We have implemented both inbound and outbound calling processes for our financial services clients. The outbound calls are made for the 1st and 2nd stage collections from prime and sub-prime mortgage customers of the clients' home mortgage products. The calls are made to delinquent customers to gain a promise to pay or when acknowledging the payment. The agents handling these accounts are fully complaint with the Fair Debt Collections Act. All agents are trained and tested comprehensively on FDCPA. In addition, production scheduling and call processes are designed to ensure full adherence to FDCPA at all times.