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Johnstown, Pennsylvania,15902 United States

1466 Frankstown Road Johnstown PA 15902 USA

Phone: 814-539-3999
Fax: 814-539-3073

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First Credit Resources, Inc., (FCR) has been a leader in the collection and repossession industry since 1991. FCR is not a towing company, we are a Bank Services Company. We are able to provide not only superior repossession services, but many other skip tracing and collection services that will reduce the number of charged off accounts that you will have. You would not hire a mechanic to work in your office as a loan officer, so why hire a tow truck driver to be your representative in the field. FCR puts highly trained, well qualified people in the field to service your needs.

FCR is your First Choice for service in the following areas:

     * Skip Tracing
     * Collections
     * Repossession
     * Vehicle Transportation
     * Asset Confirmation
     * Informational Training Sessions
     * Specialized Bank Services
     * Vehicle Remarketing

SKIP TRACING - The Art of Finding People

Skip Tracing is truly an art form and the employees of FCR are artists. Finding a person who has skipped on their obligations can be frustrating. FCR has proven tools and techniques that have located thousands of debtors. With FCR's ability to locate a debtor, charge-off accounts should be reduced dramatically. All of FCR's basic skip tracing services are included with the repossession fee. FCR offers many premium Skip Tracing Services that our corporate office will be happy to discuss these with you.

COLLECTIONS

FCR operates a full service collection department specializing in both secured and unsecured consumer and commercial debts. Our current clients are credit unions, banks, medical facilities both large and small, retail establishments, and municipalities. This service is contact intensive and not letter driven like most collection agencies. Our goal is to provide you with unsurpassed recovery ratios in an efficient professional manner.

REPOSSESSIONS

Repossessions are difficult for many financial institutions to manage. On one side you want to maintain a relationship with the customer and on the other you must protect your collateral . FCR has long held the answer to this paradox.

The process FCR uses to complete repossessions allows you to protect your security and maintain a relationship with your customer. Upon completion of most repossessions when contact with the customer is necessary the customer says "Thank You" when the agents leave with their vehicle.

VEHICLE TRANSPORTATION

With the changes in the Pennsylvania Motor Vehicle Sales Finance Act lenders are now able to move cars to sale much more quickly. FCR has the infrastructure in place to complete this task quickly and efficiently.

ASSET CONFIRMATION

This service is valuable when you need to confirm location and condition of your collateral. Mobile homes, hunting camps, trailers and homes are just some of the assets that may need confirmation. Also, you may choose to use the asset confirmation as a collection tool. An account that is either a new 30 day delinquent or a chronic 15 to 30 day delinquent can respond very favorably to a field call confirming the collateral.

INFORMATIONAL TRAINING SESSION

First Credit Resources' training staff will come to your business and have informational sessions on collections, skip tracing, and repossessions. Our training staff are not attorneys and they do not teach law but they will review current legislation and recent case law. This provides your employees with basic knowledge and allows conversations to develop between your employee and their supervisors over often overlooked areas of concern. This is important because Pennsylvania is seeing the emergence of a more educated debtor. For a collector or repossessor to be effective he/she must have an answer to the debtor's queries.

SPECIALIZED BANK SERVICES

Partnering with Life of the South, Infinity Business Group and Federal Automated Recovery Systems, FCR has been able to offer our lenders a well rounded product list that includes:

· New and Used vehicle service contracts.

· Debt cancellation programs.

· Check recovery services for commercial depositors.

· Traditional life and Accident and Health Programs.

If you have an interest in any of these products we will be more than happy to discuss them with you . One call and you will be on your way to re-invigorating your lending portfolio.

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