business process outsourcing services in the area of customer management; inbound and outbound customer service contact centers for processing customer communications including accounts receivable management, debt purchasing, product and service marketing, business continuity functions; Account initialization, fraud detection, credit, credit scoring, credit reporting, billing, remittance processing, final billing, charge off transfers, bankruptcy processing, translation services, outage calls, deceased customer account processing, reminder letters and other collection related mailings, skip-tracing, collection letters, collection calls, dispute processing, payment programs, settlement campaigns and litigation, performance reports, disaster recovery and IT security