-Using computer software and databases to locate customers who have moved
-Discussing debts with customers and creating a payment plan that allows them to pay what they owe
-Collecting payments via credit card or direct debit via phone
-Negotiating settlements to accept a percentage of the debt
-Logging every contact attempt and the outcome of the contact
-Removing settled debts and deceased individuals from records
-Updating credit files when debts are satisfied
-Beginning legal proceedings, such as foreclosure or repossession, when debts can’t be settled
