Enablekeys.SQL
This is an SQL script for ODBC users of CV11 prior to version 11.2 build 12. You can use this script to enable the indexes in your databases. This will speed up SQL queries when using WHERE clauses. There is also a Readme.txt to help you get started with implementing this powerful functionality. Visit our Member Center for Script Download. Visit our Member Center for Script Download.

Set Commission and Tax Rates and Switches
New hidden fields on the Client form enable you to directly access Tax and Commission Rates and Options. You can set the values in reports or imports and read them in reports, allowing for enhanced import and export streamlining.

During an import, client commission, tax rates and options may be set using the new Commission Rate and Commission Rate Options field specifications, as well as the Tax Rate and Tax Rate Options field specifications. Please refer to Help topic, Set Commission Rates and Tax During Import for more information.

CBR Pull Sample
Collect!'s Import/Export module enables you to process credit reports or other query results from external agencies. You can attach this information to the appropriate Debtor account and have it instantly available for reference. Download the new CBR Pull Sample package from the Collect! Member Center. The package contains sample import maps and sample files in each bureau's format, a well as a PDF tutorial to help you get started. ***This sample works with CV11.2 Build 15 and later.*** CBR Pull Sample.

Set Time Zone Package
This package contains a report and a control file that CV11 users can use to automatically set time zones for any debtor with North American area code. The package has been enhanced and expanded to work for all phone fields in order Home, POE#, Cell, Other. This control file needs to be placed on all applicable phone fields Set Time Zone.

Post-Dated Checks
The Post-Dated Checks package contains reports, contact plans and setup tips for implementing an automated solution for managing promises to pay involving pre-authorized account debits. A PDF tutorial is also included in the package which may be downloaded from the Member Center.
Refer to Help topic How To Manage Post-Dated Checks for details for more information.

Operator and Client Account Summary
This report shows a list of operators and a running total of their accounts. Each Client#/Name with Active or Closed accounts is listed with total Active/Closed accounts. Grand Totals for all clients are displayed. This report excludes operators and clients with no Active or Closed accounts.
Download the report

States Excluded Call List
This report creates a list of debtors to be called using values in the report as states to be excluded. The report prompts for Status Code, Owing and Listed Dates. Excluded states list may be modified as needed. This report prints to spreadsheet. Download the report

Reassign contacts for group debtors
This new report shipped with the Demo may be used to reassign contacts for all group members. The report stores the Operator ID for Group Member 1 and assigns this to all In Progress contacts for other members in the group.

You can also download this report from the Member Center home page. Check the right hand column for this and other handy reports. Download Reassign Contacts for Group Operators report

Dynamic Attachments Enhanced
Collect! databases now ship with Dynamic Attachments enabled. A new hidden subclass field on the Attachment form stores the dynamically set Attachment Type values. You can Browse Attachments and quickly see at a glance all relevant information. Class, Subclass and Description enable you to quickly locate and examine the information you need. Please refer to Help topic, Dynamic Attachments for details.

Prevent Cascade When Closed
You can now prevent the cascading of data to group members where the account has a Closed Mode. This is a new switch in Account Matching Setup and the Group Member Setup. Please refer to Help topic, Account Matching Setup, for details.

Auto Log Out After Command
A new command line startup option, /x{mm}, enables you to cause a particular instance of Collect! to shut down after the number of idle minutes {mm} you specify. This overrides the global Auto Log Out After value set in Database Preferences, so you can set different values in the CV11 shortcut for each workstation or for different Collect! databases. Please refer to Help topic, Command Line Startup Options, for details.

Group Member Renumbering
A new utility in the Tools, Utilities menu enables you to tidy your Group Member numbering. When you run the utility, all Group Members in each group will be numbered sequentially, removing any gaps in the numbering that may have resulted from removing members from a group. Please refer to Help topic, Utilities, for details.

Send Reports and Import via FTP
You can now use the Send Database via FTP utility to send report and/or import databases to Member Services. When the Report Libraries options is selected for file transfer, Collect! sends all report databases for the database you are in, including those for Web Host and external report libraries. Please refer to Help topic, Send Database Via FTP, for details.

Professional Account Limits
Purchasing a Collect! Professional license enables you to select an account limit of 100K or 500K accounts. Each of your databases may contain active accounts up to the limit. You can archive old accounts to give yourself more room. This enables you to pick the Collect! license that fits your budget and your business operation. As you grow, you can purchase a license for more accounts. Please refer to Help topic, Collect! Features, for details.

You've Got Claims Import Library
Collect! now ships with a Youvegotclaims import library enabling you to update accounts with returned data from your Youvegotclaims reports. A sample file is included so that you can try out the import in your Demo database. Please refer to Help topic, You've Got Claims, for more information.

Run CHECK DISK and DEFRAG often. These should be run monthly, or anytime the machines act up.

We recommend you backup critical data files before running maintenance since, if the machine is failing, the maintenance, while manipulating data files, may cause undesirable consequences and, potentially, loss of data.

Please refer to Backup Database Topics for options for backing up your files.

Run database maintenance daily until you are sure your installation of Collect! is stable and error free. Once you have operated for a week, or so, without any errors reported during data maintenance, you can safely reduce the frequency with which you do your maintenance.

These recommendations should be considered according to the volume of data at stake. You want to be able to recover very quickly should anything unforeseen happen. Keeping a recent error-free backup of your Collect! database is your safest bet.

* CV11 maintenance should be done directly at the server, not from a workstation.
* The CV11 server should be running, but no users should be signed into Collect!
* Sign into the database you wish to maintain. Make sure you are signed in using EXCLUSIVE mode.
* Select File from the top menu bar and then select Maintenance from the drop-down choices. This will display a side menu.
* Select Maintenance from the choices presented. This will display the Database Maintenance form.
* Select the START button on the Database Maintenance form to begin maintenance.
* Let the routine run to completion without interference, noting any error messages which come up. Common sources of difficulty in running maintenance are dealt with below, in the Troubleshooting section. If any others arise, contact Collect! Member Services for further assistance.

Please refer to Help topic, How To Maintain Your Database, for more information.

Lenders Implementing Collection Technology More Quickly
The credit crunch is pushing lenders to implement new collection technology more quickly than they were originally planning, according to a TowerGroup survey of senior employees at major financial institutions. 57%% of survey respondents ranked innovation in products, services and channels to be 1 of their top 3 strategies. 50%% ranked business process automation to be 1 of their top 3 strategies. 14%% already have self-service collection systems, 29%% plan to implement self-service collections in 2008. One major advantage of technology allowing consumers to self-cure is that it is less expensive to scale up than hiring call center representatives.

Lowering costs and gaining competitive advantages are two initiatives forcing the hand of many business owners and placing focus squarely on offering new payment channels with immediacy. One tool many companies are turning to is online debt negotiation. The notion of a fully "Virtual Collector" is not only attractive to owners from an efficiency standpoint but it also allows businesses to achieve true cost effectiveness as well as gain a leg up on the competition.

With Online Debt Negotiation the available options and repayment terms are individualized for each debtor in real time. Most negotiation tools use flat or reduced pricing models and since they don't work harder on larger accounts you don't pay more when you collect more. When you want debtors to participate in defining the payment plan rather than presenting them with a multiple choice, Online Debt Negotiation is the only way to go - it does not just accept/reject - it counteroffers. Businesses get a complete online payment solution coupled with the benefit of a live collector, minus the hefty commissions.

EPP offers a comprehensive line of automated payment solutions and can conduct an analysis of your business to determine which solution is right for your organization. For a demonstration of the way that EPP has helped companies like yours receive more payments and gain a leg up on their competition, contact us today by calling (877) 377-2677 or visit our web site at http://www.expresspayments.com.

Collection agencies are always looking for more ways to train their collectors to learn the way that they do business. In the past most of this training has been done externally or outside of the office. Today there are many more options for in-house training using technology. The top reasons agency owners give for using in-house training such as webinars, or e-courses are that the collectors can learn at their own pace, the training fits into their schedules, it can be done from home or remotely, it is cost effective, and many times tapes and recordings are available so that you can review or train other employees.

The main training needs for collectors include things such as certification, laws, FDCPA, rebuttals, how to treat debtors, expectations for your specific agency, collection system training, calling debtors, customers service, sales, communication and negotiating skills. When an agency hires an experienced collector they find it takes 3-5 days of initial training and when they hire an inexperienced collector it can take 5-7 days of training to get them up to speed. This can be external training or in house or a combination of both.

There are some things an agency can do to improve their recovery rates in the coming year, one of the most important being to develop a training timeline or training plan. When you have a plan to follow you will be much more successful. When you are deciding on your plan, try to determine the key elements you will want covered, be consistent and follow the plan. Just like a credit policy is a plan for a business owner, your training plan is your map for success with your employees.

Michelle Dunn, author of an award winning book, one of the Top 5 Women in Collections in 2007 & 2008, one of the Top 50 Most Influential Collection Professionals of 2007 shares her hard-won expertise on debt collection with the titles in her "Collecting Money Series". She is the founder and president of Never Dunn Publishing, LLC and her 11 year old Credit & Collections Association with thousands of members. Michelle started and ran M.A.D. Collection Agency for 8 years and has worked in the debt collection industry for 20 years.

An internationally-known expert on the topic of credit and collections Michelle Dunn is a leading authority on collecting money to businesses everywhere. Overseeing renowned authorities from the financial, legal and accounting communities, she brings them all together to bring solutions and unique opportunities to every member of her Credit and Collections Association.

Michelle is a regular contributor to the Wall Street Journal and has been featured in Forbes.com, Smart Money Magazine, MSNBC, Home Business Magazine, Entrepreneur magazine, Professional Collector, Credit & Collections Risk, the NH Business Review, and in many books and publications worldwide. Michelle has been a featured guest on (NPR) National Public Radio, the Jim Bohannon show and many other radio programs as well as being a repeat guest on television shows such as The Book Authority and Process for Profit. She has many published articles and 8 published books to add to her list of accomplishments.

In addition to writing and marketing her books, Michelle is a published columnist, an Editorial Advisor for "Collector Mentor" magazine and shares valuable credit & debt information with business owners on her blog http://www.Credit-and-Collections.com/blog

Over the last three years, DataRose has emerged as the Credit & Collections Industry's leader in electronic data exchange (EDI). Their award winning EqualXchange or EqX technology combines an artificially intelligent data translation engine, the ability to move and present large volumes of data with exceptional efficiency, and user interfaces that facilitate performance analysis, collaboration, and client reporting.

Basically, here's how EqX works. Let's say you are an agency with 25 clients. When any of your clients have new accounts for you, they upload them to EqX in whatever data format they prefer. EqX receives the data, programmatically translates it to your Collect! formats, and then delivers the data to you. When you have updates for your clients, you upload them to EqX in your Collect! format. EqX receives your update files, translates them to the preferred formats of the respective clients you are sending data to, and notifies the clients that they have updates. This can be done daily on a fully automated basis. Your clients can then download the updates in their preferred formats. Before or after downloading, your clients and you can view all of your accounts, on-line, using the EqX user interface. You see what they see, at the same time. Collaboration is made easier. Plus, both you and your clients can use EqX to analyze and report on collections status, activity, and results. So, there's really no more need to create and send monthly reports. And, there is certainly no need to create and maintain a client web portal. All this, without using any interfaces!

DataRose

866.896.8080
info@datarose.com
http://www.datarose.com
EqX Outsource Management ©

In the instant case, the consumer plaintiff applied for a personal loan from the creditor defendant and provided her home, wireless, and work telephone numbers on the loan application. She also provided her wireless telephone number on other correspondence with the defendant. The plaintiff subsequently defaulted on the loan and the defendant attempted collection of the outstanding amount, including placing autodialed and prerecorded message calls to the consumer's wireless telephone number. Both parties acknowledged the plaintiff never requested the defendant not contact her wireless number.

The plaintiff filed suit alleging the defendant violated the TCPA by placing autodialed and prerecorded message calls to her wireless telephone without her prior express consent. Each party moved for partial summary judgment to seek a determination from the court whether the defendant had the plaintiff's prior express consent to call her wireless telephone number using an autodialer.

The defendant argued that by providing her wireless number in the credit application and in subsequent communications, the plaintiff gave her express consent for the defendant to call her wireless number. The court determined the TCPA requires such consent must be expressly provided for the particular act of placing an autodialed or prerecorded message call to a wireless number.

The TCPA provides in pertinent part:
It shall be unlawful for any person... to make any call (other than a call made for emergency purposes or made with the prior express consent of the called party) using any automatic telephone dialing system or an artificial or prerecorded voice... to any telephone number assigned to a paging service, cellular telephone service, specialized mobile radio service, or other radio common carrier service, or any service for which the called party is charged for the call...

47 U.S.C. § 227(b)(1)(A)(iii) (emphasis added in ruling). The court stated the phrase "prior express consent" is "unambiguous and consists of three words with discernable, ordinary meanings." The court found the FCC's interpretation of the phrase "prior express consent" was both "manifestly contrary to the statute" and unreasonable because it "impermissibly amends the TCPA to provide an exception for 'prior express or implied consent' and flies in the face of Congress' intent.

The court granted the plaintiff's motion for partial summary judgment and denied the defendant's motion.

"© 2008 ACA International. All Rights Reserved. Reprinted with the express written permission of ACA International."

Set it and forget it technology
For your convenience, backups are done automatically and can be scheduled to occur at any time of the day or night. Once set up, the process is hands free and never requires maintenance.

Priceless protection
There are no setup costs and no expensive equipment to buy. You pay only for what you use, based on compressed storage.

eSilo's service allows companies to backup, manage and protect computer data on a scheduled basis that is consistent, secure, reliable and affordable.

So we can better assist you, please take a moment to fill out our quote form at: http://www.esilo.com/about/contact/requestquote.html

You're information will be reviewed by our storage technicians and one of our qualified sales representatives will contact you.

Reference Code: ABVICBC
EVERY BIT COUNTS - START PROTECTING YOUR DATA TODAY!
Call: 800.747.9255

Registration: contact Jen Maisano at 410-208-6797 or Jen@CBStrategyConsult.com

Program Description
Rather than regurgitating regulatory text, this program explores the practical day-to-day operational and compliance processes and strategies that must be in place to meet the FCRA & FACTA 312 requirements of "reasonable procedures" for insuring "data accuracy and integrity." The program also discusses the financial and regulatory risks and benefits resulting from current and specific Credit Bureau Reporting hot button issues impacting all data furnishers, and what controls you must put in place to manage both your data processors and credit bureau partners.

Key Objectives
Obtain answers to the most important and frequently asked credit bureau reporting questions, such as:

*Functionally, what actually constitutes "reasonable procedures" from a regulatory standpoint?
*What types of practical analytics do banks need to create & how frequently do they need to be evaluated?
*What impact does Metro 2 really have on the bank & the consumer?
*How should the bank navigate data landmines?
*What can be done to control dispute volumes?
*And, how can I get the credit bureaus to do some of the work for me?

Presenter Bio
Jennifer Maisano , President & CEO of Credit Bureau Strategy Consulting, LLC has more than 18 years of experience in the Financial Industry including Credit Bureau Strategy and Reporting, Credit and Fraud Risk Management, Credit Bureau Vendor Management, Credit Policy, Risk Systems and Compliance. Jennifer's experience ranges across all institution sizes, from working with the largest institutions such as CitiCards and Bank of America to midsize institutions including FleetBoston and CitiFinancial, to the substantially smaller First Omni bank.