We believe that our business success is tied to the success of our efforts to strengthen the economic, social, and cultural fabric of our communities. We invest in our community through initiatives aimed at understanding the role we can play in helping solve the financial difficulties faced by financially-distressed consumers.

An example of our commitment is the formation of the Consumer Credit Research Institute (CCRI). The CCRI will take a scientific approach to understanding the ways in which consumers get into financial trouble and may point to better ways to break the chronic debt cycles that can lead to ongoing financial distress. The institute represents an industry-leading effort by our company to differentiate and describe an important, and often neglected, consumer segment. By partnering with leading universities, non-profit organizations, and governmental agencies, we hope the CCRI may be able to help advance thinking in the areas of public policy, financial education, and business operations.

*Please understand that this is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.