Collection Process

AVCInc is consumer friendly and urges customers to manage their services and to pay their bills on time. It is the customer's responsibility to keep their AVCInc account record correct and valid. AVCInc provides the on-line tools and the customer service so there should never be a need for AVCInc to debit a cancelled credit card or a closed checking account. If a customer has a payment problem, they should contact AVCInc by e-mail or telephone, and AVCInc will defer their payment for one-month without any penalty. Customers are always given the benefit of any doubt until their trust is lost. Once the trust is lost, it will take six months to get it back.

The AVCInc collection process begins when AVCInc has not received full payment for the previous monthly bill plus the grace period for the payment method. The grace period for paper checks is 22-days, ACH transactions are 11-days, and credit/debit cards are 1-day. For example, if a customer billed on May 5th and AVCInc does not receive an expected paper check by June 27th, then the collection process is started.

The collection process begins with suspending all services and a letter being mailed via USPS by AVCInc to the customer stating that their account is in arrears and that they have 11-days for AVCInc to receive full payment by mailing a paper check to AVCInc. The letter also states that after the 11-day period, a $50.00 collection fee and legal fees will be added to the owed balance and that the account will be assessed interest at the 1.5% each month on the unpaid balance.

Following the 11-day payment period, the account will be closed and will be assessed the collection fee of $50.00 and a legal fee based in the amount of the current account balance. The account will be turned over to Transworld Systems for collection.

Transworld Systems will track down the customer and start a series of five letters to the customer sent every ten days. During this period, the customer can settle their account by making full payment to AVCInc.

At the end of the five-letter cycle, Transworld System will turn the account over to their legal department CMS, and CMS will begin legal proceedings. During this period, a full payment can only be made to CMS.

If the legal action does not produce a payment, then AVCInc will post the outstanding obligation to the customer's credit report and on-line, as a public credit report.

AVCInc service rates are based on AVCInc collecting payments from its customers. Please don't force us through the collection process. If you contact AVCInc in advance of a payment problem, you will certainly get more compassion from AVCInc than letting us discover the problem by not receiving a payment.