Ways of repayment

Operative work data for year 2009:

Soft collection (letters, SMS, calls)

• 350 operators of own call-center conducted 5 million negotiations with debtors
• over 400 000 letters and 600 000 SMS were sent

Skip tracing (search of information about debtors)

• 30 % of debtors were found without any information from the client

Hard collection (operative visiting) 

• over 180 field-collectors made 100 thousand of visits

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