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  1. For years now most debtors in my auto finance delinquent files only have cell phone numbers, and those numbers get changed often by debtors dodging a phone call demanding payment.  If a cell phone is listed on a credit application as a home phone, or if a cell phone is the only phone that the debtor has that a skip trace locates, yes I am going to call it.


    The tools that allow us to know if we are calling a cell phone or a land line are free, but also not perfect.  Because of the portability of phone numbers we don’t know if we are calling a VoIP, cell or land line.

    Valerie McGilvrey

    Asset Management
    Accredited Collection Agency



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