After every effort has been made to resolve the debt and the debt still remains unpaid 90 days after assignment, we review the account to determine if collection through litigation is necessary. All legal expenses are normally paid in advance by our agency; however, client approval is always requested in advance. Specific criteria are required before we file small claims on any unpaid balance. Our team of legal collectors, attorneys, paralegals and support staff is highly trained and knowledgeable and can easily handle all aspects of the legal process. And because we have a network of agencies and attorneys at our disposal we can collect from almost anywhere.