Debt Collections
 
Phone: 1-888-506-0152
Email: info@collectitquick.com

FAQ

Give me a quick overview of collectitquick.com.

My name is Casey Jackson.  I am a account representative for NorthStar Technologies, a nation-wide collection agency that specializes in bad check collection.  Collectitquick.com is my personal web site to make contact with businesses or organizations such as yours that need a free check recovery service or another type of collection service.

Does NorthStar only collect on bad checks?

No.  NorthStar has a separate but closely allied partner that can help with almost any type of collection need businesses have.  There are options for businesses that buy debt, banks and credit card companies that have charged off debt, medical offices and hospitals, libraries that need a collection service for lost and overdue items, etc.  NorthStar also has a full scale letter production facility for businesses that want to outsource their collection letters.   
     NorthStar's full name is NorthStar Technologies and this is important.  Unlike typical collection agencies, NorthStar is also a technology service.  It can interface with or usually build the appropriate interface to quickly and easily import a client's accounts no matter how large.  Many other collection agencies must rely on outsiders for their collection software needs.

Can NorthStar process bad business checks?  Our corporation needs a commercial check recovery service.

Yes.  NorthStar can process your bounced checks whether they are written by an individual or on a business account.  Unlike companies that restrict their collections to RCK (electronic check recovery), NorthStar has and utilizes the full spectrum of collection tools.  It specializes in recovering all types of bad checks.

What is NorthStar's collection rate?

Multiple factors affect the collection percentage:  the speed at which checks are submitted, the dollar amount (a $50 check is usually easier to collect than one for $50,000), and even the geographical area of the check writer.

An honest check recovery service will tell you collection percentages are affected to a certain degree by location (collection rates for places like the Midwest are usually better than large cities).  If a collection service is using the Midwest to claim a 90% collection rate, but your checks come from a large city on the west coast where their rate is only 75%, do not expect to get what is being advertised by competitors.

NorthStar's check collection percentage usually exceeds its competitors for all types of returned checks (most NSF checks can be collected in 1-60 days).  Its proven success is partly due to the fact that it does everything a typical check recovery service does PLUS it has and utilizes the resources of a nation-wide and "in-house" collection agency.  Also, if you choose NorthStar for your debt collection needs, its free reporting service will allow you to see and track your exact collection percentages.

What happens after we sign-up? 

I will contact you by phone the following business day to personally tell you the sign-up worked.  I will also send you an e-mail that allows you to immediately submit existing and future NSF, stop payment and closed account checks to NorthStar. 




Is NorthStar's check recovery service really free?

Yes.  NorthStar uses the state bad check fee, a cost paid by bad check writers, to make its check recovery service completely free. 




How does NorthStar collect bad checks?

NSF checks are submitted to a proven process including these steps:  collection letters, electronically drafting the check writer's account for funds (RCK check collection), and reporting bad check writers to the National Check Network (NCN).  NCN reporting is yet another free service and it prohibits bad check writers from passing checks at nearly 200,000 merchants, including Walmart®.

If this 60 day process does not work, or checks are marked "stop payment or "closed account," NorthStar will aggressively work to collect them for 18 months using a variety of powerful collection tools such as collection phone calls, District Attorney intervention, credit bureau reporting, etc.  The check recovery process is explained here.

What if NorthStar cannot collect a check?

In these cases NorthStar absorbs ALL the collection costs.  Even in the phase 2 recovery process where very extensive and expensive collection techniques are used, there are still no collection fees to businesses.  Phase 2 checks are processed as a no-fees contingency split. 

Do we buy or use any special equipment?

No.




Do we need to "stamp" all the checks we receive?

No.  NorthStar provides free "disclosure" stickers for businesses (they even offer free laminated stickers if you need this feature).  Post these stickers at your point of sale so customers know you use NorthStar for your returned check collection service.




Does NorthStar require businesses to verify that certain information is on the checks they accept?

No, but having the driver's license information on checks is very helpful. 




Do small business owners qualify for free bad check recovery?

Yes.  With NorthStar there are no minimums for free bad check collection.




We take checks by phone.  Can NorthStar still process our returned items?  Can we still have RCK check recovery?

NorthStar can process checks accepted over the phone and RCK check recovery is still permissible under certain conditions.  Please contact me if you take checks by phone.

What about existing checks?  Can these be collected?

Existing checks are accepted and the collection efforts are free.  Anyone in the collections industry will tell you an important ingredient in collecting accounts is speed (submit accounts as fast as possible).  Such is also true for bad checks (the older checks are the more difficult they become to collect).  Since NorthStar's service is free, I recommend submitting checks up to 24 months old.




What happens to the checks we submit for collection?  

NorthStar makes an image of every check you submit (front and back), and you may print these at any time for free.  If you wish to have your checks returned, this service is available for a nominal fee.




Is a "demo account" available for corporate clients?  

Yes.  This is on NorthStar's corporate site.  If you click "submit" you will be taken to a page where you can examine several of the features associated with NorthStar's 24/7 free reporting service.




Are consolidated returns available for corporate clients?  

Yes.  Reduce your bank fees to approximately $1.00 per check and still receive the extra 25% of the bad check fee on NSF checks. 



 

How long will NorthStar work to collect our bad checks?

If NorthStar cannot collect a NSF check in a period of about 60 days, it will work for 6, 12, of 18 months more if you so desire (this choice is made in the sign-up process and is also free).




Our business is in a small community and we want to control what checks we submit for collection.  Is this possible?

Yes.  You may either let your bank submit checks automatically with a brief bank form from NorthStar or personally select and send in the checks you choose for collection. 




Does NorthStar buy bad checks?  Is a "check guarantee service" available? 

NorthStar does not buy or guarantee checks.  Most businesses are better served by outsourcing bad check collection to a check recovery service like NorthStar.  Unless your business typically accepts checks valued at $500.00 or more, a check guarantee service is usually a bad deal for businesses. 




How would we terminate NorthStar's check recovery service?

Give NorthStar a 30 day written notice.  There are no termination fees.  NorthStar can offer some special services to large corporations and these unique arrangements typically involve a year-long contract.   




How do we sign up?

Use the fast and free on-line process!  If you are hesitant to use the Internet to sign-up, you may use a fillable PDF agreement and fax it to NorthStar's corporate office at (918) 307-0915.




Why use NorthStar for our returned check recovery service?

You receive all the benefits offered by other check collection services, plus 25% of the bad check fee on NSF checks at absolutely no cost.  NorthStar also provides one of the finest check reporting systems available for free. NorthStar even offers free check collection for stop payment and closed account checks.




Do most small businesses need a NSF check recovery service?

Yes, and NorthStar’s free returned check management service is an ideal solution for any U.S. business.  NorthStar wants to meet its clients' needs, and it is usually a "good fit" for these industries that need a check recovery service:  large corporations, accounting and insurance firms, grocery stores, c-stores, dental offices, boat marinas, heating and air conditioning contractors, department stores, martial arts clinics, shoe stores, massage therapy services, direct mail businesses, medical offices and hospitals, amusement parks, antique dealers, landlords, dry cleaners, school PTA organizations and school corporations, electrical companies, utility services, motels and hotels, sporting good stores, racing and motorcycle shops, movie theaters, moving companies, storage companies, auctioneers and auction houses, museums, audiologist offices, auto repair shops, fabric shops, hair and nail salons, tanning salons, newspapers, magazine and book publishers, tax preparation offices, night clubs, restaurants, bait shops, bed and breakfasts, non-profit companies, florists, nurseries, appliance repair shops, bicycle shops, gift shops, golf shops, bowling alleys, bridal shops, towing services, pawn shops, carpet cleaners, health clubs, Boy Scouts, Girl Scouts, pest control services, home health care services, pharmacies, home party consultants, car wash businesses, catering services, cellular phone services, child care services, plumbing contractors, chiropractors, printers, veterinarians and veterinarian hospitals, psychologists, video stores, cleaning services, clothing stores, jewelers, waste management services, radio stations, kennels, computer services, ISP hosting services, concrete companies, stone and gravel companies, rental services, resorts, libraries, counselors and counseling services, limousine services, zoos and coffee shops.  Even a Chamber of Commerce can benefit from NorthStar’s free NSF check recovery service.