Collection Services

Service Objective – To relieve the client from dealing with collection so they can focus on business growth. We provide the service with professionalism and determination, while monitoring and managing all debts, thereby increasing business growth and improving cash flow.

In today’s Israeli debt collection landscape, the difficult and troubling phenomenon of debt collection is recognized as one of the “chronic ills” of the Israeli economy.

Thousands of salespeople find themselves busy collecting debts instead of engaging in sales processes; many hours are wasted on collection phone calls; accountants invest numerous work hours in collection conversations with debtor clients until payment is received; and hundreds of thousands of cases are in enforcement proceedings and barely progress toward full collection. Their cost is often higher than the debt amount itself, frequently resulting in damage to and loss of the relationship with the client.

The debt collection world today requires company and organization managers to make ever-increasing financial expenditures on various collection processes. The expenditure required from a company, organization, or business to collect each unit of debt continues to rise—whether it involves a debt of 150 shekels or debts of hundreds of thousands of shekels, or even more. The volume of time required, from the moment the debt is created until the moment of its collection, is identical. In other words, the time required to collect debts is almost entirely unrelated to the amount of the debt itself.

Almost every individual or commercial entity encounters the phenomenon of “payment refusers”—those clients/service recipients/product recipients who owe money but evade payment with various excuses. The check is in the mail (for three months?), the accountant changed (six months ago), and other excuses.
Often, the debtor pays their debt by check, but the check is dishonored with the notation “NSF” (non-sufficient funds), “restricted,” “garnished,” or other “bank codes” that are sometimes incomprehensible to someone lacking professional knowledge. At times, debt collection is neglected because collection requires time-consuming involvement and suitable, skilled personnel, with costs that sometimes make debt collection economically unfeasible.

“Relative Advantage” company, owned by Naomi Zeltzinger and operating in the market since 2006, specializes in making professional calls to business clients and offers a comprehensive solution for business owners and company finance managers who require ongoing or specific collection and are interested in an organized and professional system that will utilize the full range of professional tools for fast and efficient collection.