Nationwide Education
debt Recovery
Large enough to serve,
Small enough to care.
our Promise to You
About Us
In December 1984,
S & S Recovery, Inc. began
as a full service collection
agency in Memphis,
Tennessee. Our agency
handles all accounts
with the highest level
of professionalism and
integrity. Our management
team has over 100 years
combined experience in the
collection industry.
‘Performance That Meets Your
Collection Needs’ is our motto. S & S Recovery, Inc. proudly stands behind this motto through every aspect of our
company. Integrity and professionalism encompass every account handled by our staff. S & S Recovery, Inc. maintains ethical and lawful collection practices with every
account. Threats, intimidation and harassment are never a means of collection. Persistent, firm attempts with your institutions’ best interest at the core delivers positive
results for your educational facility. All members of our staff act as an extension of your
college while recovering delinquent payments. We operate in full compliance with the
Fair Debt Collection Practices Act as well as all state and federal laws.
All S & S Recovery, Inc. staff train often on legal and compliant collection procedures. Meeting the demands
of your institution and
Confidentiality of your delinquent accounts is important. All possible safeguards protect
maximizing returns
your account holders.
are our primary goals. Exceptional service and
Contingency fees on reduced, cancelled, deferred or postponed accounts do not exist
perpetual technological
at S & S Recovery, Inc. Suspensions of collection attempts remain temporary or
advancements ensure your
complete satisfaction. permanent
upon your request.
Your written approval on offers of settlement or compromise agreements must exist
before S & S Recovery, Inc. will continue with those types of arrangements.
Established
1984
Miles Harper
General Manager
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services
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S & S Recovery, Inc. is a debt collection agency for Institutions for Higher Education;
we specialize in the following:
•
•
•
•
•
•
Tuition Account Receivable
Perkins Loan
Institutional Loan
Nursing Loan
Health Professional Loan
Pell Grant
Pre-Collect Letter Service
Don’t have enough time to send a Final Demand Notice to past due
accounts? S & S Recovery, Inc. can help. At no additional cost, we send out
final demand notices on our official letterhead on first placement default
account receivables.
Recovery Programs
Our PDR (Perkins Default Recovery) & TDR (Tuition Default Recovery)
programs assist your institution in the collections of delinquent accounts.
Our default recovery programs assist clients and borrowers in resolving
their delinquent debt thus reducing default rates. We offer payment plans,
rehabilitation, loan consolidation, deferment and forbearance programs.
$
State Tax Offset
S & S Recovery, Inc. will work with your institution and the state tax offset
program to increase funds collected. We still collect on the accounts that you
turn over for active collections, even if your institution uses your state tax
offset program.
Legal Assistance
S & S Recovery, Inc. prefers to collect on accounts through conventional
channels. However, we provide a full range of collection services and options.
Our agency serves your higher education facility on an individual basis to
meet the needs for your school and each individual account. Upon the
institution’s written authorization, our agency pursues delinquent accounts
through the court system and in accordance with the laws of your state.
S & S Recovery, Inc. retains a network of attorneys throughout the United
States to ensure compliance with each state’s legal standards and practices.
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100%
of our
portfolio IS
education
related debt!
““
our pledge
We believe every
person has
worth as an
individual.
We believe every
person should
be treated with
dignity and
respect.
We make it our
responsibility
to help consumers
find a way
to pay their debts.
We are
professional
and ethical.
We are
committed to
honoring this
pledge.
reports
• Client Acknowledgement
Statement of Collections
• Statement of Collections, Client Total
• Active Debtor Status
• Closed and Reactivated Accounts
Client Production Analysis
• New Address/Telephone
S & S Recovery, Inc. offers the ability to modify reports based upon customer request.
student loan Billing Services
We are members of these student loan billing services:
• ECSI
• ACS
• EDSI
• UAS
• Campus Partners
• Panhandle Plains
Recovery percentages
70
60
50
40
30
20
10
%
First Placement
Reassign
Perkins Loans
A/R
perkins title iv collections attestation audit
On an annual basis, we conduct an attestation audit of our Perkins Title IV collections.
An independent government-qualified CPA firm, Knutte & Associates, conducts these
audits and it is provided to the Department of Education. We are in full compliance
with Title IV.
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License & Bonds
S&S Recovery, Inc. is licensed by the State of Tennessee Collection Service Board.
Our agency meets all licensing and bond requirements.
Our membership and good standing with professional organizations ensure quality services
and ethical business practice. We are members of the following organizations:
• American Collectors
Association International
• Tennessee Collectors Association
• Texas BUC$
• OACUBO
• TACCBO
• CCBO
• MBUG
• ABUG
• ISLA
• FABSSA
• The Better Business Bureau
• Memphis Chamber of Commerce
• Bartlett Chamber of Commerce
• SACUBO
contact Us
Our skilled staff would be
happy to talk to you about
your debt collection needs.
4210 Altruria Road
Suite 131
Memphis, TN 38135
it Operations
800.467.1144 (Toll Free)
901.386.0710 (Local)
Hardware and Software
www.ssrecoveryinc.com
Our custom software and network are housed in the IBM AS400. We use proprietary collection
software supported by ACS Control Collection Management System.
This software allows our staff to keep up to date reporting, skip tracing tools, client performance,
and we are able to customize programs to fit the need of our clients. S & S Recovery, Inc. has
the security in place to safeguard our clients’ data. We offer electronic transfer of accounts thru
our SSL encrypted web portal allowing our clients to transfer accounts without worry or hassle.
Disaster / Catastrophe Recovery
Contingency Management Plan
S & S Recovery, Inc. has made disaster recovery a priority to aid in an unexpected situation.
Our agency has plans in place to work through and safeguard client data in the case of terrorist
attack, fire, severe weather, technology failure or any other disaster / catastrophe caused by any
unknown source.
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client references
It is a distinct pleasure to recommend S & S Recovery, Inc. for all your collection needs. In my capacity as Associate
Director of Financial Services for the University of Arkansas @ Little Rock. I have worked close to S & S Recovery, Inc.
since we started doing business in 1985. They continue to provide us with the same outstanding service. S & S Recovery,
Inc. is founded upon a commitment to high ethical standards and driven by successful recovery statistics of our accounts
receivable and other defaulted debt.
- Laura McCarty, University of Arkansas at Little Rock
I would like to take this opportunity to express my appreciation for the excellent job S & S Recovery, Inc. has done in the
collections of our delinquent Tuition/Perkins accounts. We have been satisfied with the performance of S & S Recovery, Inc.
since we became a client in September 2005. Reports and money due us are received in a timely manner.
- Sherry Beasley, Drury University
We have worked closely with a number of representatives from S & S Recovery, Inc. since 1986. We are pleased with
the relationship we have with S & S Recovery, Inc. They have successfully pursued delinquent accounts while at the
same time they are willing to be flexible in dealing with difficult or delicate situations.
- Judy McCaughlin, Christian Brothers University
S & S Recovery Inc. has been our collection agency since 2008; we are very impressed with their courteous and prompt
handling of our accounts. Our collection rate has improved considerably since we began using S & S Recovery, Inc.
- Linda York, William Carey University
Please accept this letter of recommendation for collection service of S & S Recovery, Inc. ASU has used S & S Recovery, Inc.
since 1987, and their collection rate is very impressive. I would recommend S & S Recovery, Inc. to anyone in need of a quality
collection services.
- Sandy Wewers, Arkansas State University
Cosssatot Community College has been using S & S Recovery, Inc.
since 2007 to help us with collections on various outstanding
student balances. We have been very pleased with the work
done by their company and highly recommend them to any
educational institution as a means of debt collections.
-Charlotte
College
Johnson,
Cossatot
Community
S & S Recovery, Inc. has been contracted by the
Tulane University Student Loan Office since
2004. They have consistently provided impeccable
service. Their representatives are ALWAYS helpful
and informative, and their willingness to address
any concerns is greatly appreciated. My opinion of
S & S Recovery, Inc. is unswerving in the quality
of service they provide. I anticipate a constant
relationship with S & S Recovery, Inc.
- Trina McCormick, Tulane University