LTD Financial Services, LP
7322 Southwest Freeway Suite 1600 
Houston, TX 77074

LTD Financial Services, LP (LTD) is a Texas based 
collection agency with a satellite office in San Antonio, TX.
With our stellar reputation, LTD has become one of the 
quickest growing collection agencies in the country. LTD
is a nationally ranked (top 25), fully licensed collection
vendor that strives for operating and performance
excellence for each and everyone of our premier client
partnerships. LTD provides customized receivable solutions
in Pre-Collect, Pre-Charge-off, Primary and Secondary
collections and we do so with dedication client specific
workforce teams. LTD's considerable collection expertise
and competitive talent drives performance and delivers
superior results to our clients.

Customer Care Accounts
 
LTD strives for operational and performance excellence
for all client partnerships.  In a first party/customer care
environment, LTD will mirror your current account
management methods while looking for ways to excel
in performance based on our internal capabilities.

Collections

Pre Charge-Off Collection
LTD manages accounts that are placed as early as one day
past due and our objectives can vary depending on what
our client wants to accomplish.  Additionally, LTD can 
manage your portfolios in either first or third party 
scenarios.  Through our training and quality assurance
processes and our Agent's "problem solving approach",
customer loyalty is sustained when accounts are returned to
active status.

Pre Charge-Off System
LTD maintains connectivity to many client systems today 
including FDR, CACS, and many others.  LTD's technology
center can establish connectivity to virtually any client
system while including the latest security functions and
features available today.  Our dedicated, professional staff
can act seamlessly as a remote agent while  maintaining
the flexibility to manage different queues, ages,  and
balances at any time.  In addition to client connectivity, we 
have developed an in-house collection system with unique
features designed specifically for pre charge-off accounts.

Post Charge-Off Collection
LTD manages charge-off accounts with the objective being
to  maximize the total net dollars returned to our clients.  
We maximize the total net dollars returned to our clients.  
We accomplish this through the use of state of the art 
collection and skip tracing tools and professional, quality
trained staff.

We attempt to bring a sense of urgency to the consumer to 
raise the dollars necessary to satisfy the account.  We 
discuss possible ways for the consumer to obtain the 
necessary funds.  If the consumer  is unable or unwilling to
comply with this request, we then attempt to establish a 
dialog with the consumer that can lead to the resolution of
the account using other means.

Our objective is to resolve all account placed with us by the
collection of a balance in full when possible.  In the cases
when we are unable to collect the balance in full, we
attempt to resolve the account with a payment arrangement
for the balance, or a settlement as a last offer.

LTD offers clients results that
exceed their expectations while
maintaining a professional
consumer-to-client relationship.

Commercial Collection

Our dedicated commercial collections staff holds years of 
experience in the commercial collections arena. Our highly
trained and motivated staff manages each account with 
varying levels of strategies based on client criteria first and
foremost, then by account driven strategies. 

The commercial collections division deploys a number of
strategies based on many factors. Additionally, as many
clients provide LTD minimum and maximum guidelines,
our experienced staff understands what strategy is
necessary for the successful resolution of delinquent
commercial accounts while maintaining the critical
client/business relationship.