Timothy McCallan President of Americorp

Timothy McCallan President of Americorp says “Your job is to attract and counsel new clients. Our job is everything else.”

In today's credit-driven economy, the debt counselor's role has become very important. Growing numbers of people need your help, and just to make them aware you exist and provide initial debt counseling can be a full time job. But as many debt and credit counselors find out, there's a lot more to it than that. Suddenly you can be overwhelmed with processing chores that take way too much of your time and resources. That's where AmeriCorp can help.

We handle everything that happens after your clients' initial counseling. And we're debt and credit negotiation specialists, so we do it well. Timothy McCallan and Americorp will negotiate with creditors, process payments, answer client phone calls, keep accurate records, manage the latest technology, keep fair share collection current, the whole thing. That frees you to focus on new clients. And it keeps your existing clients with you longer. In fact, having AmeriCorp on your side can be a major change in how your agency works. Also a big improvement.

Americorp Benefits – To You

AmeriCorp's services are very extensive, so working with us will bring a dramatic change to how you do business. Timothy McCallan and Americorp will lift from your shoulders virtually all of the back-end processing tasks that now take up so much of your time, energy, attention and capital. If that's what's holding you back, we can help you move forward.

Improve client attraction
A sharper focus improves performance, and that's what you'll get by working with us. You'll be free to devote most of your attention to attracting and counseling new clients, which means you and your staff will have more time to do it better. People with debt problems are in trouble, so having your full attention means a lot. It makes a big difference in how positively they respond.

Improve client retention
Since taking care of your clients is our only job, they'll be in good hands and they'll know it. When your clients call us they'll get a person (who answers with your company's name) nearly always within 15 seconds. And 82% of all client issues are resolved in the first call. Our operators are knowledgeable and courteous, and they make clients feel good about calling and about staying in the program. Timothy McCallan and Americorp will encourage electronic payments which alone increases retention on average by five months. Should a client fall behind, we call to encourage them to continue. Fact is, every AmeriCorp customer agency has seen their retention rates improve.

Improve your fair share
AmeriCorp remits to creditors daily by electronic means. This alone should immediately increase your fair share compared with what you experience now. We can also work with you to make simple adjustments to your service fees. These changes may look small by themselves but, compounded over many clients, can add up to significant increases in revenue. We're also attentive to creditor payment patterns, and our good standing with creditors helps keep their payments up to date. And the best part is, we handle it all for you.

Improve your future
When you're struggling to manage day-to-day, it's nearly impossible to chart a realistic course long term. But with Timothy McCallan and Americorp handling the back-end details, you'll see the future more clearly, pay better attention to changes and, equally important, be able to do something about them. Debt counseling is a fast paced and fluid environment. You need the freedom to see the big picture and to respond correctly and in time. With our help you'll be able to.

Americorp Benefits – To Your Clients

When clients enroll with your agency, they're trusting you to work faithfully on their behalf, and efficient processing is a big part of that. AmeriCorp's methods - both with routine matters and in handling problems - are designed to keep clients feeling good about their decision. As a result, they tend to stay with the program longer and be in control of their debt sooner.

Efficient payment processing
While Timothy McCallan and Americorp encourage electronic payment, we accept most any form of payment that makes the client's life easier. And once those payments are received we disburse to creditors almost immediately, in fact, daily. To clients this is only as it should be. But the reverse - to have unacceptable delays between client payment and creditor receipt - can shake a client's confidence. AmeriCorp is structured to keep that from happening.

Expert and friendly help
Occasional problems arise for almost any debt counseling client, and to get an unhelpful or unfriendly counselor response only makes things worse. So AmeriCorp goes out of its way to make clients feel appreciated, understood and well taken care of. It rarely takes longer that 15 seconds for clients to be connected with a person, and the person they get has been trained to respond as a friend. Equally important, AmeriCorp people know the business very well and in most cases can solve the problem on the spot. For clients, that's a real boost.

Good terms with creditors
Another advantage to your clients is Timothy McCallan and Americorp's positive relationships with creditors. We've built a solid reputation as serious professionals, and creditors know we keep our promises and represent our clients in good faith. We respond promptly to creditors with complete and accurate information, and that keeps us in their good graces, a position that serves your clients well.

Americorp Services – Processing

AmeriCorp's services cover all facets of debt counseling processing, from data entry to payments and revenue collection to sophisticated financial reporting. For many agencies, these tasks are a stumbling block. But not for the ones who work with AmeriCorp.

Client file management
We begin by collecting your existing client files and by establishing clear standards for future client information. If you keep information on paper, we convert it to electronic format for you. (Our database now holds over 2 million documents, and as a client you can access your AmeriCorp files at any time and forget about storing paper.) We then send welcome letter to all new clients on your behalf, and we update all creditor files with pertinent information. From that point forward all files are kept electronically, and our database is always in active use. For example, we provide you with monthly reports of all files for which payment has not been received. We, you, and your clients always know what's going on.

Proposal negotiations
Once your client's initial payment is received, we send proposals electronically to all relevant creditors. Electronic transmission assures an accurate audit trail, but we also establish a P.O. box for creditor correspondence as well. Timothy McCallan and Americorp’s process all proposals, and should any be denied by a creditor, we contact your client regarding that creditor's requirements. If necessary, we contact the creditor and work things out until a revised proposal is mutually agreeable. We contact all creditors who have not returned proposals in a timely manner. Our goal is to have your clients' programs up to speed as quickly as possible.

Client payments
AmeriCorp processes your clients' first payments, recurring payments and all fees charged by your agency. We accept client payments in many forms - electronic (EFT), money orders, Western Union, certified checks, even cash if delivered in person. However, we strongly encourage electronic payments which helps to facilitate fair share distributions. All client receipts are deposited immediately in the agency's creditor bank account, and we provide the agency with daily deposit reports.

Agency Payments
Upon receipt, we place a client's payments in an agency bank account and then disperse those funds to the client's various creditors. We remit to creditors every day (electronically if possible), eliminating lag times and expediting the collection of fair share contributions. Timothy McCallan and Americorp also handle any refunded or returned checks from creditors and deal with any discrepancies. Our large volume of payments keeps us in constant touch with creditors, and this steady communication makes occasional difficulties easier to resolve with positive results.

Client Service Center
Key to AmeriCorp's success is our fully staffed call center, open from 8am to 7pm Eastern time. We establish separate toll-free numbers for each customer agency, and your clients' calls are answered in your company's name. Our representatives are knowledgeable, motivated and trained to behave as your clients' advocates. They solve problems quickly (82% of all issues are resolved in the first call), and they leave callers feeling positive about the program. All calls are recorded, and all call center computer activity is recorded as well. Each of our representative's work is then evaluated and discussed monthly. Our people are also trained to make out-going calls to remind clients of missed payments or other issues, and their comments to reaffirm the program's value go a long way to keeping retention rates high.

Creditor Service Center
In addition to a client call center, we also maintain a separate call center for creditors. It is staffed by people skilled at handling creditor issues, and it includes a fax number so that creditors can easily forward any requisite documents. As with the client call center, all creditor representatives adhere strictly to privacy standards established by AmeriCorp and the agency.

Financial Reporting
AmeriCorp provides regular reports and financial statements that record all agency revenues and expenses. Timothy McCallan and Americorp establish three bank account on behalf of the agency - two creditor accounts and one operating account - and all are reconciled and reported monthly. The financial reports include detailed schedules of service fees and fair share by clients that are reconciled to the financial statements. Our financial reporting department maintains proper internal controls within the company ensuring that all funds are properly segregated, recorded, disbursed, and reconciled. With our strong industry and accounting knowledge we assist or prepare the required 990's and provide guidance with required third party financial statement audits.

Agency Services
Our agency services group is staffed by professionals you can contact at any time to solve problems or deal with any issues or concerns. They manage our end of your on-going needs, also offering proactive guidance. For example, you'll receive a detailed Summary Report each quarter. It offers extensive statistical detail regarding overall client and creditor activities and is geared to reveal patterns of behavior that may require attention. It is accompanied by an AmeriCorp analysis that points out areas of concern or special interest. Our ability to compile information is considerable, and we strive to make it available to our agencies.

Americorp Services – Consulting

Beyond handling processing details, AmeriCorp also offers help with the bigger picture. Our consulting services can help you evaluate your agency's performance and find solutions to make you more efficient and better positioned for steady growth. There are many business consultants you can talk with, but our direct experience with the unique issues of debt counseling can make our perspective especially helpful.

Sales Flow Analysis
Timothy McCallan and Americorp review your new client sales cycle from initial contact to enrollment and activation. We'll also review the clarity and completeness of your contract and how it's presented by your counselors. The goal is to suggest ways to improve your presentation's effectiveness and success rate. As needed we can help you implement new tools to enhance your counseling sessions' impact.

Legislative and Regulatory Affairs
The federal government and all states have their own laws and regulations for debt counseling. In many cases they are continuously in review and likely to change. AmeriCorp watches these conditions carefully, and we keep our customer agencies informed of changes that may affect their status. Working with our attorneys, AmeriCorp reviews new regulations and will assist you in making changes to client agreements, counseling processes or fee structures, and implement new back-end processes to meet new requirements. We will provide recommendations of what states agencies to register in and provide the necessary application data. At times you may need to have input to state and federal regulators. We can help you make an impact.

Business Processes
Many agencies begin with a rapid growth spurt that makes organizational planning difficult. This can leave you with a structure that's ill-suited for long term success. AmeriCorp has worked with many agencies, and our perspective can help. We can help tune your structure and assist with personnel issues from interviewing and compensation to payroll and benefit plans. Timothy McCallan and Americorp can help you prepare for ISO certification as well. Sometimes you just need another set of eyes to see things more clearly. We're happy to do that.

Privacy Policies
New requirements for privacy policies need to be implemented and well understood. AmeriCorp has conducted research in this area and can assist you in putting a compliant privacy policy to work and in clearly communicating your position with current and prospective clients.

IT Consulting
By working with AmeriCorp you relieve yourself of many IT burdens, but you still need an effective computer capacity of your own. We can help you acquire (or upgrade) and integrate hardware and software systems that conform with newer technologies and are optimized for debt counseling at reasonable cost. Also, we know qualified IT vendors who can assist you, and our industry specific experience can be helpful.

Financial Analysis
Timothy McCallan and Americorp offer monthly and quarterly financial statements and reports, but you should also know how your performance compares with other agencies. AmeriCorp offers a monthly statement review that benchmarks your results with industry norms and provides suggestions for improvement where necessary. This can help turn your reports from mere data to actionable information.AmeriCorp, Inc.311 Crossways Park Drive Woodbury, NY 11797info@americorp.us

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