1. Do the prices shown for letter packages include postage?
2. What is my obligation when the debtor pays his debt?
3. What if the debtor ignores the letters?
4. I don’t know the current address of my debtor can you help me find him?
5. Is Direct Debt Collection a member of the American Collector Association?
6. Can I open a company account?
7. Are there any membership or setup fees?
8. What if my debtor wants to make payments?
9. How long will you retain the information on my debtor?
10. What follow up services do you provide?
11. What if I decide I need a collection attorney to file a lawsuit?
12. What happens if the debtor sends a payment to Olddebts.com?
13. How do I close a debtor profile?

1. Do the prices shown for letter packages include postage?
Yes. All of the letter packages include mailing to your debtor. However, return postage is not included.

2. What is my obligation when the debtor pays his debt?
If there are additional letters scheduled to be sent to the debtor, you must go to olddebts.com, login, and cancel the balance or the letters. Failure to do so may open you to a claim of harassment.

3. What if the debtor ignores the letters?
You have several options. Olddebts.com will allow you to send additional letter series up to three times to the same debtor for the same debt. For a more aggressive approach, the debt can be referred to our parent company, Fidelity Information Corporation, on a contingency fee basis. If you choose to refer the claim to another collection agency, be sure you cancel the debt with Olddebts.com first. You can do this by logging into your account and following the necessary simple steps. In the event you opted to report your debtor to the credit bureaus through Olddebts.com, you must cancel the debt before reassignment.

4. I don’t know the current address of my debtor, can you help me locate him?
Yes. There are two ways we can help. When ordering your letter series you may opt for NCOA (National Change of Address). This service will automatically match your debtor and last known address and forward the collection letter to his new address as reported to the United States Postal Service within the previous six months. If you lost track of your debtor for a long period of time or believe he may not have filed his move with the post office, you can go to our parent website, www.GoFIC.com, and utilize the people search and skip tracing sections.

5. Is Direct Debt Collections a member of the American Collectors Association?
Direct Debt Collections is a division of Fidelity Information Corporation. Fidelity Information Corporation is a member of the American Collectors Association.

6. Can I open a company account?
Yes, as long as there is an individual guarantor and a minimum usage is maintained. Simply go to open an account and your application will be reviewed within two business days.

7. Are there any membership or setup fees?
No. There are also no minimums or account charges. You have free access to your account to amend, cancel, or update any information at any time you choose.

8. What if my debtor wants to make payments?
Of the letter series that Direct Debt Collections offers, one allows you to set up a payment program reminder service for the debtor. A monthly payment reminder will be mailed to the debtor with a perforated payment stub and return envelope.

9. How long will you retain the information on my debtor?
We will maintain a debtor database for several years. If you have opted to report to the credit bureaus we will maintain that database for up to seven years. We are responsible to respond to any disputes by the debtor and we will continue to update the debtor profile and email you any changes. Additionally, because the debtor database is maintained, you are able to log in and update the account as to correspondence, change in balance or address and even send an additional set of letters.

10. What follow up services do you provide?
If you wish, the debtor profile can be transferred to our parent company, Fidelity Information Corporation. Upon the transfer of the file, you can obtain asset information, skip tracing information and contingency based traditional collection help.

11. What if I decide I need a collection attorney to file a lawsuit?
As a member of the American Collectors Association and subscriber to the National List we would be happy to refer you to qualified collection attorneys in your area.

12. What happens if the debtor sends a payment to Olddebts.com?
Since our address must be displayed on all letters, debtors may occasionally send a payment to us. We will immediately forward the payment to you and notify you by email that the payment is on the way. Even though we ask the debtor to communicate directly with you, we are still the collection agency and the debtor may want to deal with us. In no event will we deposit funds or negotiate any settlement without prior written permission from you.