency; providing a debt collection service on a computer processor; receiving a request from the service provider to collect an unpaid debt on the computer processor; determining if the collection request was received from a certified service provider representative; determining what reward to provide to the representative of the service provider, if any; providing the reward, if any, to the representative of the service provider; performing debt collection services; collecting at least a portion of the unpaid debt; and allocating the collected portion of the unpaid debt between the collection agency and the service provider; - View Dependent Claims (9, 10, 11)
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12. A method comprising:
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providing account management software on a computer processor to a service provider wherein the service provider can manage accounts billed to customers of the service provider; encouraging the presentation of unpaid debts owed to the service provider by the customers of the service provider from the service provider to a debt collection agency by; providing a debt collection service on the computer processor; allowing the service provider to instruct the account management software to automatically submit a request to the debt collection agency to collect on an unpaid debt after a certain amount of time has passed from the time the debt is incurred and if at least a portion of the debt remains unpaid; receiving a request to collect on the unpaid debt on the computer processor; and providing a reward to a representative of the service provider in exchange for the request; performing debt collection services; collecting at least a portion of presented unpaid debts; allocating the collected portion of the unpaid debt between the collection agency and the service provider. - View Dependent Claims (13, 14)
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Specification