Our company purchases consumer debt for the purposes of collection and settlement. Our debt is wholly owned and company managed - which strongly influences how we operate. We carefully and selectively purchase debt that meets our high qualification standards. This translates into integrity and a personal focus as we work. We adhere to the strictest industry standards, federal regulations and nationwide state by state rules and legislature. Our training program ensures that our focus as a company is standardized and taught to every employee from the top down. Our compliance officers regularly monitor, audit and asses the quality of our agents ensuring the ongoing integrity of our operations. As the collection industry has been viewed negatively as a whole, we pride ourselves on our clean track record and operating as a credible business.