When UMC is unable to collect, your account is forwarded to a specialized commercial collection attorney in the debtor's geographic area. These attorneys are bonded by third-party law list companies to insure that the funds collected on your behalf are remitted in a timely manner. We utilize over 2,500 attorneys throughout the world. We constantly evaluate them to insure you get the best possible representation. UMC works as the liaison between you and the attorney to simplify communications, thereby streamlining your collection process.

Things you should know when you place an account with an attorney:

• Your attorney will attempt to collect your account amicably.

• Your attorney may recommend filing suit if amicable efforts fail.

• It does not automatically mean you will sue your customer.

• It does not obligate you to pay additional costs or fees.

• Attorneys' commissions are contingent upon recovery and are included in the fees paid to UMC.

• Any judgment obtained will be filed in the local courthouse and will create a property lien against the judgment debtor.

• Any judgment obtained will adversely affect your customer's credit rating.

• Filing suit is no guarantee of collection.

The Three Fees of Filing Suit (or how much will it cost?)

• Commissions are paid to UMC, which include attorney's commissions.

• Court costs, which range from $100-$500, are the associated costs of filing a lawsuit and may include filing fees, cost of serving the suit papers, etc. Court costs must be advanced by the client, are added to the judgment, and may be recovered from the debtor. Additional court cost may be required to file garnishments on bank accounts, general execution or levies.

• Suit fees, typically 10%, are paid to your attorney for preparing the lawsuit, issuing service, employing a process server, filing motions, representing you at trial, etc. Some portion may be required on a non-contingent basis.

Once suit is filed, the debtor is served with suit papers, forcing him to make a decision that is in his best interests. His options are: pay the balance, negotiate a settlement or payment plan, allow a summary or default judgment to be entered against him, or file an answer and/or a counter suit. Unfortunately, he can file an answer and/or a counter suit without a legitimate reason. If he files an answer and we are unable to negotiate a settlement, a hearing will be held and you will be required to send an employee of your firm to appear and testify. If he files a counter suit, you will be required to hire an attorney on an hourly fee basis to respond to the counter suit. Fortunately that seldom happens, but you should be aware of the possibility.

As you can see, the suit process can be complex and is dependent on local laws requiring expert advice and representation. UMC has been in the collection business for more than 100 years and has the knowledge, experience and expertise required to bring your collection needs to a satisfactory conclusion.