→ Commercial Collections Is Our Specialty: CCPA specializes in commercial collections and has so in a very successful manner for more than twenty (20) years simply because we excel at it --- our entire focus is the recovery of the monies rightfully due to you.

→ Custom Handling of Each Account: One of the reasons why we are so successful is our business model. CCPA is specifically designed to handle both high volume and single placements. Most large, third party collection agencies deal only in high volume portfolios and pay their collectors on a contingency. As a result, the collectors focus on the law hanging fruit and if they meet any resistance, you will undoubtedly receive the standard close-out letter or request for a non-suit contingency fee. In stark contrast, each and every account placed with CCPA is handled by an attorney experienced in commercial collections --- from start to end. We have discovered very early that a hands-on approach to even small balance accounts was beneficial to the client and CCPA for a long-lasting and profitable relationship. The internal processes that each member of our legal group must meet are the same as if the claim is $500 or $5 million dollars.

→ Maximize The Unique Features of Minnesota Law: It cannot be overstated that the most effective way of getting a debtor’s attention is the personal service of a lawsuit. However, lawsuits in most jurisdictions can be quite expensive and there is always the concern that you are “throwing good money after bad”. Unlike in virtually every state and federal court in the nation, Minnesota is a “pocket service” state. In other words, a lawsuit is “commenced” upon service of the Summons and Complaint. It does not need to be filed with the local state court and you are not initially required to pay the expensive court fees. This unique feature is a very important facet of CCPA’s cost-effective approach to each claim placed. Instead of nearly all other jurisdictions in the country, you will not be required to invest hundreds of dollars for every claim before a lawsuit can be instituted. 

→ “Fist-In-The-Velvet Glove Approach”: Given the nuances of Minnesota law, the vast majority of our clients request that CCPA institute legal proceedings immediately upon placement. After all, your internal collection activities has not resulted in positive progress and in most instances, it is clear that the debtor is simply avoiding its obligation. Within 24-48 hours upon placement, a litigation package has been prepared by an experienced attorney and put out in the field for service. Upon service, the debtor has 20 days in which to respond to the lawsuit --- i.e., contact the firm regarding payment arrangements or risk judgment and post-judgment proceedings such as garnishments, sheriff levies, etc. Along with each lawsuit, the firm personalizes a letter to the debtor advising it that it has been served with a lawsuit and has only a limited time in which to respond. CCPA encourages the debtor to contact it to discuss payment arrangements and avoid the high costs of defending the lawsuit. Many times, the customer will contact CCPA upon receipt of the lawsuit to resolve the monies due to our client. This approach is particularly effective. Unlike a demand letter or a call from a collector, the debtor cannot ignore the lawsuit and there is a definite statutory time period to respond to the lawsuit. When faced with this short time period and the undoubtedly high legal costs associated with defending the lawsuit, most debtors inevitably are persuaded to honor their contractual obligations and contact CCPA to reach reasonable payment arrangements. In short, most collection agencies can only “threaten” to institute legal proceedings. In the relatively rare instances when a collection agency refers your matter to a law firm, it nearly always results in more costs, higher contingency rates, non-suit contingency fees and significant delay. CCPA does not “threaten” to bring a lawsuit if the customer does make arrangements to pay its obligations --- CCPA can bring a lawsuit and does so immediately upon placement as a normal practice with no additional cost to you. 

→ Philosophy: It’s only good business to deal with each debtor in a professional and reasonable manner. It has been our experience that this approach generally translates in the recovery of more monies in a quicker time period. This philosophy has served us quite well. We are fully cognizant of the special issues that are involved with many placements. It is important to collect the monies due to you; however, it is equally vital to preserve your integrity and reputation in the marketplace. This being said, we don’t let debtors dictate how they will treat our clients; instead, we work with all parties to ensure maximum recovery.