Debt Settlement Options Video From SCOA

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passion…empathy…service…

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Exceptional Service-24 X 7 X 365 A service organization is only as good as its clients say it is. Technologies evolve, clients evolve, and SCOA evolves. One constant in this cycle has been client expectations that SCOA delivers support services that separate us from our competitors. SCOA 24 X 7 X 365 support is the next evolution of support services. It widens the gap between what you receive from SCOA and what you receive from others.

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Exceptional Service- The Client Experience Industry Best Hold Times For Clients-Under 30 Seconds at most times Dedicated Account Managers For The Entire Length Of The Program Account Managers Manage no more than 50 Clients at one time Client is touched 3 Times a month, month after month by Mail, Email or Phone

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Exceptional Service-Multi-Lingual Support English Spanish Mandarin Cantonese Portuguese Vietnamese Hindi Korean Tagalog

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Exceptional Service-TurboDS With TurboDS, clients e-enroll in the program within minutes of speaking with a Debt Consultant…Online… Nothing to Mail, Fax or email Convenient…Secure…Effortless…

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Client Retention Some companies have full-scale client retention programs. Some companies simply have a philosophy about clients -- a point of view that says that new business is terrific, but “our business is built on our existing clients.” SCOA’s philosophy is simple-We believe in passionate empathetic service to ensure client retention and graduation from the program. Just ask our clients… Service is our business…our life…our passion…

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Client Benefits-DANA Debtor Advocacy Network of America (DANA) is a consumer watchdog network that has been established to aggressively defend consumers against unlawful, unfair and deceptive practices by creditors and collection agencies.

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Client Benefits-Education Approximately 90% of Americans have never received any financial training. With personal debt soaring and personal savings decreasing, it's no wonder so many individuals find themselves in difficult and extreme financial situations.The primary focus of the SCOA Educational Package along with the debt program is to educate consumers. We believe that financial and credit education is the answer to many of the problems consumers face today. SCOA has made its goal to provide a variety of educational services designed to help individuals everywhere take control of their financial situation and gain the peace of mind that comes from improved spending habits, increased savings, and the wise use of credit.

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Client Benefits-The Power Of The Shield THE POWER OF THE SHIELD CallShield was invented by an attorney to relieve the stress of harassing collection calls to consumers while in the program.  The Shield will re-direct any collection calls clients receive to our office without clients ever having to say a word or to ever speak to a collector.

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Client Benefits-American Legal Referral The legal network provides members with access to a carefully selected nationwide network of law professionals that have contracted to provide free and discounted care in the following fields: Legal Care, Tax Advice & Tax Return Preparation, Identity Theft & Restoration & Insurance and Financial Education. The legal network can also help clients who get sued while in the program.

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Client Benefits-Consumer Savings The Consumer Savings Network offers discounts and helpful money savings tips for Shopping, Travel & Vacation, Automotive Club, Health & Dental Benefits, Entertainment, Dining, Hotel Home… **There may be a fee associated with this benefit.

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Client Benefits-MyWelcomePackage Clients receive access to their very own welcome package and relevant program information. The Welcome Package gives clients an in-depth overview of the program from Day One to Graduation. For those clients who don’t have internet access, we mail them a Welcome Package upon acceptance in the program. www.mywelcomepackage.com

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Creditor Relations SCOA has built very strong relationships with most of the major creditors, law offices and debt collection agencies over the past years. Creditors deal in volume, wishing to facilitate multiple settlements at one time. With the large volume of accounts SCOA manages, we can do this easily. SCOA assigns and Industry Best One negotiator to every 150 clients to facilitate timely settlements at industry leading settlement rates.

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Creditor Relations-Settlement Rates Since it’s inception, SCOA’s settlement rate for clients, including legal accounts is under 35% of current balance. This includes accounts that have been placed in litigation. 20% of our settlements are term settlements which helps our negotiators make more than one settlement at a time and pay them off over several months or in some cases, even years.

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SCOA States-Green States Are Acceptable

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Cross-Sell Opportunities