CRM provides medical practitioners with a full array of debt collection agency services that enables the staff to focus their attention on patient care as opposed to unpaid receivables. CRM understands the medical and insurance industry and works with great care to resolve your debt collection issues while preserving the patient relationship.

Our in-house legal counsel ensures that CRM is in strict compliance with all patient confidentiality requirements, including HIPAA and the HITECH Act. When you sign up with CRM, your practice will be provided with a HIPAA Third-Party Business Associate Agreement at no additional cost to you.

It is part of our efforts to ensure efficiency and compliance between our debt collection agency services and your practice. Medical clients, we serviced include primary care, surgeons, dental, physical therapy, chiropractic, radiology, dermatology, treatment facilities, urgent care centers, psychologists, psychiatrists, veterinary clinics, wellness groups, home health care agencies, medical supply companies, nursing homes and assisted living facilities.

Today’s troubling financial times have given rise to what CRM has termed the Debt Economy. The Debt Economy is one wherein consumers too often have out-of-control personal debt, including secured and unsecured debt, coupled with falling individual and family-wage incomes and unexpected increases in expenses.

With a landscape such as this, the longer an unsecured debt goes unpaid, the diminishing likelihood that it will ever be collected. In our experience, most consumers want a payment solution, not harassing telephone calls. We at CRM apply proven, cost-effective solutions, including qualified debt mediation and settlement plans, customized for your business’s credit needs and the consumer clientele that you service.

When you are owed money by a company or corporate entity, it is essential that your debt collection agency understand the liabilities intrinsic to the owners, officers, shareholders, partners, or members of a particular business structure.

We at CRM carefully review each of your claims before pursuing debt collection to ensure the correct documents are in place, and the right entity and individuals are named as the responsible parties for the debt.

If pre-legal debt collection agency attempts prove unsuccessful, upon your approval, we supply our attorneys with a full debtor report together with supporting documentation so that legal action may be seamlessly and vigorously pursued on your collection account.

Legal Services

CRM has fully-integrated legal services and in-house counsel. As such, if all other collection agency efforts fail, our legal staff will do an internal review of each of your collection accounts to determine if further legal action is warranted. If they feel it is, a Suit Authorization will be forwarded to you for your signature in respect of each such account that we recommend a non-small claims lawsuit be commenced.

Capital Resource Management Inc.

At that point, it remains your option whether or not to pursue legal action. If you agree with our recommendation, upon return of your executed Suit Authorization, CRM’s in-house legal counsel will seamlessly coordinate with our network of attorneys to commence a lawsuit on your behalf.

Judgment Enforcement

One of CRM’s debt collection specialties is judgment enforcement. By judgment enforcement, we mean our ability to assist you in collecting on a legal judgment that has been obtained but which the debtor-defendant has not paid. Many creditors find professional assistance with judgment enforcement is often needed due to the complexity of the process and different State laws.

CRM’s owner is an attorney and principal of a law firm that specializes in the recovery and collection of unpaid judgments. As such, CRM is uniquely situated and qualified to assist in a variety of options to collect on your judgment, such as:

This is a debt collection device wherein a levy is placed on a judgment debtor’s bank accounts. Different State, as well as Federal, laws apply regarding what funds in a judgment-debtor’s bank accounts may be attached and restrained versus what funds are exempt. Our attorneys will pursue all that is permissible under the then-current applicable laws to collect on your judgment.

Another way to recover on a judgment is by using a device known as wage garnishment. This is tantamount to a court order served on the judgment debtor’s employer whereby the employer is required to deduct a certain percentage from each paycheck due the judgment-debtor and pay it over to the creditor in satisfaction of his/her/its outstanding judgment. State law determines the types of judgments and permissible percentage that may be deducted.

Depending on the type of judgment is obtained, a judgment lien may be placed against any real property owned by the judgment-debtor.  Depending on the size of the judgment, and the ownership and value of the property that has been liened, a sale may be forced of such real property to pay off your judgment out of the proceeds of such sale. In addition, some States permit the seizure and sale of personal property as well.

As many State laws stand today, this process tends to be very costly. The vehicle must be owned free and clear by the judgment-debtor for this to even be a viable enforcement option.

When assets are not readily attachable, yet an investigation has shown they do exist, our attorneys may recommend further post-judgment legal action against the judgment-debtor. If such action is warranted, we will review the process and associated fees with you. As this is considered additional legal action, your approval will be required before we proceed with any such further action.

There are times when debt collection efforts may be futile as there are simply no assets available to seize in satisfaction of a judgment. When such a circumstance exists, we will notify you of such. Please note that so long as the debt collection account remains with CRM, we continue to be vigilant and review your account in case the asset picture of the judgment-debtor changes, which it often does with the passage of time.

Straight-Forward Fees

When clients place accounts with us, there are no hidden up-charges. No tiers that escalate based on the work done or required … No increases in the fee if an account is reported to a credit bureau … No additional skip tracing fees … You get it all for the price you sign up for. Plain and simple!

Consumer Claim Rate

35% of the gross amount collected

Commercial Claim Rate (B2B)

28% of the gross amount collected

Judgment Collection Claim Rate

35% of the gross amount collected

Second-Placement Account Claim Rate

40% of the gross amount collected

Accounts 18 Months or More in Arrears

40% of the gross amount collected

Contingent Full Service Accounts (Minimum Account Value $500)
Prior written approval by our clients is required before legal action is commenced on any account.

Credit Bureau Reporting
The rates for all accounts set forth above include all required verifications and fees for reporting eligible accounts to a National Credit Reporting Agency (eg. Trans Union). Only accounts that comply with the requirements and policies of all associated State and Federal laws and regulations, including, without limitation, the FDCPA and FCRA, and the individual credit reporting agency, as determined in the sole discretion of CRM, shall be eligible for credit bureau reporting.

Please note: CRM does not accept assignment for accounts that are out of statute (time-barred), originate from payday-type loans or have been charged-off by the creditor.