Debt Settlement Infobank

A Direct Portal to the Debt Settlement Industry

DSI is the first product to centralize all debt settlement customers into one secure and user-friendly database. Now, this financial repository of consumer information can be accessed directly by you. DSI has established a virtual meeting place between credit grantors, collection agencies and national law firms along with debt settlement companies. This unique approach provides a total solution to the settlement process, while minimizing resources and maximizing returns.

Services

DSI recognizes the importance of safeguarding consumer information and has structured NIRVANA 4.1 to meet the highest industry standards, including:

Hosted on the Amazon AWS infrastructure that is configured to and meets:
- SOC/SSAE 16/ISAE, ISO 27001 and PCI DSS Levels
- PCI DSS Level 1 certifications
- location behind a firewall that has no internet exposure and the redundant storage of all data in multiple physical locations
Encryption of all sensitive data prior to storage/transmission with
256-bit SSL protection and the systemic restriction to never display a complete SSN to any user
All file transfers are processed with the use of client unique PGP keys via our SFTP
Data at rest is secured by leveraging AES – 256 & AWS Key Management Services

Cost Saving Analysis

This illustration demonstrates the fees saved at various placement levels with the assumption that gross collections remain the same for each level. In addition to cost savings, clients will also receive a benefit to revenue of 5 – 10% based on our industry best settlement rates and plan completions.

Total Collections	$3,471,134.53	Fee's Paid	Savings
AvanteUSA (DSI Partner)	17	$590,092.87
Primes	20	$694,226.91	$104,134.04
Seconds	27	$937,206.32	$347,113.45
Thirds	33	$1,145,474.39	$555,381.52
Fourths	40	$1,388,453.81	$798,360.94
Fifths	50	$1,735,567.27	$1,145,474.39
Warehouse	55	$1,909,123.99	$1,319,031.12

Data Integration

Centralized Data Recovery

DSI has established business partnerships with over 1,000 DS/DM
companies since our launching
Our proprietary database, NIRVANA 4.1, compiles the records of over 3 MM consumers representing hundreds of millions of dollars in settlement opportunities currently enrolled in DS/DM programs
Data is transmitted, updated, maintained and archived within our highly secure, web-based environment
Result files are returned to both clients and partners over a secure method (SFTP) alerting the organizations of highly liquid “matches” found within NIRVANA 4.1
API’s are in place to AUTOMATE the upload and download process
SSN is the main data field to identify a match, however DSI can accept up to 13 data fields
Matched accounts will be highlighted and include the name of the matched DS Company with contact information

Benefits

Welcome to DSI – Your Gateway To The 21st Century!

Convenience
Identification of specific companies to contact.
Economy
A fully-automated process – reducing internal resources
Regulatory
Reduced exposure to compliance infractions, lawsuits and financial penalties.
Immediacy
Access to current information – real time account updates

Current Market

Several companies exit
Cost to acquire accounts increased to > $1,500
Mergers & Acquisitions – very active
DSA’s adapted and diversified with lending options
Substantial institutional investment enters market
DSI’s not motivated by payment plan completion
Currently over 800,000 trust accounts with over $700MM in deposits

Strategic Differences

Immediate identification of highly liquid inventory
Centralization of Debt settlement accounts
Consistency with consumer treatment
Accelerates revenue & improves Roll & Liquidation rates
Reduced fees to collection/legal firms
Specialized negotiation process – soft skills
Prevents improper account coding – i.e. – cease & desist

Pre-legislation 2010

Over 1,000 debt settlement companies
Majority focused on local regions or states
Cost to acquire a new account was <$100
Issuers and DSC’s not working together
Fee structure heavily weighted with upfront fee
DSI’s not motivated by payment plan completion

OTHER SOLUTIONS

Cease & Desist

DSI can immediately identify those of your consumer debtor accounts that have been improperly identified as Cease & Desist accounts.

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Sales Analyzer Scrub

Used by clients to model purchases, determine sale values, develop segment strategies and assign placement life cycles by comparing debtors’ portfolios against DSI’s database of those consumers currently enrolled in DMP/DSA programs.

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Watch Program

Used by clients to warehouse their inventory within NIRVANA 4.1 where it will be monitored perpetually as the database is updated matches will automatically be identified and the Watch Program will automatically email our participating partners that new settlement opportunities exist.

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Scrub & Serve

Collectively, DSI’s management has more than 85 years of senior management experience with several of the nation’s largest financial, credit and collection companies. Our negotiations department focuses solely on debt settlement recoveries. That accompanied with our cutting edge technology allows us to service DSI matches and or placements at industry low rates, dropping larger dollars to the bottom line and reducing commission cost and other internal expenses associated with operational staff

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Debt Settlement Infobank

A Direct Portal to the Debt Settlement Industry

Services

Cost Saving Analysis

Data Integration

Benefits

Current Market

Strategic Differences

Pre-legislation 2010