The American Cancer Society Funds Research for Ovarian Cancer

 



Headquartered in Orlando, Florida, Allied Credit Consultants helps clients recover overdue debts and bill payments. Allied Credit Consultants also supports the American Cancer Society (ACS) in its fight to end cancer deaths in the United States.

ACS recently awarded scientist Rebecca Wates, PhD, a two-year grant of $111,500 to support her investigation into ovarian cancer treatments. Ovarian cancer is the leading cause of gynecological cancer deaths.

Current treatments for ovarian cancer have three big downsides: surgery removes only visible tumors, leaving behind smaller tumors; chemotherapy is toxic and leaves patients weak and sick; and lastly, current treatments target only ovarian cancer cells and leave spreading tumors intact. Dr. Wates will focus her research on developing a less harmful and more effective treatment for ovarian cancer.

In her previous experiments, Dr. Wates discovered that when a gene, KIF11, is deleted from ovarian tumor cells, the cancer cells are destroyed, but healthy cells are left behind. However, subsequent trials conducted on humans revealed that once KIF11 was deleted, a backup gene, KIF15, kicked in and helped ovarian cancer cells multiply. With the grant from ACS, Dr. Wates and her team will spend the next two years looking for an effective anti-KIF15 treatment.

Tips on Talking to Debt Collectors

Allied Credit Consultants uses a two-phase process to source unpaid debts for creditors. In the first phase, Allied Credit Consultants attempts to reach the debtor and develop a plan for resolving the debt.

When speaking with a debt collector, professional and honest communication is most effective. Instead of arguing with the collector or claiming that the debt is false, you can politely request that the collector send you all of the relevant data in writing. You can also send the collector a notice that you do not owe the debt, though if the collection agency is able to prove that the debt is valid, the collector may still continue contacting you.

If the debt is valid, you may be able to negotiate a settlement. The process may benefit from your disclosure of your income or financial situation, if such information would help the collection agency to understand what you can afford. In some cases, if the creditor comes to understand that you cannot pay the full amount, the organization may settle for a percentage.

Throughout the negotiation or settlement process, you must remain truthful and stick to the facts of the case. Any abusive language toward the creditor may hurt you in further proceedings, as may falsification of information.

Allied Credit Consultants - Debt Collection Process FAQ

Allied Credit Consultants (ACC) provides clients with a variety of asset recovery services, helping them recover owed debts, loans, bills, and other forms of payment. This FAQ will help you better understand Allied Credit Consultants’ accounts receivable process and the actions the company takes to recover assets for customers.

Question: What happens when a customer opens an account?

Answer: Within 48 hours, your case is assigned to one of ACC’s staff collectors, who sends out the first of four letters to the debtor. The collection agent will send a total of four letters and place daily phone calls for 14 to 21 days.

Q: What if the staff collector cannot contact the debtor or settle the debt?

A: The case moves into phase two, where it is forwarded to one of the attorneys ACC works with. Located in the same jurisdiction as your debtor, the attorney will again attempt to reach the debtor with another series of letters and phone calls.

Q: What if the attorney cannot collect the debt?

A: ACC sends you a letter explaining the situation and suggesting your next move. The company will review your case and may suggest you take legal action against the debtor. If you do, the attorney will begin the lawsuit process pending your upfront payment of legal costs. If ACC determines a low likelihood of asset recovery, or if you decide not to take legal action, the case will conclude and you will not owe the firm or attorney any money.

Data Collection and Skip Tracing in Outstanding Debt Cases

Respected Orlando, Florida-based licensed debt recovery firm Allied Credit Consultants, Inc., partners with attorneys to pursue the efficient collection of outstanding assets. Allied Credit Consultants’ offerings include locator services that involve a well-defined skip-tracing process.

This begins with amassing all available information about the subject and analyzing it so as to determine its relevance and veracity. This typically involves a careful examination of publicly available phone directories. The current location of the person may be contained within this information and simply buried by the sheer volume of data.

Information utilized in the skip-tracing process also includes business and marriage licenses, property records, and certifications. The process does not involve contacting other creditors or borrowers, as this is not allowed under current regulations.

In many cases, the data is used to identify parties who can shed light on the subjects’ whereabouts. The process here turns into more than a simple research exercise, as the information must be discreetly collected and acted upon without compromising the investigation.

What Do Credit Consultants Do?

Based in Orlando, Florida, Allied Credit Consultants is a firm that primarily helps creditors reach out to clients to collect payment for overdue loans, bills, and other types of payments. Aside from these services, Allied Credit Consultants offers credit counseling to clients who wish to improve their personal credit standing.

Credit consultants or counselors provide clients with advice on managing their assets and liabilities, planning payments, and creating a viable budget. They can also serve as middlemen who liaise between customers and creditors in reaching agreements for debt repayments that benefit both parties. While they do not usually negotiate a reduction in the amount of money owed, credit consultants can help to lower monthly repayment amounts, making it easier for customers to settle their debts. People who have acquired a considerable amount of debt can benefit from the assistance of a credit consultant who can help them to start managing their finances better.

Strategies for Debt Repayment

Allied Credit Consultants collects debt on behalf of a variety of creditors, while also working with individuals to improve credit. Allied Credit Consultants upholds a dedication to finding debtors and making arrangements with them to repay what they owe.

When an individual owes a debt, it can seem like an impossible obstacle to overcome. Debtors often feel that they simply do not have the money to pay, or else they would do so, and thus they begin to believe that there is no way to plan for repayment. Financial experts know, however, that there is always some small step that the debtor can take.

Some experts recommend the snowball method, in which the debtor pays off the lowest balance first. Others prefer that a debtor pay off the amount with the highest interest rate while making minimum payments on other balances. In still other cases, however, the debtor may need to prioritize a particularly urgent debt, such as one that is in collections.

If it seems as though there is no money available to take on any of these strategies, a debtor may need to first reduce personal expenses. Eligible expenses for reduction may include grocery bills, clothing costs, or money spent on entertainment, though even some monthly bills may reducible through some comparison shopping. Once even a minimal amount is freed up, the debtor can allocate these funds toward repayment and, ideally, to the ultimate elimination of debt.

Techniques for Improving Credit Scores

At Allied Credit Consultants, a team of professionals helps creditors with past-due accounts to recover funds owed them. Allied Credit Consultants also offers services to assist account holders in strengthening their credit ratings.

A good credit score is by definition a manifestation of responsible borrowing behavior. To improve your score, you need to demonstrate that you can reliably spend within your means and repay debts you owe.

You can begin to accomplish this by keeping your credit card balances as low as possible. Experts recommend that you carry a balance no higher than 30 percent of your limit, even if you are paying your bill every month. For some borrowers, this means making multiple payments each month, while others fare better by requesting an increased credit line.

If a particular card has a low-enough balance, you may be able to improve your score by paying it off or consolidating the debt onto another card. You might wish to keep the unused card on your account, however, particularly if you have paid it on time reliably. It is extremely important to pay all credit bills on time while you are working on improving your credit score, as late payments can bring your score back down quickly.

Your Credit and Your Job

Allied Credit Consultants of Orlando, Florida, is a company that helps creditors collect delinquent debts and helps consumers recover their credit.

While potential employers do have to get your permission to check your credit, a 2012 survey by the Society for Human Resource Management found that 47% of companies use an applicant’s credit history to help determine whether to hire them. While it’s usually not the deciding factor, it can play a big role, especially with finance-related jobs.

In addition, the survey found 45% of the companies used credit checks to help prevent embezzlement or theft. However, if you have bad credit, all hope isn’t lost. The same survey reports that 80% of the companies that do check credit reports have still hired applicants with negative marks on their credit report. Still, when your credit score can affect your ability to get a job, it literally pays to have good credit.                            

Allied Credit Consultants Skip Tracing

Allied Credit Consultants draws on a global network of legal specialists and collection agencies to resolve delinquent account situations. Allied Credit Consultants has established a reputation for collecting debts in the fastest, most effective fashion possible, in part due to the company’s full suite of locator services.

Skip tracing is one of the company’s most widely used locator services. A comprehensive approach to locating the owner of a delinquent account, skip tracing involves gathering all available information on an account using a variety of public and private resources. These resources include public resources like employment departments, tax and revenue departments, utility records, and marriage licenses. The company also has access to private sector databases, such as credit reports. The information gathered through skip tracing is reviewed and reduced to only the most helpful elements in order to streamline the process.

Skip tracing does not always result in the exact location of a debtor, though the process often locates a relevant third party that can provide helpful information. At this point, collectors must acquire as much information on the subject as possible in hopes of moving forward with collections.

Collections Allied Credit Consultants

Allied Credit Consultants is a delinquent accounts specialist operating on the international stage. Beginning as a traditional collection agency, Allied Credit Consultants has since developed a comprehensive network of law firms and outside support that has allowed the company to greatly expand its collection capabilities.

The first phase of the collection process begins less than two days after a client places an account. The organization engages delinquent account holders in a variety of ways, including a series of four letters sent through the United States Mail service. At the same time, a staff of trained collectors work towards making direct contact with an outstanding account over the phone and, upon doing so, settling the account in the quickest, most satisfactory way possible.

Should all attempts at contacting an outstanding account holder fail, the collection process shifts to phase two. At this point the case is turned over to an attorney skilled in areas of delinquent accounts. Attorneys and their staff continue to make phone calls and send letters. At the end of the second phase, the attorney and collection specialists collaborate on a thorough account analysis that helps clients settle on a final course of action to bring about an end to the collection process.

What is a Good Credit Score?

Based in Orlando, FL, Allied Credit Consultants helps clients that are trying to improve their credit standings. Since 2014, Allied Credit Consultants acts as a liaison between creditors and customers to help manage overdue accounts.

A person’s credit score can be based on credit card debt, home mortgages, car loans, or any money borrowed and then paid off. It is important to establish good credit early on to save money on interest payments when borrowing money.

A credit score is a three-digit number ranging from 100- very bad credit to 900- excellent credit. A good credit score is usually considered to be 720 or higher. However, lenders can have different standards depending on who you are dealing with and what you are applying for, so it is best to have the best credit score possible. With credit scores, the higher score a person has, the lower the risk they are to lend money to because it shows a higher possibility of that person paying back the debt.

How to Build Credit

Established in 2014, Allied Credit Consultants act as a connection between creditors and customers with outstanding debt. Finding customers through credit bureaus and loan documents, Allied Credit Consultants help customers consolidate their debt and then report it to the credit bureaus.

The first step to building credit is to get a credit card. Some companies offer secured credit cards, which require a person to make a cash deposit first to help lessen the risk of the issuer. Student credit cards are great for younger people trying to build credit, but can come with high interest rates. If someone can co-sign a loan for a borrower, that also helps lessen the risk for the loan agent, but that makes the co-signer also responsible for that other person’s debt.

Credit bureaus like FICO can pull up a person’s score if they have had an account open for at least half a year and a creditor is reporting activity to the bureau.