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 & Sommerstein 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, serve and file suit.
• 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 & Sommerstein we have developed a collection philosophy and legal collection software system designed to help you reach those goals.

As Western New York's most progressive legal collection firm, we see the future in electronic transfer of debtor records and client data.

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

The best reason to choose Dubin & Sommerstein is because we understand the legal collection business. We have developed custom software to faciliate workflow speed.

Our software, written in a 4GL language, Clipper, enables us to accept your debtor records in various different file formats including .DBF, .TXT, ASCII (comma limited or flat file).

A fourth generation, Clipper is a very stable language and has been in use since the mid-1980's. We have the capabilities using PC Anywhere software to dial-in to your location and download your debtor files automatically. Using a Novell Netware network, our paralegals begin the processing of your records as soon as they are downloaded to our LCS software. Using our computer network enables your records to be reviewed by authorized paralegals for status purposes. Regular status reports can be provided on regular intervals. If you have questions about transferring your data electronically for legal collection processing, please contact our office. Our team will be glad to assist yours.

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 33 1/3 and 25%, 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 Statement for Judgement submitted to the Court.

Although you as creditor/client are responsible for actual out-of-pocket cash disbursements (the cost of service and filing 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 otherwords, you will receive one hundred percent (100%) of the amount recovered until all disbursements charged to the client are reimbursed.

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

Collection Staff

Marvin Dubin and Robert Dubin supervise our experienced collection staff who total 50 years of experience in the field. Notwithstanding our experienced staff, D&S 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.
• Reconcile client's accounts monthly.