600 Rand Building, 14 Lafayette Square Buffalo, NY 14203-1906 Phone: (716) 853-1283 Fax: (716) 847-1980
	Vision to Successful Legal Collections

The most important factors for a results oriented legal collection program is the ability of Dubin & Dubin, LLP to successfully and efficiently bring about the following:

• Receive referral of accounts containing all necessary information to permit computer upload/download of manual or electronic detail.
• Upon receipt of account, generate immediate demand letter which complies with the FDCPA.
• Prepare Summons and Complaint, file suit and serve debtor.
• Enter judgment, garnish wages, restrain bank accounts, place liens on real property, issue subpoenas to examine judgement debtors.
• Create an atmosphere where the delinquent account debtor has an opportunity to comply with a fair and reasonable repayment schedule.
• Provide clients with timely status reports, remittance of funds and avoidance of conditions which would bring about unfavorable opinion, to any client or their reputation.
• Consistently deliver high quality legal services in an atmosphere of open and honest communication.
• Be an exemplary partner and contributor to the success of our clients' needs.
• Surpass the prior financial results and goals of others.

One Focus... Your Business Is Our First Priority

If your business wants to sharpen its edge, improve its cash flow, cut expenses, effective legal collections are the key to your success.

At Dubin & Dubin, LLP we have developed a collection philosophy and legal collection software system designed to help you reach those goals.

We have implemented a computerized workflow, designed to help us process your delinquent receivables more quickly and with a higher collection success ratio.

Our unique Legal Collection System (LCS) guides us to:

• Generate first letters more quickly.
• Track the progress of each delinquent account and provide you with a regular computerized status report.
• Involve your company directly by accepting accounts electronically thereby reducing manual input time.
• Team with your business to help you proactively with collections goals.

One Goal... Customer Satisfaction

Fees

We believe that our fee should be based upon successful recoveries and for that reason most fees are contingent based upon collection. Fees range between 22 and 33%, based upon volume, sizes of claims and information available. Fee schedules are open to discussion and negotiable.

If the account includes a signed agreement requiring the debtor to be responsible for attorney's fees, we would add the same to the amount referred for suit and your remittance would be calculated on that combined sum plus the interest, costs and disbursements of the action as permitted in the Judgement filed with the Court.

Although clients are responsible for actual out-of-pocket cash disbursements (the cost of service and filing and service of the Summons and Complaint, Sheriff's fees on Execution, service of legal process, etc.), the same is reimbursed to the client out of first monies collected without any fee to our firm. In other words, you will receive one hundred percent (100%) of the amount recovered until all disbursements charged to the client are reimbursed.

Please note, Dubin & Dubin, LLP does not take its fee on any recoveries until it has simultaneously remitted to the client its portion of the recovery.

Collection Staff

Robert Dubin supervises our experienced collection staff. Notwithstanding our experienced staff, Dubin & Dubin, LLP requires our staff to attend regular training seminars in respect to the FDCPA and changes in collection law and office procedures.

Annually our collection staff employees are reviewed and rated on their performance. Bonus and salary determinations are based upon such performance ratings.

Audit

• All monies recovered are deposited in our firm trust account.
• Lawyers Professional Liability Policy.
• Inspections and Audits - at client's discretion and convenience.
• Internal Audit - via procedures directed by our accounting firm.
• Payment control and entry system.
• Prompt bank deposits.
• Reconciliation of client's accounts monthly.