Abstract:
A method includes providing a customer relationship management (CRM) system executing on one or more servers, providing a vendor interface to the CRM system, providing a client interface to the CRM system, wherein the client interface enables clients to send accounts to the CRM system for pre-legal and legal work, monitor performance on the accounts, and review the accounts, providing an attorney interface to the CRM system, wherein the attorney interface provides for receiving the accounts in the legal work flow and reporting on status of the accounts in the legal work flow, and providing a consumer interface to the CRM system, wherein the consumer interface enables a consumer to view and make payments to an account associated with the consumer. Whereas, all parts are managed by one entity instead of several across various platforms and structures.

Description:
FIELD OF THE INVENTION 
       [0001]    The present invention relates to debt collection. More particularly, but not exclusively, the present invention relates to methods and systems for performing legal processing associated with debt collection. 
       BACKGROUND OF THE INVENTION 
       [0002]    Debt collection has numerous complexities and problems. These complexities may make it difficult for all parties involved in the process including consumers who have incurred the debt, creditors who are owed the debt, agencies who work on behalf of the creditors to collect the debt, and lawyers involved in the debt recovery process. What are needed are better ways to deal with consumer debt collection as it relates to legal collections 
       SUMMARY OF THE INVENTION 
       [0003]    Therefore it is primary object, feature, or advantage to the present invention to improve over the current state of the art. 
         [0004]    It is a further object, feature, or advantage of the present invention to create client and consumer transparency into and throughout the process of legal recoveries. 
         [0005]    It is another object, feature, or advantage of the present invention to provide a single point of interaction for consumers during the life of the legal process. 
         [0006]    It is another object, feature, or advantage of the present invention to provide a single source system for 100% of the phone calls and processing related to the legal process for debt collection. 
         [0007]    Another object, feature, or advantage of the present invention is to provide completely transparent functionality for all legal accounts. 
         [0008]    Yet another object, feature, or advantage of the present invention is to establish increased levels of control over each step in the process. 
         [0009]    Yet another object, feature, or advantage of the present invention is to increase expense validation. 
         [0010]    Yet another object, feature, or advantage of the present invention is to provide a system with coded rules required for each next step in the process. 
         [0011]    A still further object, feature, or advantage of the present invention is to provide the ability to stop accounts anywhere within the legal recovery process. 
         [0012]    Yet another object, feature, or advantage of the present invention is to eliminate the system of record conflicts and restraints. 
         [0013]    A further object, feature, or advantage of the present invention is to provide a single source for balance calculations, payment, and cost posting. 
         [0014]    Another object, feature, or advantage of the present invention is to provide adaptability to client payment posting (including interest calculations). 
         [0015]    A still further object, feature, or advantage of the present invention is to provide a single point of record for validation of accounts, confirmation of balances, document sources and other information. 
         [0016]    Yet another object, feature, or advantage of the present invention is to provide the opportunity for the clients to gain control over risk 
         [0017]    A still further object, feature, or advantage of the present invention is to provide a client with the ability to directly see, hear, and touch all accounts in any step within the process. 
         [0018]    Yet another object, feature, or advantage of the present invention is to provide for management of state and court level requirements and changes. 
         [0019]    Yet another object, feature, or advantage of the present invention is to establish applicable “scrubs” at each move to invalidate suit process steps. 
         [0020]    A further object, feature, or advantage of the present invention is to allow for consumer interaction points for account viewing. 
         [0021]    Yet another object, feature, or advantage of the present invention is to provide a method by which network attorneys are returned to focus primarily on their training. 
         [0022]    Another object, feature, or advantage of the present invention is to eliminate system of record (SOR) variances. 
         [0023]    A further object, feature, or advantage of the present invention is to allow a debt collection entity to control the entire process so that their regulatory strengths to manage and control the process, and their call center management skills to remove variability may be leveraged. 
         [0024]    One or more of these and/or other objects, features, or advantages of the present invention will become apparent from the specification and claims that follow. No single embodiment need to exhibit each and every object, feature, or advantage of the present invention. It is contemplated that different embodiments may have different objects, features, or advantages. 
         [0025]    According to one aspect, a method for managing legal recoveries is provided. The method includes providing a customer relationship management (CRM) system executing on one or more servers, providing a vendor interface to the CRM system, providing a client interface to the CRM system, wherein the client interface enables clients to send accounts to the CRM system for pre-legal and legal work, monitor performance on the accounts, and review the accounts, providing an attorney interface to the CRM system, wherein the attorney interface provides for receiving the accounts in the legal work flow and reporting on status of the accounts in the legal work flow, and providing a consumer interface to the CRM system, wherein the consumer interface enables a consumer to view and make payments to an account associated with the consumer. The method further includes accepting accounts for legal recovery into the CRM system from one or more clients, applying a pre legal work flow to the accounts for legal recovery in the CRM system, applying a legal decision matrix to determine whether the accounts advance to a legal work flow from the pre legal work flow, and for the accounts which advance to the legal work flow, assigning the accounts to one or more attorneys and communicating information about the accounts through the attorney interface. 
         [0026]    According to another aspect, a system for legal processing is provided. The system includes a customer relationship management (CRM) system wherein the customer relationship management system executes on at least one computing device and is cloud-based. The system further includes a vendor interface to the CRM system, the vendor interface available through the cloud for interacting with the CRM system, wherein the vendor interface enables vendors to perform vendor functions. The system further includes a client interface to the CRM system, the client interface available through the cloud for interacting with the CRM system, wherein the client interface enables clients to perform client functions. The system further includes a consumer interface, the consumer interface available through the cloud for interacting with the CRM system, wherein the consumer interface enables consumers to perform consumer functions. The system is configured for accepting accounts for legal recovery into the CRM system from one or more clients, applying a pre legal work flow to the accounts for legal recovery in the CRM system, and applying a legal decision matrix to determine whether the accounts advance to a legal work flow from the pre legal work flow. 
     
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
         [0027]      FIG. 1  is a block diagram illustrating another example of a system. 
           [0028]      FIG. 2  provides another example of a process flow overview. 
           [0029]      FIG. 3  illustrates another example of a pre-legal work flow. 
           [0030]      FIG. 4  illustrates another example of a legal decision matrix. 
           [0031]      FIG. 5  illustrates another example of a legal work flow. 
           [0032]      FIG. 6  illustrates another example of a case management work flow. 
           [0033]      FIG. 7  illustrates an example of a payment module. 
           [0034]      FIG. 8  illustrates an example of a compliance module. 
           [0035]      FIG. 9  illustrates an example of a non-producing judgment module. 
           [0036]      FIG. 10  illustrates an example of a skip trace module. 
           [0037]      FIG. 11  is a block diagram illustrating another example of a system of the present invention. 
       
    
    
     DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS 
       [0038]    The present invention provides for managing the debt collection process, including where the legal process is used for debt collection. The present invention allows for a systematic and complete management of various phases in order to provide transparency, increased efficiency, and more control over the process. 
         [0039]      FIG. 1  is a block diagram illustrating another embodiment of a system  100 . As shown in  FIG. 1 , a computing system  102  provides for model decisions  104 ,  0 /S services  106 , CRM processing  108 , and applying an account distribution strategy  110 . The computing system provides for receiving client legal accounts  112  from clients and provides a client interface  114  such as through a cloud-based platform. A consumer interface  116  is also provided. In addition interactions can occur with various vendors including a first attorney  118 , a second attorney  120 , a third attorney  122 , and additional attorneys  124  as shown. 
         [0040]      FIG. 2  provides another example of a process flow overview. The process  200  is shown. In a first step  202  a client places accounts and in step  204  the accounts are loaded into the CRM system. In step  206  the skip trace module is executed for the accounts. The skip tracing may use a waterfall process as described in U.S. patent application Ser. No. 14/026,074 (“cloud based skip tracing”), hereby incorporated by reference in its entirety. Skip tracing may be performed using services from one or more vendors. In step  208  the pre-legal workflow process is executed allowing for a pause if a payment posts. In step  210  collection efforts are performed. In step  212  accounts are updated. In step  214  documents and/or media are processed. In step  216  data elements and media are updated. In step  218  a legal decision matrix is implemented. For accounts that fail, these accounts are returned to the pre-legal workflow  208 . For accounts which pass, these accounts are advanced to the legal work flow process  220 . Then in step  222 , the accounts are assigned to an attorney. In step  224  a suit is filed. If the suit is lost then the process stops in step  226 . If the suit is won then in step  228  a judgment is granted and in step  230  a garnishment is filed. In step  232  a determination is made as to whether the balance is paid. If it is then the process stops in step  226 . If not, then the process continues to the legal work flow  220 . Thus, the process  200  provides for managing collection efforts. 
         [0041]      FIG. 3  illustrates another example of a pre-legal work flow. According to the pre-legal workflow  300 , in step  302  a client places accounts. In step  304 , the accounts are loaded into a CRM system. In step  306  a skip trace module is applied. In step  308  each account is assigned to a collection unit. In step  310  a first notice is sent. In step  312  the accounts may be placed in a collection work list. In step  314  a compliance module subroutine may be executed to ensure compliance. In step  316  account contact efforts may be performed. In step  318  collection strategies may be applied. The collection strategies may include sending the accounts to a dialer and having representatives speak with the debtor. In step  320 , documents and/or media related to the debt may be processed. In step  322  a payment module sub-routine may be executed. If the module fails, the process returns to step  318 . If the module passes, then in step  324  the account or accounts can proceed to the legal decision matrix. 
         [0042]      FIG. 4  illustrates another example of a legal decision matrix  400 . In step  402  accounts are placed from a client. In step  404  accounts are loaded into the CRM system. In step  406  a skip trace module is executed. In step  408  a compliance module sub-routine is executed. In step  410  a determination is made as to whether required data elements are present. If they are then in step  420  a determination is made as to whether documents and/or media needed to support a legal claim are present. If they are then in step  422  a determination is made as to whether a current balance limit has been reached as may be set by a particular state level requirements. If it is then in step  424  a determination is made as to whether a current balance limit is reached as set by the client. If it is then in step  426  a determination is made as to whether the account is in an excluded state. If it is not, then in step  428  a determination is made as to whether the debt owed falls within the statute of limitations. If it does, then the account is then moved to the legal work flow process  430 . If in step  410  required data elements are not present, or in step  420  documents and media is not present, or if in step  422  the current balance limit is not reached for the state, or if in step  424  the current balance limit is not reached for the client, of if in step  426  the account is in an excluded state, or in step  428  the debt owed is not within the statute of limitations then the process proceeds to step  432  where a determination is made as to whether the account was from a pre-legal workflow. If it was not, then in step  434  a determination is made as to how long the account has been placed. If the account has been placed for greater than a threshold number of days then in step  436  the account is returned to the client. If in step  434  the account has not been placed for greater than a threshold number of days, in step  440  the account may be returned to legal work flow. If in step  432  a determination is made that the account came from a pre-legal workflow then in step  438  the account may be returned to the pre-legal workflow. 
         [0043]      FIG. 5  illustrates another example of a legal work flow. In the process  500 , in step  502  one or more accounts are received from the legal decision matrix. In step  504  the accounts are assigned to an attorney collection unit. In step  506  a skip trace module may be executed. In step  508  a first notice may be sent. In step  510  accounts are placed in an attorney pre-legal work list. In step  512  a compliance module sub routine may be executed. In step  514  account contact efforts are implemented. In step  516  collection strategies are applied. In step  518  a payment, promise, mail return, compliance (PPMC) module subroutine is executed. The PPMC module is used to track payments, promises to make payments, mail returns, and compliance including compliance with promise to make payments. In step  520  documents are received. In step  522  a law suit is prepared. In step  524  suit collection strategies are applied. In step  526  a PPMC module sub-routine is executed. In step  528  a suit is filed. In step  530  a determination is made as to whether or not there was an answer. If not, then the process proceeds to a judgment in step  532 . If there is an answer then in step  546  the answer can be evaluated to determine if there are counterclaims, if there will be a trial, if witnesses are need and in step  540  the process proceeds for case management. Returning to step  532  after there is a judgment, in step  534  judgment collection strategies may be applied. In step  536  a PPMC module sub-routine may be executed. In step  538  post judgment execution is performed. In step  540  a PPMC module sub routine may be executed. In step  542  a non-producing judgment module sub routine may be executed. 
         [0044]      FIG. 6  illustrates another example of a case management work flow. The process  600  begins in step  601  from the legal work flow. In step  602  a determination is made as to whether counter claims were filed, a trial is needed, or there is a request for a witness. If there is a counterclaim then in step  604  a counterclaim has been filed and so in step  606  appropriate notes are entered in the CRM system. In step  608  the appropriate court date is calendared. In step  610  the counterclaim defendant is determined. If the counterclaim defendant is the client then in step  612  the client is notified and a compliance department is notified. In step  614  the process may be paused to allow time for compliance and the client to become involved. Returning to step  610  if a determination is made that the counterclaim defendant is the servicer, then in step  616  the compliance department and compliance may be notified. Returning to step  602  if the case is to proceed to trial, in step  618  notes may be entered on the CRM system and in step  620  a hearing date may be calendared. Returning to step  602  if there are witnesses, then in step  622  notes including the witnesses needed may be entered on the CRM system. Then in step  624  the court date may be calendared and in step  626  the client is notified of the request for a witness. 
         [0045]      FIG. 7  illustrates an example of operation of a payment module  700 . In step  702  an account enters the sub routine. In step  704  a determination is made as to how long the account has been placed. This determination may take into account the length of time the account has been placed in pre-legal workflow or the length of time the account has been placed in legal workflow. For example, if the account has been place for greater than a threshold number of days in pre-legal workflow (or legal work flow), the process proceeds to step  708 . If the account has not been placed for a sufficient amount of time, then the process proceeds to step  706  back to the appropriate collection step. If in step  704  a determination is made that the account has been placed for the appropriate number of days, then in step  708  a determination is made as to whether a payment has made within a threshold number of days. If it has, then in step  724  a determination is made as to whether the payment was payment in full. If it was then the account is returned to the client in step  722 . If there is a payment, but it is not payment in full, then in step  726  a determination is made as to whether the account has been settled. If it has, then in step  728  the account returns to the client. If not, then in step  730  the process returns to the preceding collection step. Returning to step  708 , if no payment is made within the given time period, then in step  710  a determination is made as to whether there is an existing promise to pay within the given time period. If there is, then in step  712  the process returns to a preceding collection step. If not, then in step  714  a determination is made as to whether there is a mail return flag indicating that mail has been returned. If there is, then in step  716  the process returns to the preceding collection step. If not, then in step  718  compliance validation occurs and if passed, in step  720  the process returns. 
         [0046]      FIG. 8  illustrates an example of a compliance module  800 . In step  802 , the process is invoked from a PPMC, pre-legal workflow, or legal workflow. In step  804  a determination is made as to whether the number of days remaining in the statute of limitations (SOL) is greater than a threshold number of days. If it is not, then in step  806  the process returns to the preceding collection step. If it is, then in step  808  a determination is made as to whether the Social Security Income (SSI) or the Servicemembers Civil Relief Act (SCRA) classification is valid. If it is, then in step  810  the process returns to the preceding collection step. If it is not, then in step  812  a determination is made as to whether there is a bankruptcy or whether the debt involves a deceased individual, fraud is alleged, or there is a dispute as to amount. If it is then in step  814  the account is returned to the client. If not, then in step  816  the process returns to normal activity. 
         [0047]      FIG. 9  illustrates an example of a non-producing judgment module  900 . In step  902  an account enters the sub routine. In step  904  a determination is made as to whether there is a judgment. If not, then in step  906  a determination is made as to whether a suit has been filed. If not, then in step  908  the account returns to the attorney pre-legal work list. If there is a suit filed then in step  910  the process returns to suit collection strategies. Returning to step  904  if there is a judgment then in step  912  a determination is made as to whether the difference between the current date and the judgment date is greater than a threshold. If not, then in step  914  the process returns to the preceding collection step. If it is, then in step  916  a determination is made as to whether the difference between the current date and the last payment date is greater than a threshold or null. If not, then in step  918  the process returns to the preceding collection step. If it is, then in step  920  the status in the CRM system is populated to reflect a non-producing judgment. Then in step  922 , the account is sent to an attorney non-producing judgment unit. In step  924  a skip trace module is executed. In step  926  accounts are placed in the attorney non-producing judgment work list. In step  928  the compliance module sub routine is executed. In step  930  account contact efforts are performed. In step  932  non-producing judgment strategies are applied. In step  934  a determination is made as to whether post judgment execution is available. If not, then in step  936  the account is returned to the attorney non-producing judgment collection unit. If execution is available, then in step  938  the process returns to the legal work flow post judgment execution. 
         [0048]      FIG. 10  illustrates an example of a skip trace module  1000 . In step  1002  an account enters the skip trace module. In step  1004  one or more skip trace vendors are used to find a consumer owing debt. In step  1006  a real estate and place of employment (POE) vendor is used. In step  1008  the account is scored. In step  1010  a determination is made as to whether new data elements are applied to the accounts. In step  1012  the skip trace module is completed and the process returns to its previous activity. 
         [0049]      FIG. 11  is a block diagram illustrating a system  1200 . As shown in the system  1200  there is a consumer  1202 . The consumer can interact with a call center  1203  which may include a dialer  1205 . The call center  1203  may be operatively connected to one or more servers  1204 . Thus, one or more dialers may be integrated with a CRM system. The dialer(s) may be used for placing calls or routing inbound calls. Account records  1206  may be stored in a database operatively connected to the server(s)  1204  associated with a CRM system. Various different user interfaces are also provided. These include a network attorney interface  1210  which is an example of a vendor interface, a consumer interface  1212 , and a client interface  1214 . 
         [0050]    The invention allows for a comprehensive system and methodology which allows for one entity such as a debt collection agency to manage the debt collection process in an efficient and effective manner. Because a single system and integrated methodology is used, the status of a given account can be readily determined at any point in time. This is a significant advantage, especially with respect to those accounts which have been referred out to attorneys for collections. In addition, because an integrated system is used workflows can be controlled to ensure efficiency and transparency throughout the process. 
         [0051]    As previously explained, the system may be a cloud-based server which executes on a server. The server may be a virtual server or physical server and may be distributed across multiple machines to provide services such as those described herein. The server may be programmed in software to perform the functions described, with instruction sets executing on the server performing the functionality described. The instructions as well as data may be stored on non-transitory computer readable storage media. 
         [0052]    Therefore, various embodiments have been showing related to systems, methods, and apparatus associated with debt collection. Although specific examples are shown, the present invention should not be limited to these specific examples as various options and alternatives are contemplated such as may be appropriate in particular circumstances.