Predictive Dialers Now Illegal, however RBA is unaffected.

Once an undervalued service that Rumson, Bolling & Associates offered, is now making our company ahead of many collection agencies is the fact We do not use auto dialers and all of our phone calls are being made by real people. Starting September 1st 2009, Congress made auto dialers or predictive dialers, illegal to those who do not want phone calls. Many collection agencies have built their business structure around predictive dialers using dialers was once a somewhat efficient way to contact a large number group of people. Studies Congress did show that one predictive dialer could make 1,500 calls a day.

For those in the collections /sales / telemarketing field understand this number is almost unparallel to any human, however Rumson, Bolling & Associates has always felt that this is something very negative as well. Having an automated dialer calling a debtor lacks the care, emotions and helpfulness of having a human being on the other line. In Our own experience debtors respond much better and our efforts are much more successful if Our staff is calling instead of a computer automated phone call. Since Rumson, Bolling & Associates never relied on predictive dialers so this new law from congress has 0 affect on our business and our ability to collect. Many other companies in the industry who use predictive dialers this is hindering their ability to collect, and could cause long term problems should they continue to use it such as getting shut down from the F.T.C.

Another undervalued service that many people do not realize is the fact that all of our collectors and staff are in the United States. Rumson, Bolling & Associates is firmly against outsourcing jobs. Many collection agencies are sending jobs to other countries for cheaper labor. The problem with this is the United States are losing jobs and money that could be used for our economy is going to another countries economy. Another problem this creates is a communication barrier, a foreign call center is not nearly as easy to communicate with as one that is state side. Rumson, Bolling & Associates wants to assure the public that We are doing everything in our part to being the best collection agency possible and doing our best to help with our countries current economic status.

Forwarding Fee Contract Snippet

"BY EXECUTING THIS FORWARDING FEE CONTRACT EXTENSION, I ACKNOWLEDGE THAT NO PROMISES, GUARENTEES, OR WARRANTIES ARE EXPRESSED OR IMPLIED. NO REPRESNATIONS HAVE BEEN MADE TO ME THAT CONFLICT WITH THE DISCLOSURE THAT BAD DEBT CAN UNDER NO CIRCUMSTANCES BE GUARANTEED AND THAT THERE IS ALWAYS A RISK THAT DESPITE THE BEST PRACTICES, A DEBTOR MAY NEVER REPAY HIS OBLIGATION TO YOU"

This is a snippet from the Forwarding Fee Contract. While the Forwarding Fee Contract greatly increases your chances to collect a debt, it does not give a 100% guarantee. There is never a 100% guarantee when it comes to debt collection. Debt collection deals with laws, regulations, and the court systems. Rumson, Bolling & Associates will do our best to get you your money owed however we cannot promise anything.

Intangible Benefits, Undervalued Services and Vicarious Collection Phenomenon

One of the most undervalued services offered by Rumson, Bolling & Associates is the Forwarding Fee Placement Package. For a very low per case cost, multiple qualifying cases can be packaged and sent to collection litigation. Why pay an upfront fee? Packing your bad debts and sending them in bulk into collection litigation will ultimately results in the recovery of upfront costs. Often the forwarding fee is considerably less than even the actual filing fee of one case alone.

Vicarious Collection Phenomenon, when you put your collection cases in a forwarding fee placement package you send this message to the business community: We will not tolerate late, delinquent, short, or non-payment of our accounts. And we will enforce our contracts. This message is conveyed loudly and clearly to all of your potential debtors. Believe us, the vicarious collection phenomenon will cause them to pay you and not pay those they know who won’t use Rumson, Bolling & Associates.

Letter To the Better Business Bureau

Rumson, Bolling & Associates recently wrote a letter to the Better Business Bureau. Rumson, Bolling & Associates has been treated unfairly by the BBB and Our company is just looking for some equality on their site.

To the Better Business Bureau’s Complaint Department,

Rumson, Bolling & Associates (Company ID – 100079746) is contacting the Better Business Bureau’s complaint department because of two complaints, (Complaint ID – 98420787 and Complaint ID – 98420774) according to the Better Business Bureau’s website these complaints are unanswered. Rumson, Bolling & Associates has sent complaint rebuttals more than 5 times now and one of our staff members has sent an email through the BBB’s contact form and Rumson, Bolling & Associates still has not heard an answer. Rumson, Bolling & Associates does our absolute best in resolving any complaints, issues and/or concerns with our company; however it is unfair, unprofessional, and very biased for the BBB to claim that Rumson, Bolling & Associates has these two complaints unanswered when Rumson, Bolling & Associates has in fact answered them. According to the Better Business Bureau website:

“BBB is the preeminent resource to turn to for objective, unbiased information on businesses”

Rumson, Bolling & Associates wishes this were the truth however the BBB must be objective and have some kind of a bias towards Rumson, Bolling & Associates or collection agencies in general, to have answered complaints listed as unanswered on the BBB website. If the BBB is not willing to let Our company answer complaints it really makes RBA question the BBB’s business rating that was given to us as well. If you will not let us fairly dispute complaints how can Rumson, Bolling & Associates trust the BBB to even give us a fair rating, especially since part of the BBB rating is answering complaints, and handling complaints. The BBB is treating Rumson, Bolling & Associates very counterintuitive to what the BBB says they stand for. Rumson, Bolling & Associates hopes that We can come to a fair agreement on this matter and wishes the Better Business Bureau would they themselves be more transparent, and live up to the standards they say they live up to.

How to Make Your Debt Collection Efforts More Successful

Rumson, Bolling & Associates wants to give some pointers on how businesses and individuals can make their collection efforts more successful. Our first piece of advice to creditors is to have information on your debtor. Rumson, Bolling & Associates can carry on the collection process with just a bounced check or something of the nature, but it’s best to have contact information. Many times our clients have debtors with common first and last names such Kevin Smith, John Williams, etc. common names like these need to be cross checked by skip-tracers, this is a long process that takes up man hours and resources, sometimes this process may happen more than once depending upon the circumstances. Rumson, Bolling & Associates highly suggests creditors to get information such as name, address, phone number(s) and SS # if possible. Information like this can expedite the collection process almost twice as fast, if not more. Once you obtain this information, make sure you keep current client/customer information. All of this will help speed up the collection process; cut costs down ultimately giving you the creditor an easier collected debt.

More kind words from our clients

My brother and I own a lumber mill and within the past year have gone through some rough times. If you have ever seen the Discovery Channel’s show Swamp Loggers, then you’ll get an understanding for what we are going through. Our logging machines are constantly breaking down, the demand for lumber is low right now because most construction industries are failing. The economy has my brother and I stuck in a hard spot, and we needed help. In last few years we have collected a fair amount of unpaid invoices, partially paid invoices and bounced checks. We found Rumson, Bolling & Associates. Other collection agencies we had spoken to said our invoices were too old, or uncollectible, thankfully they have been able to collect and get the job done. If you have money owed to you, R.B.A. can help.

The Salinas Brothers

Client Review - Housing Industry

My husband and I own and manage a few housing units, and we take great pride in the work we do. We are very active in creating a great living environment for our tenants, and spend a lot of time seeing to their needs. That’s why when one of our tenants leaves without paying rent or for property damages we most often do not have the time necessary to collect the money owed. We try the best we can, but it distracts from the work needed for the tenants who are still living in our units and paying on time.

We were referred to Rumson, Bolling & Associates by a friend of ours that had used their services. We were unsure if they would be able to track down our ex-tenants and get them to pay, but we figured we had nothing to lose. We were happily surprised when we heard back from them a short time later with the first payment from an old tenant! All they required of us was to send in copies of our invoices, everything else they took care of! Rumson, Bolling & Associates has taken a huge weight off of our shoulders. We are able to focus on the part of our business that we love, while they take care of the “messy” work. We are grateful we came across a collection agency that works well with us and for us.