"The right partner is everything….."

Professional Recovery Services, Inc. (PRS ), founded in 1990 by Irene Kelso, is an outsourced accounts receivable management and collection company, serving a wide range of clients across the United States. The company's industry knowledge, technological expertise, management depth and long-standing client relationships enable us to deliver customized solutions that improve its clients' receivable recovery rates, thus improving their financial performance. PRS services are provided through the utilization of sophisticated technologies including advanced workstations, leading-edge client interface systems and call management systems comprised of predictive dialers, automated call distribution systems, digital switching and customized computer software.

· PRS is a certified WBE (Women's Business Enterprise) with certification by both the state of New Jersey and the WBENC (Women's Business Enterprise National Council)

· Our firm's greatest strength is our ability to meet and exceed our client's goals and expectations on a consistent basis. We have created a management system that focuses on the following five categories which enables us to offer our clients the consistent performance that they have come to rely on from Professional Recovery Services, Inc.

1. Technology- In order to provide our collectors with all of the tools necessary to achieve our clients goals we have made and continue to make significant investments in software, and hardware. We utilize one of the best collections software systems in the industry, Ontario Systems, FACS, which can accommodate and customize reports for our clients. We utilize a predictive dialer system to handle large volumes of accounts efficiently. We have a Comdial phone system, which can expand up to 500 users. In addition, at least one member of our systems staff is on-site during all hours of operation to ensure smooth transition of our client's data.

2. Training- Our training coordinator is responsible for training new hires to utilize our technology to their best advantage and to teach them our methods of collection with strict adherence to the FDCPA. In addition, the training coordinator is responsible for random testing of all collectors to assure compliance with the FDCPA and with our collection methods. In addition to emphasizing the law, our trainer also teaches our collectors to be dignified in representation of our clients.

3. People- Our focus on training produces a collection staff that is confident and highly skilled. Our collectors are adept at all stages of delinquency, including pre-collect and post charge off products. Our management team averages over ten years collection agency management experience and is exceedingly qualified to go the extra mile to achieve our client's goals. On a daily basis they ensure our collectors are monitored, tested and motivated to make their budgets. 4. Communication- The key to meeting and exceeding our client's goals is simple ,

communication and follow up! Therefore, our managers meet daily to discuss the strategies to overcome the challenges of the day. Each and every Monday morning we have a formal managers meeting. In attendance are senior management, all front line staff, and our training coordinator. The agenda for this meeting primarily focuses on where we are and where we need to be to achieve our client's goal. The progress of each manager's group is reviewed and decisions are made to give the managers direction for the upcoming week to achieve their goals. In addition to reviewing the goals, the agenda also includes discussion of upcoming projects, policy changes, and personnel needs to be sure we are fully staffed to meet our client's goals. All pertinent decisions made during these meetings are relayed to the collection staff through their managers. Meeting minutes are distributed to all that attend the meetings to assure accuracy. Aside from our Monday meetings we also have managers meetings at the beginning of each month to once again set goals and expectations to our staff. Our senior management also utilizes e-mail, production reports, and one-on-one meetings to monitor progress and provide direction.

5. Professionalism- We strive to build relationships with our clients as a result of our performance and professionalism. We are able to produce results for our clients through our people, communications, training, and technology. However, the final piece of the puzzle to exceeding our client's expectations is our professionalism. Our professionalism begins with hands-on ownership and continues with a management staff that is always available to take client's calls for any question or e-mail requests that they may have. The access and accountability, which we provide to our clients, is unsurpassed in our industry. We are members of the ACA and Irene Kelso is a board member. We are licensed to do business across the country, giving our clients peace of mind that we are operating within the laws of various states in which they do business. Within our management system, we are able to quickly adapt and respond to changes and special requests made by our clients.

The bottom line is, our client comes first, and our focus on that goal gives us the ability to meet and exceed our clients expectations on a consistent basis.

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