• Debt purchasers, Contingency Clients and many collection agencies place accounts and their overflow debt with CTI because of our domestic and overseas collection call centers that produce the same liquidation on collection portfolios as most US agencies, but CTI can get it done for less and this enables our collection call centers to get optimum liquidation and ROI (return on investment) for our investors, clients and joint venture partners.
• Our India call centers also run double shifts at the same rate of pay, which enables them to have increased collections
• Most U.S. agencies can’t run double shifts as it’s not financially feasible to run the second shift and pay collectors $25.00 an hour plus

Collection Training Institute, LLC also attracts many investors and investment groups worldwide that purchase debt and place it out for collection. Due to our ability to run that second shift In India and to get the job done for less, it maximizes profits for investors and investment groups and gives them a wonderful stock market alternative.

Collection Training Institute, LLC has an established network of attorneys in all 50 states. The legal portion of our collection process makes up for a good portion of the Return on Investment (ROI) for our investors, client and joint venture partners and is a pivotal aspect of our process. Many agencies lose money by not pursuing qualified legal accounts. This type of aggressive collection policy is what separates CTI from the rest of the industry.

CTI strives to provide a variety of different products like FRESH and secondary credit card debt, check portfolios and pay day loan portfolios to name a few. CTI believes the more versatile and diversified your collection portfolio is the higher your total yield and liquidation will be. Therefore, CTI will continue to find additional quality products to deepen it’s inventory.

• Each call center has the ability to take debtor payments via check by phone, credit card, debit card, ACH, wire transfer, Moneygram or mailed check, money order or cashiers check
• All payments and communication goes through CTI and daily imaged copies of daily posted payments and letters received sent by debtors is provided to each call center as well as received Validation of Debt to support the balance owed or death and bankruptcy information that has been requested by the debtor or collector
• This documentation is scanned right into CSS IMPACT, our collection software. Investment Client and Call center disbursements are made monthly

• Our Joint Venture Partners that decide to purchase debt for the Joint Venture Collection Call Center Program will receive monthly disbursements from CTI’s Certified Public Accountant. The debt purchase program is a three year program that historically yields 70% - 130% profit over that three year period which is referred to as the lifetime of the debt.
• The first year of collection is pre-legal and years two and three is mainly litigation against asset based debtors, which are defined as debtors who own property or have a garnishable job
• The total overall collection or liquidation including all litigation accounts is historically between 19% and 25% of the face value amount purchased in the portfolio
• This translates into profit for our investors of between 70% - 130% over the average 3 year lifetime of the debt, which is disbursed monthly
• Investment of $1,000,000.00 cash will buy at 7 cents on the dollar $14,285,714.29 worth of face value debt
• CTI will collect 19% ($2,714,285.72) to 25% ($3,571,428.57) over approximately 3 years
• The return to investor monthly will be 62.5% of all funds collected
• So on 19% ($2,714,285.72) that would be $1,696,428.58 returned on the investment of $1,000,000.00 or 70% profit over 3 years or at an average rate of approximately 23% a year
  
  And on the 25% ($3,571,428.57) 62.5% of that would be $2,232,142.86 returned on the investment of $1,000,000.00 or 123% profit over 3 years or at an average rate of approximately 41% a year.

• As part of our due diligence in purchasing every portfolio that CTI reviews for purchase is put through a stratification program that breaks down all of the specifics about that portfolio
• For instance it would show how many accounts are located by state and the percentage in those states of the total accounts in that portfolio
• It might also show the average balances in each state and also identify how many account balances are over a certain balance amount like $10,000.00, which is less likely in most cases to be collected than a $5,000.00 account balance