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Old 10-31-2001, 01:30 PM   #1 (permalink)
Join Date: Oct 30 2001
Location: Southern CA
Posts: 69
Rep Power: 0 GJMorrow is on a distinguished road
Here we go . .

Good Day!

I am the owner of two very successful Tanning Salons (with more on the way!), along with an extensive Business Consulting/Accounting Practice.

I have begun marketing an Electronic Check Recovery Service to retail merchants through my Accounting company. This service has been welcomed and well received by those merchants who has taken advantage of it.

and YES . . it is COMPLETELY FREE of ANY cost to the merchant.

Before you doubt me or my claim let me explain how it works.

Because of changes in a federal banking rule, we can monitor checking accounts of individuals that write NSF checks to your business.

Our highly automated recovery system is so efficient that we are able to pay our clients the face amount of the check we collect, and, we collect our recovery fee FROM THE BAD CHECK WRITER.

This system is currently in place with very large retailers like KMart & Target, whose size allows them to run this system in-house.

It is my desire to provide our industry this same techology in dealing with this on-going part of our business.

Most owners haven't the time to spend "collecting" NSF checks and would rather be spending their time, as well as their employees, being sales and customer service personnel, than collection agents. Also, the salon can maintain a positive relationship with it's clients, rather than a confrontational one which can happen around this matter.

There are 3 types of business who would greatly benefit from this service:

1) If you are utilizing a "check guarantee" service (like tele-check). You are paying a per item fee, similiar to credit card discount rates, for every check processed. As we know, most checks DO CLEAR the bank, yet you are paying a fee for these items. Then, when one does bounce, you have already paid, well over the face value of that bounced item for the insurance against it.

2) If you are attempting to collect the NSF checks yourself, you stand to jepordize a relationship with your client and or having a staff member ineptly try to deal with this sensitive matter. And if your time is being taken up doing collections, what is not getting taken care of, in its place?

3) If you currently don't do anything with these items, because of skill, knowledge, time, or desire.

I hope I have provided a broad overview of this service and how it can and will benefit you and your salon.

You can reach me at GJMorrow@aol.com or you can call me at 866-366-3728

Thanks for your time

GJ Morrow
[ This Message was edited by: GJMorrow on 2001-10-31 13:34 ]
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Old 10-31-2001, 01:43 PM   #2 (permalink)
Join Date: Jul 6 2001
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Thank you for clarifying how your business works.

You mentioned that you have an accounting practice. I would be interested in hearing more about that.
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Old 10-31-2001, 10:00 PM   #3 (permalink)
Join Date: Aug 15 2001
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Much wiser and clarifying approach Mr. Morrow, however, you haven't mentioned recovery of the fee our bank will charge(?).
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Old 11-01-2001, 10:41 PM   #4 (permalink)
Join Date: Oct 30 2001
Location: Southern CA
Posts: 69
Rep Power: 0 GJMorrow is on a distinguished road
RE: Recovery of fee charged from merchants bank.

Thanks for the question.

Generally, this bank imposed fee, is not covered, by definition of law. The NSF fee which will be collected, from check maker, is for the cost of our collections.

However, what is possible is an arrangement, based upon the volume of NSF checks recovery for the merchant, that could be paid to the merchant, in the form of a rebate, to cover these items.

Please keep in mind, what our service is providing to merchants is collections of NSF checks which would be quite time consuming, thus allowing you more time to manage your business rather than endless time spent on collecting checks.

Also, with NO sign-up fee, NO monthly minimum, NO limit on the number of checks, this alternative is also quite a money saver from check gaurantee services which charge rates (similiar to Credit Card fees)and require ALL of your checks to be approved by them.

Thus, when you need us, we are here, and when ya don't, we are still here, either time, the merchant does not pay of our service.

And, please keep in mind, even your customers will like the program. Bouncing a check is an unpleasant event for most customers. Having to redeem that check with cash, money order or cashier's check can be a humiliating experience. With our service, their check is simply electronically resubmitted. All is handled confidentially.

Thanks again for the further inquiry.
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Old 11-06-2001, 08:46 AM   #5 (permalink)
Join Date: Oct 23 2000
Location: alabama
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What about Ach NSF?
This is where my problem for
collection lies.
I can get the checks but Credit Card
Declines and Account Closed on my EFT
program is where I am losing money
Can you collect on these????
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