01120dhFAMS.pdf

EXHIBIT A1 – BIDDER’S CERTIFICATION PAGE 1

(Rev 2019-07-30)

EXHIBIT A1 – BIDDER’S CERTIFICATION

Competitive Solicitation: No. 01120 – Debt Collection Services

Bidder: _________________________________ Type/print full legal name of Bidder

Bidder’s Address: 665 Molly Lane, Suite 110, Woodstock, GA 30189

Type/print Bidder’s Address

Bidder Organization Type:

Check appropriate box

Corporation: Domestic ✓Foreign

Limited Liability Company (LLC): Domestic Foreign

Partnership: Domestic Foreign

Sole Proprietorship:

State of Formation: Georgia Type/print the state where the corporation, LLC, or partnership is formed – e.g., ‘Washington’ if domestic and the name of the state if ‘Foreign’ (i.e., not Washington)

Bidder, through the duly authorized undersigned, makes this certification as a required element of submitting a responsive bid. Bidder certifies, to the best of its knowledge and belief that the following are true, complete, correct, and made in good faith:

1. UNDERSTANDING. Bidder certifies that Bidder has read, thoroughly examined, and fully understands all of the provisions in the Competitive Solicitation (including all exhibits) and the terms and conditions of the Master Contract and any amendments or clarifications to the Competitive Solicitation, and agrees to abide by the same.

2. ACCURACY. Bidder certifies that Bidder has carefully prepared and reviewed its bid and fully supports the accuracy of the same. Bidder further understands and acknowledges that Enterprise Services shall not be responsible for any errors or omission on the part of Bidder in preparing its bid. Bidder certifies that the facts declared here are true and accurate. Bidder further understands and acknowledges that the continuing compliance with these statements and all requirements of the Competitive Solicitation are conditions precedent to the award or continuation of the resulting Master Contract.

3. NO COLLUSION OR ANTI-COMPETITIVE PRACTICES. Bidder certifies that Bidder has not, either directly or indirectly, entered into any agreement, participated in any collusion, or otherwise taken any action in restraint of free competitive bidding in connection with this Competitive Solicitation.

Bidder certifies that Bidder’s bid prices have been arrived at independently, without engaging in collusion, bid rigging, or any other illegal activity, and without for the purpose of restricting

Financial Asset Management Systems, Inc. (FAMS)

EXHIBIT A1 – BIDDER’S CERTIFICATION PAGE 2

competition any consultation, communication, or agreement with any other bidder or competitor relating to (a) those prices, (b) the intention to submit a bid, or (c) the methods or factors used to calculate the prices offered. Bidder certifies that Bidder has not been and will not knowingly disclose its bid prices, directly or indirectly, to any other bidder or competitor before award of a Master Contract, unless otherwise required by law. Bidder certifies that Bidder has made no attempt and shall not make any attempt to induce any other person or firm to submit or not to submit a bid for the purpose of restricting competition. Bidder, however, freely may join with other persons or organizations for the purpose of presenting a bid.

4. FIRM OFFER. Bidder certifies that its bid, attached hereto, is a firm offer which cannot be withdrawn for a period of ninety (90) days from and after the bid due date specified in the Competitive Solicitation. Enterprise Services may accept such bid, with or without further negotiation, at any time within such period. In the event of a protest, Bidder’s bid shall remain valid for such period or until the protest and any related court action is resolved, whichever is later.

5. CONFLICT OF INTEREST. Bidder certifies that, in preparing this bid, Bidder has not been assisted by any current or former employee of the State of Washington whose duties relate (or did relate) to this Competitive Solicitation, or prospective Master Contract, and who was assisting in other than his or her official, public capacity. Neither does such a person nor any member of his or her immediate family have any financial interest in the outcome of this bid.

6. NO REIMBURSEMENT. Bidder certifies that Bidder understands that the State of Washington will not reimburse Bidder for any costs incurred in the preparation of this bid. All bids become the property of the State of Washington, and Bidder claims no proprietary right to the ideas, writings, items, or samples unless so stated in the bid.

7. PERFORMANCE. Bidder certifies that Bidder understands that its submittal of a bid and execution of this Bidder’s Certification certifies bidder’s willingness to comply with the Master Contract, if awarded such. By submitting this bid, Bidder hereby offers to furnish the goods and/or services solicited pursuant to this Competitive Solicitation in compliance with all terms, conditions, and performance requirements contained in this Competitive Solicitation and the resulting Master Contract or, if applicable, as detailed on a Contract Issues List, if permitted, in this Competitive Solicitation.

8. INSURANCE. Bidder certifies as follows (must check one):

✓BIDDER HAS REQUIRED INSURANCE. Bidder has attached a current, valid Certificate of Insurance with each and all of the required insurance coverages as specified in the Master Contract (note: Bidder must attach the Insurance Certificate).

OR

BIDDER WILL OBTAIN REQUIRED INSURANCE. Bidder does not have a current, valid Certificate of Insurance with each and all of the required insurance coverages as specified in the Master Contract but, if designated as the Apparent Successful Bidder, Bidder will provide such a Certificate of Insurance, without exception of any kind, to Enterprise Services within twenty-four (24) hours of such designation or notification by Enterprise Services or be deemed a nonresponsive bid.

OR

BIDDER DOES NOT HAVE REQUIRED INSURANCE. As detailed on the attached explanation (Bidder to provide), Bidder does not have a current, valid Certificate of Insurance

EXHIBIT A1 – BIDDER’S CERTIFICATION PAGE 3

with each and all of the required insurance coverages as specified in the Master Contract and, if designated as the Apparent Successful Bidder would not be able to provide such a Certificate of Insurance to Enterprise Services within twenty-four (24) hours of such designation.

9. DEBARMENT. Bidder certifies as follows (must check one):

✓NO DEBARMENT. Bidder and/or its principals are not presently debarred, suspended, proposed for debarment, declared ineligible, or voluntarily excluded from contracting with any federal, state, or local governmental entity.

OR

DEBARRED. As detailed on the attached explanation (Bidder to provide), Bidder and/or its principals presently are debarred, suspended, proposed for debarment, declared ineligible, or voluntarily excluded from contracting with a federal, state, or local governmental entity.

10. CRIMINAL OFFENSE. Bidder certifies as follows (must check one):

✓NO CRIMINAL OFFENSE. Bidder has not, within the three (3) year period preceding the date of this Competitive Solicitation, been convicted or had a civil judgment rendered against Bidder for commission of fraud or a criminal offense in connection with obtaining, attempting to obtain, or performing a governmental contract; violation of any federal or state antitrust statute; or commission of embezzlement, theft, forgery, bribery, falsification or destruction of records, making false statements, or receiving stolen property. Bidder further certifies that it is not presently indicted or otherwise criminally or civilly charged by a governmental entity with commission of any of the offenses enumerated in this paragraph.

OR

CRIMINAL OFFENSE. As detailed on the attached explanation (Bidder to provide), within the three (3) year period preceding the date of this Competitive Solicitation, Bidder has been convicted or had a civil judgment rendered against Bidder for commission of fraud or a criminal offense in connection with obtaining, attempting to obtain, or performing a governmental contract; violation of any federal or state antitrust statute; or commission of embezzlement, theft, forgery, bribery, falsification or destruction of records, making false statements, or receiving stolen property.

11. WAGE THEFT PREVENTION. Bidder certifies as follows (must check one):

✓NO WAGE VIOLATIONS. Bidder has NOT been determined by a final and binding citation and notice of assessment issued by the Washington Department of Labor and Industries or through a civil judgment entered by a court of limited or general jurisdiction to have willfully violated, as defined in RCW 49.48.082, any provision of RCW chapters 49.46, 49.48, or 49.52 within three (3) years prior to the date of the above-referenced Competitive Solicitation date.

OR

VIOLATIONS OF WAGE LAWS. Bidder has been determined by a final and binding citation and notice of assessment issued by the Washington Department of Labor and Industries or through a civil judgment entered by a court of limited or general jurisdiction to have willfully violated, as defined in RCW 49.48.082, a provision of RCW chapters 49.46, 49.48, or 49.52 within three (3) years prior to the date of the http://app.leg.wa.gov/RCW/default.aspx?cite=49.48.082 http://app.leg.wa.gov/RCW/default.aspx?cite=49.46 http://app.leg.wa.gov/RCW/default.aspx?cite=49.48 http://app.leg.wa.gov/RCW/default.aspx?cite=49.52 http://app.leg.wa.gov/RCW/default.aspx?cite=49.48.082 http://app.leg.wa.gov/RCW/default.aspx?cite=49.46 http://app.leg.wa.gov/RCW/default.aspx?cite=49.48 http://app.leg.wa.gov/RCW/default.aspx?cite=49.52

EXHIBIT A1 – BIDDER’S CERTIFICATION PAGE 4

above-referenced Competitive Solicitation date.

12. PAY EQUALITY. Bidder certifies as follows (must check one):

✓PAY EQUALITY FOR SIMILARLY EMPLOYED WORKERS. Bidder’s similarly employed individuals are compensated as equals. For purposes of this provision, employees are similarly employed if the individuals work for the same employer, the performance of the job requires comparable skill, effort, and responsibility, and the jobs are performed under similar working conditions. Job titles alone are not determinative of whether employees are similarly employed. Bidder may allow differentials in compensation for its workers based in good faith on any of the following: a seniority system; a merit system; a system that measures earnings by quantity or quality of production; a bona fide job-related factor or factors; or a bona fide regional difference in compensation levels. A bona fide job-related factor or factors may include, but not be limited to, education, training, or experience that is: consistent with business necessity; not based on or derived from a gender-based differential; and accounts for the entire differential. A bona fide regional difference in compensation level must be consistent with business necessity; not based on or derived from a gender-based differential; and account for the entire differential.

OR

NO PAY EQUALITY FOR SIMILARLY EMPLOYED WORKERS. Bidder’s similarly employed individuals are NOT compensated as equals.

13. WORKERS’ RIGHTS (EXECUTIVE ORDER 18-03). Bidder certifies as follows (must check one):

✓NO MANDATORY INDIVIDUAL ARBITRATION CLAUSES AND CLASS OR COLLECTIVE ACTION WAIVERS FOR

EMPLOYEES. Bidder does NOT require its employees, as a condition of employment, to sign or agree to mandatory individual arbitration clauses or class or collective action waivers.

OR

MANDATORY INDIVIDUAL ARBITRATION CLAUSES AND CLASS OR COLLECTIVE ACTION WAIVERS FOR

EMPLOYEES. Bidder requires its employees, as a condition of employment, to sign or agree to mandatory individual arbitration clauses or class or collective action waivers.

14. TERMINATION FOR DEFAULT OR CAUSE. Bidder certifies as follows (must check one):

✓NO TERMINATION FOR DEFAULT OR CAUSE. Bidder has not, within the three (3) year period preceding the date of this Competitive Solicitation, had one (1) or more federal, state, or local governmental contracts terminated for cause or default.

OR

TERMINATION FOR DEFAULT OR CAUSE. As detailed on the attached explanation (Bidder to provide), within the three (3) year period preceding the date of this Competitive Solicitation, Bidder has had one (1) or more federal, state, or local governmental contracts terminated for cause or default.

15. TAXES. Bidder certifies as follows (must check one):

✓TAXES PAID. Except as validly contested, Bidder is not delinquent and has paid or has arranged for payment of all taxes due to the State of Washington and has filed all required returns and reports as applicable.

OR

EXHIBIT A1 – BIDDER’S CERTIFICATION PAGE 5

DELINQUENT TAXES. As detailed on the attached explanation (Bidder to provide), Bidder has not paid or arranged for payment of all taxes due to the State of Washington and/or has not timely filed all required returns and reports as applicable.

16. LAWFUL REGISTRATION. Bidder, if conducting business other than as a sole proprietorship (e.g., Bidder is a corporation, limited liability company, partnership) certifies as follows (must check one):

✓CURRENT LAWFUL REGISTRATION. Bidder is in good standing in the State of Washington and the jurisdiction where Bidder is organized, including having timely filed all required annual reports.

OR

DELINQUENT REGISTRATION. As detailed on the attached explanation (Bidder to provide), Bidder currently is not in good standing in the State of Washington and/or the jurisdiction where Bidder is organized.

17. SUBCONTRACTORS. Bidder certifies as follows (must check one):

✓NO SUBCONTRACTORS. If awarded a Master Contract, Bidder will not utilize subcontractors to provide the goods and/or services subject to this Competitive Solicitation.

OR

SUBCONTRACTORS. As detailed on the attached explanation (Bidder to provide), If awarded a Master Contract, Bidder will utilize subcontractors to provide the goods and/or services subject to this Competitive Solicitation. In such event, Bidder certifies that, as to the State, Bidder shall retain responsibility for its subcontractors, including, without limitation, liability for any subcontractor’s acts or omissions.

Note: Bidder must provide the precise legal name (including state of organization), business address, and federal tax identification number (TIN) for each subcontractor.

Note: If the TIN is a SSN, provide only the last four (4) digits.

18. WASHINGTON SMALL BUSINESS. Bidder certifies as follows (must check one):

WASHINGTON SMALL BUSINESS. Bidder is a Washington Small Business as defined to RCW 39.26.010 (i.e., Bidder is owned and operated independently from all other businesses and has either: (a) fifty (50) or fewer employees; or (b) gross revenue of less than seven million dollars ($7,000,000) annually as reported on its federal income tax return or its return filed with the Washington State Department of Revenue over the previous three consecutive years) and Bidder has certified its small business status in WEBS.

OR

✓NOT WASHINGTON SMALL BUSINESS. Bidder is not a Washington Small Business as defined in RCW 39.26.010.

19. DEBT COLLECTION SERVICES PERFORMANCE REQUIREMENTS. Bidder certifies as follows (must check one):

✓MEETS OR EXCEEDS PERFORMANCE REQUIREMENTS. Bidder meets or exceeds the performance requirements specified in Exhibit B – Debt Collection Services Performance Requirements.

http://www.des.wa.gov/services/ContractingPurchasing/Business/Pages/WEBSRegistration.aspx

EXHIBIT A1 – BIDDER’S CERTIFICATION PAGE 6

OR

DOES NOT MEET OR EXCEED PERFORMANCE REQUIREMENTS. Bidder does NOT meet or exceed the performance requirements specified in Exhibit B – Debt Collection Services Performance Requirements.

20. REFERENCES. Bidder certifies that the references provided to Enterprise Services have worked with Bidder and that such individuals and firms have full permission, without any additional requirement or release, to provide such references and information to Enterprise Services. Bidder hereby authorizes Enterprise Services (or its agent) to contact Bidder’s references and others who may have pertinent information regarding Bidder’s prior experience and ability to perform the Master Contract, if awarded. Bidder hereby authorizes such individuals and firms to provide such references and release to Enterprise Services information pertaining to the same.

21. LICENSING. Bidder certifies as follows (must check one):

✓Bidder’s debt collection services comply with both Washington’s Collection Agency Act (RCW 19.16) regulations and the Fair Debt Collection Practices Act (FDCPA) and regulations.

OR

Bidder is NOT compliant with both Washington’s Collection Agency Act (RCW 19.16) regulations and the Fair Debt Collection Practices Act (FDCPA) and regulations.

22. COMPLIANCE WITH HIPAA. Bidder certifies as follows (must check one):

✓Bidder’s debt collection practices and operations pertaining to medical debt are performed by Bidder’s staff who are trained and operate in compliance with the Health Insurance & Portability and Accountability Act (HIPAA) and regulations.

OR

Bidder’s debt collection practices and operations pertaining to medical debt are performed by Bidder’s staff who are NOT trained and operate in compliance with the Health Insurance & Portability and Accountability Act (HIPAA) and regulations.

23. LICENSED, EXPERIENCED DEBT COLLECTOR AGENCY. Bidder certifies as follows (must check one):

✓CURRENT LICENSED, EXPERIENCED DEBT COLLECTION AGENCY. Bidder is a Washington licensed debt collection agency in good standing with a minimum of ten (10) years cumulative experience.

OR

NOT CURRENT LICENSED, EXPERIENCED DEBT COLLECTION AGENCY. Bidder is not a Washington licensed debt collection agency in good standing with a minimum of ten (10) years cumulative experience.

Bidder further certifies that it shall provide immediate written notice to Enterprise Services if, at any time prior to a contract award, Bidder learns that any of its certifications set forth herein were erroneous when submitted or has become erroneous by reason of changed circumstances.

Financial Asset Management Systems, Inc. (FAMS) mailto:DESContractsTeamCedar@des.wa.gov

EXHIBIT A2 – BIDDER’S PROFILE PAGE 1

EXHIBIT A2 – BIDDER’S PROFILE

Competitive Solicitation No.: 01120 – Debt Collection Services

Bidder: Financial Asset Management Systems, Inc. (FAMS)

BIDDER INFORMATION

Legal name (from Business License) and address:

Financial Asset Management Systems, Inc. (FAMS)

Business Name 665 Molly Lane, Suite 110

Address Woodstock, GA 30189

City, State, Zip Code

Washington State Department of Revenue Registration Number

Note: This is the Unified Business Identifier (UBI) 601-651-478

Federal Tax ID No. (TIN):

Note: If your TIN is a Social Security number, provide only the last four digits.

58-2067428

Is your firm certified as a minority or woman owned business with the Washington State Office of Minority & Women’s Business Enterprises

(OMWBE)?

Yes No If yes, provide MWBE certification no.

Is your firm a self-certified Washington State small business?

Note: See definitions of ‘microbusiness,’ ‘minibusiness,’ and ‘small business,” set forth in

RCW 39.26.010.

Yes No

If yes, what is your business size?

Small Mini Micro

Is your firm certified as Veteran Owned with the Washington State Department of Veteran Affairs?

Yes No

If yes, provide WSDVA certification no.

EXHIBIT A2 – BIDDER’S PROFILE PAGE 2

CONTRACT MANAGEMENT POINTS OF CONTACT

Authorized Representative

Name: Sharon Stickles Email: s.stickles@fams.net Phone: 404-293-7639

Contract Administrator

Name: Sharon Stickles Email: s.stickles@fams.net Phone: 404-293-7639

Sales Reporting Representative

Name: Antoinette Mayfield Email: amayfield1@fams.net Phone: 678-937-5044

Sales Reporting Alternate

Name: Veronica McCabe Email: v.mccabe@fams.net Phone: 678-254-3354

Management Fee Representative

Name: Antoinette Mayfield Email: amayfield1@fams.net Phone: 678-937-5044

Management Fee Contact Alternate

Name: Veronica McCabe Email: v.mccabe@fams.net Phone: 678-254-3354

Address for Enterprise Services to send management fee invoices:

Company name: Financial Asset Management Systems, Inc. (FAMS)

Attn: Antoinette Mayfield Address: 665 Molly Lane, Suite 110 City/State/Zip: Woodstock, GA 30189

ORDERING/SALES POINTS OF CONTACT (expand as necessary)

Name Phone Number E-mail Area of Responsibility

Sharon Stickles 404-293-7639 s.stickles@fams.net Contract Management

Veronica McCabe 678-254-3354 v.mccabe@fams.net Client Administration mailto:s.stickles@fams.net mailto:v.mccabe@fams.net

EXHIBIT A2 – BIDDER’S PROFILE PAGE 3

REFERENCES

Provide a minimum of three (3) commercial or government references for which bidder has delivered goods and/or services similar in scope as described in the Competitive Solicitation.

Reference 1

Company Name:

Contact:

Phone:

Email:

Washington Student Achievement Council Marla Skelley 360.753.7851 MarlaS@wsac.wa.gov

Reference 2

Company Name:

Contact:

Phone:

Email:

State of Washington Department of Financial Institutions Carolyn Sabin 360.725.9698 Carolyn.sabin@dfi.wa.gov

Reference 3

Company Name:

Contact:

Phone:

Email:

State of New Jersey Brian Friedmann 609.292.4922 Brian.Friedmann@treas.nj.gov

Reference 4

Company Name:

Contact:

Phone:

Email:

Commonwealth of Massachusetts, Dept. of Environmental Protection, Bureau of Waste Site Clean-up Grace Mannion 617.292.5910 Grace.mannion@state.ma.us

Reference 5

Company Name:

Contact:

Phone:

Email:

Emory Healthcare Nancy Malires 404.778.7681 nancy.malires@emoryhealthcare.org

Return this Bidder’s Profile to Procurement Coordinator at:

DESContractsTeamCedar@des.wa.gov mailto:MarlaS@wsac.wa.gov mailto:Carolyn.sabin@dfi.wa.gov mailto:nancy.malires@emoryhealthcare.org mailto:DESContractsTeamCedar@des.wa.gov

EXHIBIT C1 - DEBT COLLECTION SERVICES BID PRICE

EXHIBIT C1

01120 - DEBT COLLECTION SERVICES BID PRICE

The sole consideration to be paid to the Bidder for its services shall be the agreed-upon collection fee percentage of any monies recovered. Bidders are instructed to propose a collections fee percentage for each kind of collection in the table below, even though the contract will not be awarded by category, and also based on total debt owed by debtor.

For example: If the total debt owed is $1,200 and the Bidder charges a collections fee percentage of 3%, the total owed by debtor would be $1,236 ($1,200 x 1.03). Bidder must record this in the table below as 3%, not .03 or .03%.

PRICE PROPOSAL (300 POINTS) FINANCIAL ASSET MANAGEMENT SYSTEMS, INC. (FAMS)

Pricing

Fee Percentage (%)

Debts Below $15,000

Fee Percentage (%)

Debts Between $15,000 - $50,000

Fee Percentage (%)

Debts Above $50,000

General Collections 19.24% 14.24% 8.24%

Educational Collections 15.49% 11.24% 7.74%

Legal Services Collections 19.24% 14.24% 9.24%

Enterprise Services will not be awarding by category but below are examples of the most common debts the awarded Bidder may be asked to collect:

1. General Collections – Unsecured debts owed by individuals or businesses.

2. Educational Collections – Unsecured educational student loans. The methods for collecting private student loans are generally the same as any other type of consumer debt (like credit card debt, medical debt, etc.). It is fundamentally different from federal loans, where the Department of Education has fairly broad and far-reaching rights to collect the debt without a lawsuit.

3. Legal Services Collections – Legal Services associated with acting on filed warrants and judgments. This will include the levying of any money sources, as well as the garnishing of wages. All legal action will be taken in the name of the awarded bidder, in accordance with RCW 19.16.270.

https://en.wikipedia.org/wiki/Debt

EXHIBIT C2- DEBT COLLECTION NON-COST FACTORS

EXHIBIT C2 – DEBT COLLECTION SERVICES NON-COST FACTORS

BIDDER NON-COST FACTORS - BID SUBMITTAL INFORMATION

Bidder must respond to all questions below to be considered responsive. This submittal has a total of 750 points possible. Scoring for this section of the Competitive Solicitation will be completed during the bid evaluation phase by the evaluation committee. The evaluation committee will review the answers and assign points based on the Bidder’s ability to meet the qualifications. Once all of the points have been received from the evaluation committee, Enterprise Services will take an average from the evaluators’ scores to determine the Bidder’s non-cost factors score. This form must be used for responses. Enterprise Services recommends the Bidder not include any company names in their responses as the non-cost factors will be done by a blind evaluation.

1. COMPANY PROFILE (62 POINTS)

Bidder must have sufficient capacity (i.e., personnel and equipment) to perform the contract.

Provide information about the firm, and information about the relevant qualifications of staff who will be assigned to the contract, if awarded. Please include: training, certifications, experience, years in industry, key clients, assignments/projects, tenure with Bidder’s firm, employment status (i.e. employee or contractor) and any related work experience with Washington State or other state or local governmental entities.

Founded and incorporated in 1993 in the State of Georgia. Corporate offices and operations center located in Woodstock, Georgia. Classified as a Georgia based small business and is fully licensed, bonded and insured to collect throughout the United

States, cities, municipalities, provinces, and territories.

A network of 120 experienced accounts receivable recovery experts are employed. Each associate possesses an average of five years of collection experience and maintains an active inventory of 300-600 accounts. Government Services Division employs 36 full time recovery experts possessing at least five years of government services experience.

Municipal Government Experience: In 27 years of service to local, state and federal agencies, we have maintained inventories in excess of $137 Billion and recoveries in excess of $2.46 Billion for accounts that range in age from 30 days past due to more than 25 years past due, (accounts with no federal statute of limitations). We have provided competitive performance with no loss or breach of consumer data, or any findings, judgments, restrictions or cease and desist notices with any regulatory body.

Focused on a very narrow market segment of the Accounts Receivable industry; Local, State, Federal government, and Healthcare organizations.

Portfolios contain delinquent balances ranging from $100 to $10M with liquidation rates ranging between .5% to more than 50%. Within the government Lines of Business

(LOB), balances range between $100 and $1M with recovery rates averaging in excess of 5% cumulative recovery.

Washington State Experience: Bidder was awarded a State of Washington Statewide contract in 2012 and performs collection services for the following Purchasers:

Washington Student Achievement Council – Since 2018

Office of Superintendent of Public Instruction – Since 2016

Office of Superintendent of Public Instruction – Child Nutrition – Since 2019

Department of Licensing – Since 2018

Department of Financial Institutions – Since 2018

Pierce Transit – Since 2013

Bidder currently manages an active inventory valued at $20M under our current State of

Washington Statewide contract.

Non-Tax Debt Collections: Since January of 2012, providing debt collection services under a statewide contract with the State of New Jersey’s Department of Treasury, Division of Revenue for non-tax debt. Manage an inventory in excess of 250,000 accounts in collection for the State of New Jersey. This statewide contract encompasses

21 different state agencies, comprised of 78 individual departments and the University

Hospital. The debt portfolio includes, but is not limited to, the following agencies: The

Department of Environmental Protection – Delinquent Code Compliance Assessment

Fees, the Department of Human Services, and the Office of Public Defender.

In 2014, Bidder was awarded our first collection services contract with the City of

Phoenix. Bidder manages an inventory valued at $10M. Bidders’ City of Phoenix portfolio consists of accounts from City Services, Accounts Receivable, Privilege

License Tax and Planning and Development.

Also provides non-tax debt collection services to Emory Healthcare, Emory Clinic at

Coca-Cola, Southeast Health, the Commonwealth of Massachusetts, and Navient.

State-wide Governmental Tax Collections: In 2002, Bidder was awarded our first tax collection contract with the Georgia Department of Revenue (DOR). Received our fourth consecutive award as a result of the 2016 bidding process. Manage inventory in excess of 150,000 accounts for DOR. This inventory consists of both primary and secondary accounts for individual and business taxpayers.

Court Fines: Since 2012, we have worked with the State of New Jersey to collect court fines and fees, as well as various other State Receivables.

From 2002-2015 we partnered with the Georgia Department of Revenue to collect court costs and fees through a special State Attorney General.

For more than 10 years, we have provided collection services to the Illinois Department of Health and Family Services collecting past due child support.

Miscellaneous Government Fines and Fees: In four of our most recent contracts—the

City of Phoenix, the State of New Jersey, the Commonwealth of Massachusetts, and the

State of Washington—Bidder has been very successful in collecting Miscellaneous

Government Fines and Fees, from transportation fines and traffic violations to permit fees, code violations and licensing fees.

Federal Government: In addition to state and government collection experience, Bidder also has extensive experience providing collection services on federal, state, and private student loan placements.

KEY PERSONNEL

The table on the following pages demonstrates the experience of Bidder Key Personnel who will be assigned to the State of Washington contract. All personnel are employees of our company. We do not utilize contract personnel.

NAME TITLE FUNCTION

YEARS OF

EXPERIENCE

Jerry Hogan CEO Executive Oversight

16 years Bidder CEO

32 years accounts receivable management experience

32 years government industry experience

8 years State of Washington

Statewide Contract experience

Tim Farmer CFO Executive Oversight

9 years Bidder CFO

19 years accounts receivable management experience

19 years government industry experience

22 years accounting, auditing, and internal control reporting

8 years State of Washington

Sharon Stickles

Senior Vice President State of Washington

Contract Manager

Management of

Critical Client

Relationships

13 years with Bidder

41 years accounts receivable management experience

41 years government industry experience

34 years project management, client implementation and contract administration experience

8 years State of Washington

Statewide Contract experience

Kevin Inches

Vice President of

Operations

Senior level operational management providing leadership in the implementation of effective collection strategy and staff development.

16 years with Bidder

22 years accounts receivable management experience

22 years government industry experience

8 years State of Washington

NAME TITLE FUNCTION

YEARS OF

EXPERIENCE

Ciera Dowdell Operations Manager

Operational

Management

5 years with Bidder

24 years accounts receivable management experience

24 years government industry experience

24 years operational management experience

5 years State of Washington

Statewide Contract experience

Antoinette

Mayfield

Vice President, Finance and Accounting

Overall management for payment processing and accounting related functions.

14 years with Bidder

14 years accounts receivable management experience

14 years government industry experience

14 years finance and accounting experience

8 years State of Washington

Statewide Contract experience

Candace Albert

Human Resources

Manager

Management of new hire process; e-verify, federal security clearance and background investigation.

Employee payroll and personnel oversight.

5 years with Bidder

5 years accounts receivable management experience

5 years human resources and payroll management experience

5 years State of Washington

Statewide Contract experience

Veronica

McCabe

Director of Client

Administration

Management of new client implementation, maintain strong client partnerships, ensure timely response to client deliverables and special requests.

7 years with Bidder

24 years accounts receivable management experience

10 years government industry experience

7 years State of Washington

Statewide Contract experience

NAME TITLE FUNCTION

YEARS OF

EXPERIENCE

Anne Gonzales Director of Compliance

Overall management of compliance and quality assurance. Directly responsible for Bidder complaint investigation and issue escalation process as well as ensuring company-wide contractual compliance with client service level agreements and work standards. Monitoring compliance with federal, state and local laws and regulations for

Bidder.

5 years with Bidder

19 years accounts receivable management experience

19 years government industry experience

19 years compliance oversight experience

5 years State of Washington

Statewide Contract experience

Scott Stevens

Director of Information

Technology

Design, implementation, and maintenance of the database infrastructure, in addition to the general administration of Bidder Recovery

Management System.

Responsible for developing policies and procedures pertaining to the management, security, and maintenance of Bidder

Recovery Management

System.

10 years with Bidder

10 years implementing Bidder

Recovery Management solutions and migration

10 years government industry experience

20 years solution/integration experience

8 years State of Washington

Statewide Contract experience

Howard

Friedman

Director of Information

Services

Responsible for Bidder

Recovery Management

System maintenance, reporting and programming. Bidder vendor liaison.

9 years with Bidder

27 years accounts receivable management experience

27 years government industry experience.

5 years information technology, project implementation and migration experience.

8 years State of Washington

Statewide Contract experience

2. TRAINING - FEDERAL AND WASHINGTON STATE DEBT COLLECTION LAWS (62 POINTS)

Describe the training given, or other specific measures taken by your firm, to ensure an active understanding and adherence among your management and employees of Federal and Washington State law governing debt collection. This includes the rights, restrictions, and exemptions on general collections, student loan collections, related legal services, and any special requirements in law of any kind of debt collection that might be assigned under this contract.

This answer should include your firm’s knowledge and practice in compliance with the Washington State’s personal bankruptcy law, the rights and restrictions on collecting after bankruptcy has been declared, and your firm’s knowledge and practice in pursuing the debt of limited liability corporations.

Bidder conducts a thorough training course that covers all aspects of collection technique and procedures, including full compliance with all applicable local, state, and federal regulations, including the FDCPA. Associates must demonstrate a strong knowledge and comprehension of FDCPA, HIPAA, FCRA, FACTA, the Federal Privacy Act of 1974, and Bidders’ “Code of Ethics” before graduating from Bidders’ initial training program.

Associates are tested on the FDCPA and other applicable collection regulations at the end of their initial training program. They must receive a perfect score on this test in order to continue employment. Associates are also retested on their comprehension of these regulations on an annual basis; associates must receive a perfect score on this test, or they must attend mandatory refresher training. A perfect score is required in order to continue employment.

Bidder utilizes service provider BANKO to perform bankruptcy scans. Accounts are processed through BANKO at time of placement and remain as an active inquiry for six months. Once that six months has passed, Bidder runs the same process again. This process ensures accounts are continuously monitored for bankruptcy. All bankruptcy filings are coded in Bidders’ system as Special Handling. A Bidder Bankruptcy

Specialist, specifically trained in bankruptcy law and the rights and/or restrictions on collecting after bankruptcy has been declared, reviews these accounts to address the recovery methodology that applies to the individual or corporation as defined by State and Federal law.

Bidder has developed customized client modules specifically oriented toward educating personnel regarding client specific contract requirements. The training program is administered through Bidder Learning Management System (LMS) and accommodates varied learning styles. This technique also avoids the pitfalls of episodic training where trainees are not allowed the time to ground their new skills before the instructor moves on to new concepts. Bidder utilizes a blended learning approach, encompassing professionally designed, self-paced e-learning courses, instructor-led courses, electronic and hard copy job aids, on-line quizzes, and trainer evaluations.

Bidder training module outline is provided below.

TRAINING MODULES

Module 1 Employee Orientation

Module 2 Overview of Federal, State and Local Laws

TRAINING MODULES

Module 3 FDCPA Review

Module 4 Developing Effective Collection Techniques (Part I)

Module 5 Developing Effective Collection Techniques (Part II)

Module 6 Skip Tracing Tools and Techniques

Module 7 Refining the Talk-Off and Role Playing

SPECIALIZED TRAINING

Special client-specific training to ensure compliance with State of Washington collection regulations.

Ongoing refresher training to ensure compliance with client requirements

FDCPA ANNUAL TRAINING

Retest 100% Passing Grade Annually

REFRESHER TRAINING/FLASH UPDATES

Weekly Refresher training, and Flash Updates to any FDCPA, HIPAA, Federal, State and Local laws.

At the end of each training module, the associate must take and successfully pass an on-line test in order to advance to the next training module. After initial training, associates spend time in the training bay performing live collection calls side-by-side with a tenured associate. Throughout the course of an employee’s career, further training and development programs are conducted as described below. The continuing education of the entire collection team is the foundation for outstanding performance and superior customer service.

Bidder associates are trained to take a “customer service” approach. This is accomplished through classroom training during the initial training as well as ongoing training sessions using role-playing and one-on-one coaching geared toward customer service, dealing with conflict, and effective communication. Bidder will not permit the non-ethical or non-professional treatment of consumers under any circumstances.

Disciplinary actions up to and including termination are used to ensure superior and professional customer service. All employees are required to sign and comply with the standards listed in Bidders’ Code of Ethics.

Bidder collection system also provides system warning notices that describe specific

Federal, State, and local laws that affect specific accounts prior to accessing the account.

Associates are required to acknowledge these higher legal restrictions prior to working the accounts.

Bidder employees receive the following training courses upon hire and annually thereafter.

FDCPA State Laws

SCRA HIPAA

TPD Cyber Security

Phishing UDAA

FCRA CFPB

EFTA TCPA

GLBA ECOA

Privacy Act of 1974 State of Washington Collection

Regulations

3. RECOMMENDED APPROACH AND METHODOLOGY (65 POINTS)

Describe Bidder’s overall debt collection process, tools, and methodologies. Also describe Bidder’s processes supporting effectiveness, efficiency, and greatest continuity of debt collection engagements spanning multi-year engagements. In addition, Bidder should address the Bidder’s capabilities on how they will handle the debt collection efforts of Washington State agencies and political subdivisions if awarded. Describe clearly the collection methods used and criteria for determining appropriate actions for accounts (for example an account less than $500 vs. an account of more than $5,000). Attach a sampling of collection letters used. These sample letters MUST NOT include real debtor names or identifying numbers or addresses.

Bidders’ collection process is dedicated to a thorough review of account activity at every step, geared towards satisfactory account resolution on behalf of the State and

Purchasers. We use a standard workflow process that demonstrates comprehensive management of accounts. We have included our initial account placement workflow and our collection workflow below and on the following pages. These processes will be customized to meet the specific requirements of the State and Purchasers.

Bidder has provided samples of our standard letters utilized in the collection process.

Additional letters will be used based on the success of collection efforts and the need for other specialized letters. Additionally, Bidder offers consumers the convenience of a secure web-based Payment Portal to facilitate easy access to debt information and repayment options.

Account Placement Workflow

Account Placement Workflow

Accounts Processed in Bidders’ Collection System

(Within 72 Hours of Placement)

Account Processed Through Bidders’ Proprietary Scoring

Model (Within 72 Hours of

Placement)

Acknowledgement Report Sent to Client Via

Automated Process (Within 72 Hours of

Placement)

Review Information from Tier 1 Automated

Sources (Within 72 Hours of Placement)

- BANKO

- LexisNexis

- NCOA

Letter Series Assigned to Each Account Via

Automated Process (Within 72 Hours Placement)

Complete Address

Letter Series Placed on Hold Via Manual Process (Within

72 Hours of Placement)

Skip Tracing Workflow

Begin Letter Series Via Automated Process (Within 72 Hours of

Placement)

Valid Telephone Number

Skip Tracing Workflow

Collection Workflow

Y Y

N N

Collection Workflow

Accounts Processed in Bidders’ Collection

System (Within 72 Hours of

Placement)

Accounts Processed Through Bidders’

Proprietary Scoring Model

(Within 72 Hours of Placement)

Acknowledgement Report Sent to Client (Within 72 Hours of

Placement)

Accounts Scrubbed Against NCOA, BANKO, LexisNexis (Within 72 Hours of

Placement)

Account Updated Utilizing New Information

(Within 72 Hours of Placement)

Accounts Distributed to Collector Queues

(Within 72 Hours of Placement)

Valid Address

Initial Demand Letter Sent to Debtor

(Within 72 Hours of Placement)

At Client’s Request, Accounts Reported to Credit Bureau

Queued for Inclusion on CBR Reporting Tape and Queued to

Receive Monthly Update

Skip Tracing Workflow

Valid Phone Number

Initial Telephone Activity Begins (within 72 hours of Placement)

Subsequent contact attempt (every 7 days)

Right Party Contact

Review Information from Automated/ Manual Sources

- Electronic Credit Bureau

- LexisNexis

- TALX

- DMV

- Voter

Registration

- State

Licensing

- NDNH

New Address

New Phone

Queue Account for Skip Tracing Efforts

Accounts Requiring Special Handling Forwarded to

Appropriate Individual for Resolution

Evaluate Financial Situation

(every 30 days)

Letter Sent (30 day intervals)

Attempt to contact (every 7 days)

Account Placed in Broken Promise

Queue

Payment Received (within 7 days)

Balance in Full Or PPA

Send Payment Arrangement Letter

Payment Received

Monitor for Continued Payments and Change in Financial Situations

Payment Upgrade Call (every 90 days)

Account PIF/SIF

Close and Return to Client

Letter Sent (30 day intervals)

Continue Attempts to Contact and Attempt to Locate Alternate

Phone Number (contact or attempt every 7 days)

Right Party Contact

120 days without Contact

Manager Review for Litigation (120, 240, 360 days)

Close and Return to Client

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

N

N

N

N

N

N

N

N

N

N

Telephone Follow Up and Broken

Promise Letter Sent (within 48 Hours)

Follow Up/Review for Possible Litigation (pending written authorization from client) or Return to Client

N

Skip Tracing: Bidder utilizes a wide range of electronic and manual skip tracing tools to locate consumers quickly from public record and customized databases. Accounts are automatically enriched with updated account information from electronic sources.

A summary of Bidders’ skip tracing tools and resources is included in the chart below:

Source Information Garnered

BANKO Identifies bankruptcies and death notification

Collection Advantage Tool for collectability scores, estimated income

Department of Motor

Vehicles

Provides last known address and driver's license number Equifax Location Information

Experian Location Information

Interactive Data Updates residential phone number and provides alternative addresses Provides deceased data

LexisNexis Provides surnames, alternate phone numbers, and contact information

National Directory of New

Hires

Provides employer contact information

NCOA Updates residential address

Netwise Provides incarceration data

PAWK Provides employer information

PROLIC Provides professional license information

Request Active Duty Status Provides active duty status for all branches of military

State Licensing Bureau Identifies business ownership, place of employment, trade licenses and last known residential address

Talx Provides employer contact information and updates residential address and phone number

TLO Provides surnames, alternate phone numbers, and contact information on nearby contact information

TransUnion Location Information

VeriFacts Provides employer contact information

Voter Registration Last known residential address and phone number

Consumer communication occurs via telephone, letters, email, and web portal.

All account balances below $100 will receive the following minimum work activity:

• 24 Telephone Attempts

• 4 Letter Notices

• Skip Tracing Efforts to Identify o Bankruptcy o Death Record o Incarceration o Employment o Surnames o Address o Phone Numbers o Email Address

All account balances greater than $100 but less than $2,000 will receive the following minimum work activity:

• 50 Telephone Attempts

• 8 Letter Notices o Incarceration o Address o Surnames o Employment o Phone Numbers o Email o Credit Inquiry

All account balances greater than $2,000 will receive the following minimum work activity:

• 75 Telephone Attempts

• 12 Letter Notices o Incarceration o Address o Surnames o Employment o Phone Numbers o Email o Credit Inquiry

4. DATA ENCRYPTION CAPABILITIES (64 POINTS)

Bidder will provide a written description of current data encryption capabilities (if applicable), systems access, and information technology security protocols for all systems and/or file transfers. If selected for a contract, Bidder must conform to any system and file security protocol standards that are required by the Department of Enterprise Services and/or Purchaser.

Bidder understands, agrees, and will comply. Bidder takes extensive measures to safeguard consumer and client information. Provided in this Section are summaries of the administrative, physical, and technological safeguards in place to protect the infrastructure hosting Bidder’s system, confidentiality, integrity and availability of the information used or disclosed on behalf of the State and Purchasers.

INFRASTRUCTURE SECURITY

• Perimeter patrolled by security personnel 24/7

• Security personnel positioned in reception area of each office location

• External doors armed with security system linked to national security firm control center

• Office equipped with motion detectors, glass break sensors and CCTV

• CCTV recordings stored for 60+ days

• All doors equipped with door prop alarms

• Entrances equipped with electronic badge readers which restricts building access to approved personnel based on a security clearance tree

• Single ingress/egress point of entry for Operation Centers

• Badges are automatically disabled after 7 days of inactivity

• Fire pulls located at exits with smoke detectors and fire extinguishers

• Visitors processed in receiving center with national background credential check

• Visitors are always accompanied by an employee of the Bidder while on premise

• Accounting area contains biometric scanners and badge access

• Servers kept in locked secure cabinets

INFRASTRUCTURE SECURITY - SYSTEM SECURITY PLAN

• FISMA compliant in accordance with the National Institute of Standards and Technology

(NIST)

• PCI DSS compliance; completed Security Attestation Questionnaire (SAQ) D and an

Attestation of Compliance (AoC)

• Bidders’ system is encrypted with Microsoft SQL Server Transparent Data Encryption

(TDE)

• Bidders’ system and data backups are encrypted with FIPS 140-2 level of encryption

• Offsite backups are replicated to alternate Operations center for disaster recovery

• Annual penetration testing is performed by an independent security assessor

• Annual disaster recovery tests are performed to ensure uptime and resiliency of datacenters

• All production collections systems have console access monitored and recorded

• Vulnerability and security patch scans run monthly on network and server systems

• Intrusion detection and protection systems from endpoint to network devices

• Bidder employs two-factor authentication for associates and subcontractors to log-in

INFORMATION SECURITY - COMMUNICATIONS SECURITY PLAN

• VOIP Softphone technology is utilized for production and dialing is restricted by DNC

• All Inbound and outbound voice communications recorded except payment information to ensure PCI-DSS compliance

• No cell phones utilized in production capacity or in production areas

• Any discarded equipment is destroyed and certificate of destruction issued

• All mail correspondence is securely destroyed after being scanned to the system.

• Bidder email does not have access to the collection database to prevent cyber attacks

• Bidder servers are protected by Cisco firewalls and access control appliances

• Computers utilize anti-virus and antimalware software for endpoint protection

• Nessus and Qualys scans are performed quarterly to review network and server security

• Cyber Incident Response Plan tested internally by a Security Analyst on an annual basis;

testing logs, results, and other documentation are maintained for…