Joseph F. Tempesta, President
CREDIT WATCH is led by collection industry innovator, Joseph Tempesta. With over thirty years of experience, Joe was appointed President in 2006. He has been nominated for the ACA Committee 100 and consults to various ACA boards. He is a memeber of the Association of Credit and Collections Professionals, International Association of Collectors and the Commercial Law League of America.
James E. English Jr., COO/CFO
Jim joined CREDIT WATCH in 2002. He is a Certified Public Accountant and holds a Bachelor's of Science Degree in Accounting from Southern Illinois University. Jim Oversees the Finance, IT, Client Services, Human resources, and Operations divisions. His deep experience translates to our superior internal deliverables.
James E. Fuller, Vice President of Marketing & Sales
With over 20 years of marketing and sales expertise for Fortune 500 and smaller enerprise, Jim joined us in 2011 charged with the objective of developing our brand and deploying best of breed sales processes. As our first point of contact with prospective client companies, Jim's team is comprised of highly polished and professional problem solvers.
Scott A. Brandt, Vice President of Operations
Joining CREDIT WATCH in 2002, Scott is responsible for the overall daily and strategic management of our collection staff and call center operations. His leadership talents deliver record setting recovery standards. Scott is an ACA Certified Professional Collection Specialist with a deep focus on compliance issues.
Heidi S. Atencio, Director of Business Development
Heidi has twenty nine years experience and has served the Southwest region working with various healthcare providers since 1985. She is a member of the Health Financial Management Association, American Collectors Association, and the New Mexico Association of Commerce and Industry. Heidi was recently elected Vice President of the New Mexico Chapter of HFMA for 2010/2011.
Victor D. Ortiz, Chancellor of CREDIT WATCH University
With over thirty years of ARM experience, Victor is a HIPAA compliance officer and is active in the American Collectors Association. He is the Chancellor of CREDIT WATCH University, a CREDIT WATCH Services LTD division, and facilitates educational curriculum for healthcare facility admissions and business office staff.
Jessie L. Elliott, Director of Corporate Compliance
Jessie has over fourteen years experience in the ARM Industry. While managing Client Relations and Compliance she is accountable for the development and delivery of all client interfaces ensuring that all business objectives are met efficiently and effectively. Jessie maintains that all compliance is met from state licenses to our SAS70 Certification.
Jerry J. White, Director of Systems & Development
Prior to joining CREDIT WATCH in 2004, Jerry spent ten years with Intellrisk Management Corporation servicing various roles in Collections, IT, Project Management and Sales. His broad knowledge in the collection industry provides invaluable expertise during the developmental stages and implementation of our client's collections initiative.
Debbie A. Clayton, Human Resources
Debbie joined CREDIT WATCH as our Human Resources Coordinator in 2008. She brings with her 18+ years of experience in the Human Resources industry. Responsiblities range from employment, employee relations, benefits administration and training.
CREDIT WATCH chooses to specialize in specific industry sectors and markets to optimize our unique deliverables resulting in industry best results in record time.
Most Common Markets Served
CREDIT WATCH deploys a robust platform of full cycle ARM services designed to seamlessly integrate with your operational needs.
• Account Billing and BPO AR Cycle Management
• Payment Processing Solutions
• Pre-Collection Programs: Letter Series and CRM
• Geo-Demographic Account Scoring – Predictive Modeling
•
• End-To-End Delinquent Account Management/Recovery
• Aggressive Skip Tracing Techniques
• National Change of Address (NCOA) Verification
• Auto-dialer Messaging & Group Hunting Connectivity
• Client-dedicated Collector Groups
• Multi-lingual Capabilities
• Litigation Processing
• Debt Acquisition Management
• Customer Care & Relationship Management
1ST Party CRM Flow Chart.pdf
3rd Party Sample Flowchart.pdf
Healthcare facilities of every nature are consistently challenged with multiple problematic issues at the
point of patient admission. CWU delivers training
seminars for admissions personnel focusing on
communication skills, patient interactions, patient payments, appropriate protocol, and much more.
The result is a significant increase in patient payment
at point of admission, more accurate and complete
data gathering, and a heightened degree of patient satisfaction. Analysis clearly points to a 28% increase
in patient payments and a 37% enhancement of data quality.
CWU Chancellor, Victor Ortiz, facilitates each of
our sessions at your facility designed to be delivered
to staff over a 4-month timeframe.
today to learn more.
facility Business Office Directors say about us!
CWU Agreement.docx
Please fill out the form below. Make sure you include your direct telephone number and facility name, and it will be
our pleasure to get back to you.
Tuesday, January 03, 2011
Dear Victor,
We have been pleased with the training and content you have provided to our facilities through the CreditWatch University Point of Service Collection training. The training has worked incredibly well in providing the staff with additional tools in order to pursue and improve point of service collections. Great job!
We have seen an increase in our point of service collections for the facilities that have taken part and an improvement in our customer service. Our representatives are motivated, talking to one another and the facility recovery results have improved over time.
Keep up the great job and many thanks.
Sincerely,
Joseph Gourley
Director Revenue Cycle
LifePoint Hospitals Inc.
CREDIT WATCH Services Ltd. maintains proactive membership status in the American Collectors Association, Commercial Law League of America, International Association of Commercial Collectors, Commercial Collection Agency Association, and other industry specific organizations.
CREDIT WATCH is licensed to do business throughout the United States and maintains comprehensive insurance and bonding as required.
SAS 70 II & HIPPA COMPLIANCE
With a deep appreciation for operating in a highly secured environment, CREDIT WATCH is inspected, compliant and certified as a SAS 70 II vendor. This coveted recognition reflects our commitment to treating your data and your customer’s information in an extremely protected manner. A copy of our Certification is available upon written request.
As a key provider to the healthcare community, we are a HIPPA compliant and certified vendor maintaining the highest level of data security.
Minnesota Attorney General Lori Swanson announced Thursday that her office has filed a lawsuit against a debt collection agency that alleges the firm failed to protect the confidentiality of patient health care records.
In addition to the patient privacy complaints, Swanson levied some extraordinary allegations about the companys business practices and its relationship with healthcare provider clients.
The debt collector found a way to essentially monetize portions of the revenue and health care delivery systems of some nonprofit hospitals for Wall Street investors, without the knowledge or consent of patients who have the right to know how their information is being used and to have it kept confidential, said Attorney General Swanson. Accretive showcases its activities to Wall Street investors but hides them from Minnesota patients. Hospital patients should have at least the same amount of information about Accretives extensive role in their health care that Wall Street investors do.
Swansons press release claims that on July 25, 2011, an employee of collection agency Accretive Health, Inc. left an unencrypted laptop containing sensitive information on 23,500 Minnesota patients of two Minnesota hospital systems Fairview Health Services and North Memorial Health Care in a rental car after 10 p.m. in the parking area of the Seven Corners bar and restaurant district of Minneapolis. The laptop was stolen.
Swansons lawsuit includes a screen shot that Fairview sent to a Minnesota patient who requested to know the data about the patient that was on the laptop. The screen shot has personal identity information, such as the patients name, address, date of birth, and Social Security number. It also includes a checklist to denote whether the patient has 22 different chronic medical conditions and, if so, the condition of the patient. The screen shot also includes numeric scores to predict the complexity of the patient and the probability of an inpatient hospitalization, and a box to describe the frailty of the patient.
The lawsuit, filed in United States District Court in Minnesota, alleges that Accretive violated state and federal health privacy laws, state debt collection laws (although no specific examples are given), and state consumer protection laws. It seeks an order requiring Accretive to fully disclose to patients: (1) what information it has about Minnesota patients; (2) what information it has lost about Minnesota patients; (3) where and to whom it has sent information about Minnesota patients; (4) the purposes for which it amasses and uses information about Minnesota patients.
Swanson also went to great lengths in the announcement to explain the corporate structure of Accretive and its investors, and ties to former ARM companies. But the attorney general made no allegations about wrongdoing in relation to the business structure.
Please note nothing was changed in this article. We are just bringing you the facts.
CreditWatch Services would like to welcome Jim Fuller, as the new Vice President of Sales and Marketing.
Mr. Fuller has worked in his field for over 22 years; he has an expansive repertoire in sales and marketing, and brings an exquisite reputation to CreditWatch.
"We are all encouraged by adding Jim to the company and look forward to even more success", said Jim English, CFO CreditWatch Services.
"Our industry leading financial management techniques are scalable and poised to be deployed by companies who require a fresh approach to their revenue restricting issues", said Joe Tempesta, President CreditWatch Services. "Jim's deep experience and collaborative style meshes perfectly with our growth objectives. He brings a very consultative discipline that reflects our client approach and solutions assessment."
CreditWatch Services is a full service debt collection firm based in Fort Worth, Texas with additional operations in Las Cruces and Albuquerque, N.M. and Monroe, La. All operations are bi-lingually Spanish staffed.
Joseph F. Tempesta, President of CreditWatch Services today announced that, effective October 1, 2011, Scott A. Brandt will focus his talents exclusively on the accounts receivables placed by SuperMedia. Mr. Tempesta observed that, “"our dedication to delivering superior results transcends the deployment of visionary technologies and techniques. SuperMedia is a critical partner and, as such, requires and deserves Scott’'s finely honed skills without distraction.”"
CreditWatch Services, founded in 1990, is headquartered in Ft. Worth, TX providing full cycle accounts receivable management solutions. With additional operations in New Mexico and Louisiana, CWS specializes in several industry sectors including, but not limited to, advertising, telecom, healthcare, education, government and utilities.
CreditWatch Services is enthusiastic to announce an increase in its business family to now include the RH Donnelly business unit from the Dex One Corporation, formerly R.H. Donnelly.
Dex One Corporation is one of the largest and well renowned directory and mailing publisher. They do advertising and distribution in 30 states, serving more than 500,000 locally as well as nationally. They believe in a personal one on one experience which has proven to their success.
Dex One Vendor Manager says, "In an effort to consolidate and align third party collection efforts at Dex One, an offer was extended to CreditWatch Services to take on a larger portion of the Dex One collections portfolio. CreditWatch Services will now be collecting across the entire Dex One footprint, expanding into key Dex One markets including Las Vegas, Chicago, and Florida. CreditWatch Services has performed well for Dex One since initially partnering in 2008 and are expected to continue their positive results into the future."
Asked to comment, Joseph Tempesta, CreditWatch President, stated "CreditWatch has steadfastly focused on industry best practices drilling into Dexs portfolio to recover AR in a consistent fashion. We intend to continue being the resource of choice assisting the entire Dex family of companies. It is not possible to overstate the importance we place in our business relationship."
About CreditWatch Services: Founded in 1990, CreditWatch is a full cycle AR management and collections firm headquartered in Ft. Worth, TX. With three additional facilities in New Mexico and Louisiana, CreditWatch executes bi-lingual services deploying an on-shore platform supported by industry best technology and practices.
CreditWatch Services (CWS) is proud to announce a new business initiative with Rent-A-Center (RAC). Supporting RAC's accounts receivables revenue cycle, CWS has been retained to pursue collections of delinquent accounts within RAC's Rent-To-Own (RTO) business unit.
"CreditWatch is excited to enter in to this new venture with Rent-A-Center delivering a best in class business model. We fully expect great, above standard recovery for them," said Joseph F. Tempesta, President of CreditWatch. James Fuller, CWS' Vice President, Sales & Marketing noted that, "Having creatively solved difficult consumer portfolio challenges previously, we are adept at enhancing net cash recovery. RAC's RTO portfolio, although challenging, is the type of business that we excel at."
About Rent-A-Center: the largest rent-to-own operator in the U.S, founded in 1986. Rent-A-Center owns and operates more than 3,000 stores in 50 states, including Washington, D.C., Canada, and Puerto Rico. They provide name brand home electronics, furniture, appliances, and computers, for rent or for sale, and most of their clients eventually own their items.
CreditWatch Services Ltd. is pleased to announce the renewal of its CenturyLink agreement. We are excited to be once again chosen as a 3rd Party accounts receivable recovery solution, especially during this delicate time of integration involving Embark and Quest Communications. Our industry best deliverables applied against CenturyLinks consumer debt for over 10 years has encouraged the additional placement of commercial accounts beginning in November 2011.
CenturyLink, a Fortune 500 company, is the third largest telecommunications company in the United States providing a wide array of broadband, telephone and wireless communication products. CenturyLink has earned two "Best in Class" Business Services awards in 2011.
"The integration of CenturyLinks recent acquisitions has made for some exciting challenges and opportunities for those who have the ability to deliver best-of-breed solutions in a flexible and nimble fashion", observes Jim Fuller, CreditWatchs VP of Sales/Marketing. "Having an "Excellence is Standard" mantra ourselves results in a great working relationship, as CenturyLink thinks in a similar fashion."
CreditWatch Services is excited to announce the newest client to our family, Louisiana Delta Community College. Louisiana Delta Community College, based in Monroe, LA., has consistently ranked among the best in the nation in student satisfaction.
Delta Community College offers two year degrees and specialized programs for certification, along with courses for personal or professional growth. Louisiana Delta Community College has been experiencing significant growth since 2010, and they have been undertaking an expansion of its facilities. They have also consolidated with Louisiana Technical College at Tallulah, and with Louisiana Technical College at Lake Providence.
"We have a deep understanding of this market and are well positioned to deliver superior results," said Bruce McMichael, CreditWatch VP, who has worked closely with Delta CC developing the relationship. Jim Fuller, CreditWatch Vice President of Sales & Marketing ads: "Having developed a storied history with educational institutions, our processes are well suited to Deltas geodemographic portfolio profile. We are honored to undertake this opportunity and look forward to servicing their needs recovering delinquent student loans."
CreditWatch University (CWU), an affiliate of CreditWatch Services Ltd. (CWS), announced that Austin Cancer Centers has engaged CWU to deliver their flagship 4-part educational curriculum. The series is provided to healthcare facility admissions staff with the broad focus being the enhancement of patient data gathering and patient payment at point of admission.
Victor Ortiz, who is the curriculum facilitator, observes that, "Austin Cancer Center understands not only the sensitivity of how to handle the situations of a life threatening manor, but also the importance of educating their team through CreditWatch University on how to handle the financial aspects of their business with the same level of sensitivity."
CreditWatch University was established by Victor Ortiz, the Chancellor of the program, with the intention of educating the sometimes overlooked admissions teams within hospitals and other healthcare facilities. With over 30 years in the medical collections industry, Victor was able to see the challenges that these individuals face on a daily basis and designed CreditWatch Universitys curriculum.
Mr. Ortiz has trained hundreds with consistent and measurable increased efficiencies at patient point of admission. In fact, average increase of patient payment routinely exceeds 20%, while increased data gathering accuracy jumps over 35%. Further, patient satisfaction at point of admission has translated into a more robust and meaningful patient/facility relationship.
CreditWatch Services Ltd is extremely excited to announce the opportunity to recover delinquent AR for Maria Parham Medical Center and Persons Memorial, both based in North Carolina. Each facility is a part of the newly formed Duke University/LifePoint Hospitals Joint Venture. They add more than 150 physicians and 700 clinical support staff to an already growing LifePoint Hospital system.
"We are very pleased to welcome Maria Parham to the Duke LifePoint network of hospitals," said LifePoint Chairman and Chief Executive Officer William F. Carpenter III. "This joint venture will not only provide the hospital with new clinical and operational support, it also will help MPMC expand its recruiting efforts and enhance the healthcare services it offers to people in the region."
CreditWatch Services has been providing AR recovery services for LifePoint Hospitals since February 2009 in addition to full cycle AR consultation and education through CreditWatch University. Joseph F. Tempesta, President of CreditWatch observed, LifePoint is a key client within our Healthcare Division. Every facility is unique with patient characteristics differentiating them from other facilities within the LifePoint family. Our deep understanding of these characteristics, and facility AR processes and protocols, allows us to deploy our Debtor friendly, yet firm collection approach delivering industry best net cash return.
Fort Worth, TX (November 9, 2011)-CreditWatch Services is excited to announce the newest client to our family, Louisiana Delta Community College. Louisiana Delta Community College, based in Monroe, LA., has consistently ranked among the best in the nation in student satisfaction. Delta Community College offers two year degrees and specialized programs for certification, along with courses for personal or professional growth. Louisiana Delta Community College has been experiencing significant growth since 2010, and they have been undertaking an expansion of its facilities. They have also consolidated with Louisiana Technical College at Tallulah, and with Louisiana Technical College at Lake Providence.
We have a deep understanding of this market and are well positioned to deliver superior results, said Bruce McMichael, CreditWatch VP, who has worked closely with Delta CC developing the relationship. Jim Fuller, CreditWatch Vice President of Sales & Marketing ads: Having developed a storied history with educational institutions, our processes are well suited to Deltas geodemographic portfolio profile. We are honored to undertake this opportunity and look forward to servicing their needs recovering delinquent student loans.
Current Job Openings:
Collections Operating Division
Account Collector - Full Time
Account Collector - Part Time
Admin - Finance - Marketing - Sales - Technology
Sales Executive - New Business Development
Please go to our current listing on CareerBuilder.com for more details.
Otherwise, feel free to copy and paste a copy of your resume in the message box.
Our greatest asset is our human capital. We will continue to deliver industry best results by attracting, training and mentoring industry best talent.
Join us for a career; not just another job...
CREDIT WATCH has a deep history of promoting from within, as we believe that developed loyalty is a two-way street. Our 2012 projected growth demands that we hire only the best.
If you want to join the A-Team, to view current openings.
Yes, that's right - we did make a fast, easy, and secure way to make your payment!
Please note:
CREDIT WATCH is unlike any company you've encountered before. We're here to work with you. We understand that being in debt doesn't make you a bad person. In fact, most Americans have some form of debt at any given time. Also, sometimes people don't even know they owe money until the collection calls start. That's why we do what we do, to help you repair your credit and get your finances back on track.
We know the importance of checking your credit bureau often for accuracy, so we have provided links above for your convenience. Please take the time to get familiar
with it and understand your credit score. If you need assistance in lowering your debt or consolidating
please feel free to
Fiscal Fitness or P4P is a program CREDIT WATCH Services is proud to
partner with. They provide a structured budget, and help you strategize in
getting you the consumer out of debt.
Partners 4 Prosperity (P4P) is a nationwide firm specializing in counseling
and advising debtors toward becoming financially healthy and Fiscally Fit.
This Federally Registered Investment Advisory Firm has been in business
for 11 years with over 400, Licensed Financial Advisors, in ALL 50 states.
A budgetary system has been developed giving the ability and, in many cases,
the first real Personal Financial Education to debtors. This fiscal knowledge
will enable debtors/consumers to make informed and well thought out
financial decisions.
P4P additionally will contact other creditor(s) or agencies on behalf of the
debtor, in an effort to resolve debt.
A WIN/WIN indeed; the creditor is paid and the customer is financially
educated and living a prosperous and DEBT FREE life! Just the kind of relationship our clients value!
1. Gather every financial statement you can. This includes bank statements, investment accounts, recent utility bills and any information regarding a source of income or expense. The key for this process is to create a monthly average so the more information you can dig up the better.
2. Record all of your sources of income. If you are self-employed or have any outside sources of income be sure to record these as well. If your income is in the form of a regular paycheck where taxes are automatically deducted then using the net income, or take home pay, amount is fine. Record this total income as a monthly amount.
3. Create a list of monthly expenses. Write down a list of all the expected expenses you plan on incurring over the course of a month. This includes a mortgage payment, car payments, auto insurance, groceries, utilities, entertainment, dry cleaning, auto insurance, retirement or college savings and essentially everything you spend money on.
4. Break expenses into two categories: fixed and variable. Fixed expenses are those that stay relatively the same each month and are required parts of your way of living. They included expenses such as your mortgage or rent, car payments, cable and/or internet service, trash pickup, credit card payments and so on. These expenses for the most part are essential yet not likely to change in the budget.
Variable expenses are the type that will change from month to month and include items such as groceries, gasoline, entertainment, eating out and gifts to name a few. This category will be important when making adjustments.
5. Total your monthly income and monthly expenses. If your end result shows more income than expenses you are off to a good start. This means you can prioritize this excess to areas of your budget such as retirement savings or paying more on credit cards to eliminate that debt faster. If you are showing a higher expense column than income it means some changes will have to be made.
6. Make adjustments to expenses. If you have accurately identified and listed all of your expenses the ultimate goal would be to have your income and expense columns to be equal. This means all of your income is accounted for and budgeted for a specific expense.
If you are in a situation where expenses are higher than income you should look at your variable expenses to find areas to cut. Since these expenses are typically essential it should be easy to shave a few dollars in a few areas to bring you closer to your income.
7. Review your budget monthly. It is important to review your budget on a regular basis to make sure you are staying on track. After the first month take a minute to sit down and compare the actual expenses versus what you had created in the budget. This will show you where you did well and where you may need to improve.
We made a feature that is incredibly functional for you, our client. Access your accounts, past and present, keep up with reports, and track exsisting accounts on the fly!
ACCESS it and try it out!
