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AGA: CMA’s Chosen Partner for Commercial Debt Collection
saFeguarding your business relaTionsHips
Thecornerstoneofanybusinessisthe
relationshipsthatitestablishesandmaintains.
Forfourdecades,AGAhasdevelopedlong-
lastingassociationswithabroadspectrumof
companies.Weunderstandthehardwork
thatgoesintoformingthesealliancesand
retainingthem.Thatiswhyweputapremium
onbusinesspracticesthatareopenand
honest.Weearnourclients’trustbyproving,
timeandagain,thatwecangetthejob
donewhileprotectingyourhighlyvalued
business-to-businessrelationships.
sHaring our Core skills
Weseeourselvesasanextensionofyourcredit
department.Inotherwords,areliableworking
partnerwithspecializedexpertiseincommercial
collectionsandaccountsreceivablesmanage-
ment.Whileyouremainfocusedonbuildingand
shapingyourbusiness,letourrecoveryteamaid
youinsustainingahealthybalancesheet.
aCHieving dependable reCeivables resoluTions
YoucanfeelconfidentthatwhetherAGA
receivesasinglecollectionsaccountoris
entrustedwithhandlingyourcompany’sentire
accountsreceivableportfolio,weapproacheach
assignmentwithdiligenceanddedication.
Whenyouworkwithus,you’llknowthateven
ifyourbusinessisn’talwayspredictable,the
effortsandresultsofAGA’steamwillbe.By
turningpastduereceivablesintocash,we
retrievemoniesthatcanthenbereinvested
towardyourbusinessgrowth.
Since 1972, A.G. Adjustments (AGA) has been committed to ensuring our
clients – from small businesses to Fortune 500 companies – the highest
possible rate of return on outstanding receivables. Our time-tested solutions
to both commercial collections and accounts receivable management help
maintain your company’s professional and public image while optimizing your
business’ critical cash flow cycle. With on-going evaluation and refinement
of our services, business practices and relationships, we stay at the top of our
game in order to continually meet and, yes, exceed your expectations.
With corporate offices in New York, satellite offices throughout the U.S., and
strategic alliances worldwide, AGA is well positioned as a resourceful global
partner in both commercial collection recovery and A/R management.
Mission: To return the maximum net dollars to you, in the
shortest time possible, while maintaining your public image.
Conquering ColleCTion CHallenges
AGAisrecognizedworldwideforitsindustry
expertise,strengthinthemarketplace,andfor
thebroadrangeofservicesweprovide.Youwill
haveaskilled,outcome-focusedallystandingin
yourcorner.Aftercompilingadetaileddebtor
profile,weworkwithyourcustomerstowarda
timelypositiveresolution.AGA’scollection
effortsareefficient,yetcenteredonpreserving
sound,ongoingrelationshipsforyourbusiness.
Bycommunicatingtoyourcustomersina
professionalandethicalmannerwehelp
re-establishsolidbusiness-to-businessrelations
thatkeepyourbusinessmovingforward.
Harnessing business-CriTiCal inForMaTion
Werealizethatourclientshaveenoughstrain
ontheirtimewithoutbeinginundatedwith
countlessreports,analysesandsummaries.As
weseeit,ourjobistoprovideyouwiththe
customizedupdatesyouneed,specificallywhen
youneedthem.Youletusknowexactlywhat
informationyouwishtosee,inwhatformat,
andwithwhatfrequencyandwedotherest.
You’llalwayshaveaccesstotimelyreportsand
archivaldatathroughyourcustomizedclient
portalandwe’lladaptourreportingsothatit
remainsuserfriendlyandpertinent.Moreover,
youcanrestassuredthatpersonalserviceand
easeofcommunicationcontinuetostandatthe
forefrontofourbusiness.
Fee sCHedule
Basic Commissions
25%onthefirst$3,000
20%ontheexcess
50%onclaimsover1yearoldor
secondplacements
Largeclaimsnegotiableon
individualbasis
Minimum Commissions
0-$300.....50%
$301-$600.....$150
Return of Merchandise
50%ofpublishedfee
International Claims
331/3%
Legalfeeswillvarydependingupon
thecountry.Attorneysmayrequire
retainersorhandlingfeesthatwillbe
appliedtotheircustomaryfees.
Consumer Placement
50%
Forwarding Fee
Whennecessary,claimswillbe
forwardedtoattorneysforcollection.
A25%feewillbechargedon
moniesrecovered.
Litigation
Whensuitisrecommended,client’s
authorizationwillberequired.
Shouldsuitbeauthorized,creditor
willberesponsibleforcourtcosts
andattorneyfees.
AGAmayretaincompensationforitscostsandexpensesandalllawfulsumscollectedoverandabovetheprincipalamountoftheclaim.
www.agalTd.CoM
“no ColleCTion - no Fee”
aga serviCes
Collection Services
O AccountsReceivable
ManagementOutsourcing
O CommercialCollections:
DomesticandInternational
O CreditandCollectionConsulting
O DebtManagement
Asset Searches
O BankSearches
O BankruptcyFilings
O JudgmentLiens
O Skip(address)Tracing:
DomesticandInternational
O TaxLiens
O UCCFilings
Seminars
O AccountsReceivableManagement
O CashFlowManagement
O CollectionTechniques
Letter Writing Services
O CommercialandConsumer
O CustomizedIndustry-SpecificLetters
740 Walt Whitman Road Melville, NY 11747-9090
CERTIFIED MEMBER, COMMERCIAL COLLECTION AGENCY ASSOCIATION
Adherence to a rigorous code of ethics
Reputable collection procedures that maintain good will with customers
Maximum dollar recovery
All accounts bonded and insured
Maintenance of separate Trust Accounts for collected funds
Prompt remittance of funds to creditors
THE AGA TEAM
The longevity found within the AGA team speaks volumes
about its strength, cohesiveness, commitment and pride.
While we have grown exponentially over the past four
decades, AGA has continually built a matrix in which
personal and professional aspirations are able to thrive and
progressive ideas flourish. What’s the benefit to you? The
advantage is that you profit from an optimistic, results-
driven atmosphere that achieves positive outcomes using
the most up-to-date methods together with a system of
proven best practices.
Heading the AGA team are Marc Gerstel, president, and
Robert Gerstel, chief executive officer. Together, they
represent a passionate second generation of industry
experts who continue to operate and grow the business
with an eye toward the future. While infusing the AGA
team with their dedication to serving the best interests of
their clients, both officers remain fully involved and
actively engaged in all facets of the organization.
Contact AG Adjustments: Email: [email protected] - Phone: 888-496-1600