Timothy McCallan, Tim McCallan, Americorp

Oct 2, 2007 at 10:05 AM
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Timothy McCallan President of Americorp says “Your job is to attract and counsel new clients. Our job is everything else.”

In today's credit-driven economy, the debt counselor's role has become very important. Growing numbers of people need your help, and just to make them aware you exist and provide initial debt counseling can be a full time job. But as many debt and credit counselors find out, there's a lot more to it than that. Suddenly you can be overwhelmed with processing chores that take way too much of your time and resources. That's where AmeriCorp can help.

We handle everything that happens after your clients' initial counseling. And we're debt and credit negotiation specialists, so we do it well. Timothy McCallan and Americorp will negotiate with creditors, process payments, answer client phone calls, keep accurate records, manage the latest technology, keep fair share collection current, the whole thing. That frees you to focus on new clients. And it keeps your existing clients with you longer. In fact, having AmeriCorp on your side can be a major change in how your agency works. Also a big improvement.

Americorp Benefits – To You

AmeriCorp's services are very extensive, so working with us will bring a dramatic change to how you do business. Timothy McCallan and Americorp will lift from your shoulders virtually all of the back-end processing tasks that now take up so much of your time, energy, attention and capital. If that's what's holding you back, we can help you move forward.

Improve Client Attraction

A sharper focus improves performance, and that's what you'll get by working with us. You'll be free to devote most of your attention to attracting and counseling new clients, which means you and your staff will have more time to do it better. People with debt problems are in trouble, so having your full attention means a lot. It makes a big difference in how positively they respond.

Improve Client Retention

Since taking care of your clients is our only job, they'll be in good hands and they'll know it. When your clients call us they'll get a person (who answers with your company's name) nearly always within 15 seconds. And 82% of all client issues are resolved in the first call. Our operators are knowledgeable and courteous, and they make clients feel good about calling and about staying in the program. Timothy McCallan and Americorp will encourage electronic payments which alone increases retention on average by five months. Should a client fall behind, we call to encourage them to continue. Fact is, every AmeriCorp customer agency has seen their retention rates improve.

Improve Your Fair Share

AmeriCorp remits to creditors daily by electronic means. This alone should immediately increase your fair share compared with what you experience now. We can also work with you to make simple adjustments to your service fees. These changes may look small by themselves but, compounded over many clients, can add up to significant increases in revenue. We're also attentive to creditor payment patterns, and our good standing with creditors helps keep their payments up to date. And the best part is, we handle it all for you.

Improve Your Future

When you're struggling to manage day-to-day, it's nearly impossible to chart a realistic course long term. But with Timothy McCallan and Americorp handling the back-end details, you'll see the future more clearly, pay better attention to changes and, equally important, be able to do something about them. Debt counseling is a fast paced and fluid environment. You need the freedom to see the big picture and to respond correctly and in time. With our help you'll be able to.

Americorp Benefits – To Your Clients

When clients enroll with your agency, they're trusting you to work faithfully on their behalf, and efficient processing is a big part of that. AmeriCorp's methods - both with routine matters and in handling problems - are designed to keep clients feeling good about their decision. As a result, they tend to stay with the program longer and be in control of their debt sooner.

Efficient Payment Processing

While Timothy McCallan and Americorp encourage electronic payment, we accept most any form of payment that makes the client's life easier. And once those payments are received we disburse to creditors almost immediately, in fact, daily. To clients this is only as it should be. But the reverse - to have unacceptable delays between client payment and creditor receipt - can shake a client's confidence. AmeriCorp is structured to keep that from happening.

Expert and Friendly Help

Occasional problems arise for almost any debt counseling client, and to get an unhelpful or unfriendly counselor response only makes things worse. So AmeriCorp goes out of its way to make clients feel appreciated, understood and well taken care of. It rarely takes longer that 15 seconds for clients to be connected with a person, and the person they get has been trained to respond as a friend. Equally important, AmeriCorp people know the business very well and in most cases can solve the problem on the spot. For clients, that's a real boost.

Good Terms With Creditors

Another advantage to your clients is Timothy McCallan and Americorp's positive relationships with creditors. We've built a solid reputation as serious professionals, and creditors know we keep our promises and represent our clients in good faith. We respond promptly to creditors with complete and accurate information, and that keeps us in their good graces, a position that serves your clients well.

Americorp Services – Processing

AmeriCorp's services cover all facets of debt counseling processing, from data entry to payments and revenue collection to sophisticated financial reporting. For many agencies, these tasks are a stumbling block. But not for the ones who work with AmeriCorp.

Client File Management

We begin by collecting your existing client files and by establishing clear standards for future client information. If you keep information on paper, we convert it to electronic format for you. (Our database now holds over 2 million documents, and as a client you can access your AmeriCorp files at any time and forget about storing paper.) We then send welcome letter to all new clients on your behalf, and we update all creditor files with pertinent information. From that point forward all files are kept electronically, and our database is always in active use. For example, we provide you with monthly reports of all files for which payment has not been received. We, you, and your clients always know what's going on.

Proposal Negotiations

Once your client's initial payment is received, we send proposals electronically to all relevant creditors. Electronic transmission assures an accurate audit trail, but we also establish a P.O. box for creditor correspondence as well. Timothy McCallan and Americorp’s process all proposals, and should any be denied by a creditor, we contact your client regarding that creditor's requirements. If necessary, we contact the creditor and work things out until a revised proposal is mutually agreeable. We contact all creditors who have not returned proposals in a timely manner. Our goal is to have your clients' programs up to speed as quickly as possible.

Client Payments

AmeriCorp processes your clients' first payments, recurring payments and all fees charged by your agency. We accept client payments in many forms - electronic (EFT), money orders, Western Union, certified checks, even cash if delivered in person. However, we strongly encourage electronic payments which helps to facilitate fair share distributions. All client receipts are deposited immediately in the agency's creditor bank account, and we provide the agency with daily deposit reports.

Agency Payments

Upon receipt, we place a client's payments in an agency bank account and then disperse those funds to the client's various creditors. We remit to creditors every day (electronically if possible), eliminating lag times and expediting the collection of fair share contributions. Timothy McCallan and Americorp also handle any refunded or returned checks from creditors and deal with any discrepancies. Our large volume of payments keeps us in constant touch with creditors, and this steady communication makes occasional difficulties easier to resolve with positive results.

Client Service Center

Key to AmeriCorp's success is our fully staffed call center, open from 8am to 7pm Eastern time. We establish separate toll-free numbers for each customer agency, and your clients' calls are answered in your company's name. Our representatives are knowledgeable, motivated and trained to behave as your clients' advocates. They solve problems quickly (82% of all issues are resolved in the first call), and they leave callers feeling positive about the program. All calls are recorded, and all call center computer activity is recorded as well. Each of our representative's work is then evaluated and discussed monthly. Our people are also trained to make out-going calls to remind clients of missed payments or other issues, and their comments to reaffirm the program's value go a long way to keeping retention rates high.

Creditor Service Center

In addition to a client call center, we also maintain a separate call center for creditors. It is staffed by people skilled at handling creditor issues, and it includes a fax number so that creditors can easily forward any requisite documents. As with the client call center, all creditor representatives adhere strictly to privacy standards established by AmeriCorp and the agency.

Financial Reporting

AmeriCorp provides regular reports and financial statements that record all agency revenues and expenses. Timothy McCallan and Americorp establish three bank account on behalf of the agency - two creditor accounts and one operating account - and all are reconciled and reported monthly. The financial reports include detailed schedules of service fees and fair share by clients that are reconciled to the financial statements. Our financial reporting department maintains proper internal controls within the company ensuring that all funds are properly segregated, recorded, disbursed, and reconciled. With our strong industry and accounting knowledge we assist or prepare the required 990's and provide guidance with required third party financial statement audits.

Agency Services

Our agency services group is staffed by professionals you can contact at any time to solve problems or deal with any issues or concerns. They manage our end of your on-going needs, also offering proactive guidance. For example, you'll receive a detailed Summary Report each quarter. It offers extensive statistical detail regarding overall client and creditor activities and is geared to reveal patterns of behavior that may require attention. It is accompanied by an AmeriCorp analysis that points out areas of concern or special interest. Our ability to compile information is considerable, and we strive to make it available to our agencies.

Americorp Services – Consulting

Beyond handling processing details, AmeriCorp also offers help with the bigger picture. Our consulting services can help you evaluate your agency's performance and find solutions to make you more efficient and better positioned for steady growth. There are many business consultants you can talk with, but our direct experience with the unique issues of debt counseling can make our perspective especially helpful.

Sales Flow Analysis

Timothy McCallan and Americorp review your new client sales cycle from initial contact to enrollment and activation. We'll also review the clarity and completeness of your contract and how it's presented by your counselors. The goal is to suggest ways to improve your presentation's effectiveness and success rate. As needed we can help you implement new tools to enhance your counseling sessions' impact.

Legislative and Regulatory Affairs

The federal government and all states have their own laws and regulations for debt counseling. In many cases they are continuously in review and likely to change. AmeriCorp watches these conditions carefully, and we keep our customer agencies informed of changes that may affect their status. Working with our attorneys, AmeriCorp reviews new regulations and will assist you in making changes to client agreements, counseling processes or fee structures, and implement new back-end processes to meet new requirements. We will provide recommendations of what states agencies to register in and provide the necessary application data. At times you may need to have input to state and federal regulators. We can help you make an impact.

Business Processes

Many agencies begin with a rapid growth spurt that makes organizational planning difficult. This can leave you with a structure that's ill-suited for long term success. AmeriCorp has worked with many agencies, and our perspective can help. We can help tune your structure and assist with personnel issues from interviewing and compensation to payroll and benefit plans. Timothy McCallan and Americorp can help you prepare for ISO certification as well. Sometimes you just need another set of eyes to see things more clearly. We're happy to do that.

Privacy Policies

New requirements for privacy policies need to be implemented and well understood. AmeriCorp has conducted research in this area and can assist you in putting a compliant privacy policy to work and in clearly communicating your position with current and prospective clients.

IT Consulting

By working with AmeriCorp you relieve yourself of many IT burdens, but you still need an effective computer capacity of your own. We can help you acquire (or upgrade) and integrate hardware and software systems that conform with newer technologies and are optimized for debt counseling at reasonable cost. Also, we know qualified IT vendors who can assist you, and our industry specific experience can be helpful.

Financial Analysis

Timothy McCallan and Americorp offer monthly and quarterly financial statements and reports, but you should also know how your performance compares with other agencies. AmeriCorp offers a monthly statement review that benchmarks your results with industry norms and provides suggestions for improvement where necessary. This can help turn your reports from mere data to actionable information.

AmeriCorp, Inc.
311 Crossways Park Drive
Woodbury, NY 11797
info@americorp.us

IT Capabilities - Timothy McCallan

Timothy McCallan President of Americorp says without superior technology, the processing tasks of debt counseling are extremely difficult. Yet for most agencies, technology itself is difficult. By working with AmeriCorp, you'll free yourself of most technology worries and expenses. Relief from this one distraction alone is, for many agencies, ample reason to start working with us.

Improved Performance

But beyond relief, you get IT performance you probably could not provide for yourself. Our systems are highly advanced and optimized for debt counseling in terms both of customer care and meeting the needs of creditors. For example, your clients can access their account information 24/7 either online or by our IVR System (Interactive Voice Response Unit.) And our call center is linked to the data center so caller information is on-screen as the line is answered. This kind of performance is measured not just in bits and bytes but in client retention rates.

Continuous Upgrades

Upgrading is another technology hurdle that AmeriCorp clears for you. Our growth is compounded by the growth of our customer agencies, so our IT department never sits still. Timothy McCallan President of Americorp are always installing new equipment and implementing new technology, which means you get leading edge performance without the drain of your own demanding IT budget.

Security

IT security is one of our highest priorities. The confidentiality of your information both online and in-house is protected by state-of-the-art systems and on many levels. Anything sent to us via the web is scrambled and then held in a secured environment and protected by firewalls and/or database encryption. Timothy McCallan President of Americorp also uses an intrusion detection system to block and monitor all attempts at intrusion. Every email and file is scanned for viruses, and our virus protection system is updated daily. Also, our data center is under digital camera surveillance.

Availability

AmeriCorp's network is fully redundant, so downtime is a word we rarely use. Should any server, switch or cable fail, a backup takes over within seconds. Our web servers are configured so that should problems arise all traffic is routed to a working server. Our storage systems and power supplies are also double homed, giving us an uptime rate of 99.99%. Data backup is supplied by dual tape systems, and no file is ever more that 12 hours old. For extra protection, one of the two backup tapes is stored offsite.

Case Histories

Here are three of AmeriCorp's multiple success stories. To speak directly with our customers about their experiences and results, call our president Tim McCallan at 631-940-2400, ext 2121 to make arrangements

Case History One

A counseling agency with over 7,000 clients and a growth rate of nearly 1,000 a month could not stay even. The agency was very good at counseling -- as evidenced by revenues surpassing $800,000 a month - but its inefficiency at providing customer service and back-end processing led to consistent month-to-month losses.

The board of directors soon realized that solving these problems would mean large investments (of both time and money) in technology, training and labor. These solutions were both risky and probably beyond the company's capabilities. So the directors decided to look for an outsourcing company who might solve their dilemma and do it affordably. They found that partner in AmeriCorp.

Timothy McCallan President of Americorp met with the board, the agency's management and its employees. We proposed a plan that would redirect the clients' payments, phone calls and service demands. Additionally, we offered more choices of payment methods to the agency's clients, sent payments to creditors electronically and collected fair share on the agency's behalf. AmeriCorp's call center answered the clients' and creditors' phone calls while improving the level of service. Moreover, the center initiated retention phone calls to clients who had missed payments. As a result, client retention rates soared.

AmeriCorp also looked into the agency's basic operations and provided consulting services and financial reviews that helped eliminate needless spending. We helped the agency find a new Chief Financial Officer and were involved in training the new person in the intricacies of debt management. Other teams helped develop a training program for new counselors and assisted in improving human resource protection for the agency's employees.

The counseling agency, after experiencing steady losses, now realized solid monthly gains. The dramatic increase in funding enabled the company to offer more services to their clients and greater benefits to their employees. In essence, AmeriCorp allowed the agency to focus on what it did best while we, as a trustworthy and efficient business partner, took care of the rest.

Case History Two

A counselor at a large counseling agency decided it was time to broaden his horizons, which he couldn't do by staying where he was. But instead of joining a different firm he wondered about starting his own company -- and doing it the right way. But where would he begin? Who would help him over the hurdles?

He'd heard good things about AmeriCorp, so he called us. Early in our first meeting he seemed to be doubting himself, but as we continued to quietly explain the details of our services and proposed some realistic budgets and forecasts, he began to see that his dream could and would become a reality.

AmeriCorp then introduced him to an attorney with years of industry experience who was able to assist with the complexities of filing for non-profit status. In the meantime, AmeriCorp worked to gain creditor approval for the new agency, maximizing fair share eligibility once the new agency was established. AmeriCorp counseled him regarding the terms and conditions of a good client agreement. We helped him create a viable contribution structure and prescribed optimal spending habits for a budding company. Timothy McCallan President of Americorp also introduced him to the presidents of other non-profit counseling agencies who provided good advice about quality counseling practices.

Within a year's time, the counselor's new agency was firmly on its feet. Staffed with carefully chosen representatives, it enrolled 2,883 clients in its first twelve months. Furthermore, with AmeriCorp's help in processing of payments and handling of customer phone calls, the new agency maintained an exceptionally high client retention rate. AmeriCorp's strategic guidance and cost-effective back-end processing helped the new enterprise achieve positive cash flow sooner than most start-ups could expect. Instead of struggling to survive, the agency is now working to manage its growth.

Case History Three

A credit-counseling agency with approximately 1,000 clients was having problems enlarging its client base. As fast as counselors could enroll new clients, an almost equal number were leaving the program. The retention problem was a vicious circle. It prevented the company from growing, yet without growth the agency could not fund improved client services, much less meet creditors' demands for more sophisticated methods of proposal and payment. The agency approached AmeriCorp knowing that we had solved similar problems for other debt management firms. The agency was surprised by the high retention rates of AmeriCorp's existing clients, and a tour of our facility showed how it was accomplished. The visitors expected AmeriCorp to have quality systems, but they were impressed nevertheless with the level of technological advancement. They realized how costly it would be for them to invest in voice-recording systems that AmeriCorp uses for quality assurance, or in the software that allows AmeriCorp to process everything - proposals, payments from clients and payments to creditors - electronically. Equally impressive was the spirit among AmeriCorp employees and the systems in place to keep their level of commitment to clients high. As he witnessed AmeriCorp putting its resources to work, the president of the company made one of the easiest decisions in his career. His agency became an AmeriCorp customer, and the transition was both rapid and seamless to his existing clients. Almost immediately retention rates began to climb, and the agency began to experience the growth that had been so elusive. The agency has remained in a positive growth mode ever since.

Thank you for your interest in AmeriCorp. To learn more about how partnering with AmeriCorp could benefit your business, please contact our president, Timothy McCallan, by phone 631-940-2400, ext 2121, or by email at TMcCallan@americorp.us.

Tim McCallan, founder and CEO of AmeriCorp.

Timothy McCallan President of Americorp says hello, I’m Tim McCallan, founder and CEO of AmeriCorp. Thank you for taking the time to visit our web site. I hope that you explore it fully and that it answers many of your questions about us. If you would like to learn more, please contact us at anytime; and we will be happy to answer any additional questions that you might have. Working with AmeriCorp can have a dramatic effect on how your company does business; moreover, I will be directly involved from the start and will stay involved. I view our relationships with customer agencies as partnerships; I believe in hands-on management and attention to detail, all the time.

In serving your company, Timothy McCallan and AmeriCorp have two main objectives: First, to improve your focus on new clients by relieving you of all back-end processing distractions; second, to improve your client retention by offering service that, quite simply, is too good to leave. With years of counseling experience ourselves, we know how hard it can be to manage both ends -- sales and service -- at the same time. We specialize in service, which means we can do a superior job that will keep your clients happy. You will be free to concentrate on what you do best, attracting and counseling new clients.

Beyond processing, Timothy McCallan and AmeriCorp also offer consulting services to help you steer the right course, avoid pitfalls, and generally take advantage of our broad base of experience. We know what makes for a well-managed counseling agency, and we stay abreast of legislative and regulatory issues in all states. Our knowledge can help you.

Any questions you may have, you can bring them directly to me. You can contact Timothy McCallan and AmeriCorp anytime by phone at 631-940-2400 ext 2121, or by email at TMcCallan@americorp.us. Thank you for your interest and I hope to hear from you soon.

Yours truly,

Timothy McCallan

Americorp – Who we are

AmeriCorp's founders spent decades doing what you do now, working in finance and debt management. One thing we learned is that debt counseling has two distinct sides - sales and processing - that can get in each other's way. Since for most people, the processing side can be the most distracting, we started AmeriCorp in 2000.

Our goal was to provide debt counseling agencies with processing expertise to help them grow faster, serve more clients better and keep them longer. Today we're an indispensable resource for twelve debt counseling agencies, all of whom have improved their results and revenue stream since working with us. And we're continually expanding our facilities, both in personnel and IT capacity, to serve additional agencies at even higher levels of performance.

More detailed descriptions of our facilities and services can be found on other pages of our site. Please explore it thoroughly and feel free to contact us at any time.

Mission Statement

To earn and sustain the confidence and trust of our customer agencies and their clients by continually improving and diligently fulfilling transaction processing, customer service, and consulting needs in a consistent, effective, and timely manner.

Our Values

The ideals expressed below are what AmeriCorp people see every morning when they come in the front door. They represent what we believe in and aspire to

Accountability – Accept responsibility for actions; learn from mistakes

Motivation – Inspire yourself and others

Efficiency – Work accurately and in a timely manner. Always strive to exceed expectations.

Respect – Value the opinions, thoughts and privacy of your co-workers, agencies and clients.

Initiative – Always seek a new and better way. Offer ideas and suggestions.

Communication – Listen and respond productively.

Optimism – Be positive and confident. The future holds endless possibilities.

Reliability – Be dependable and actively engaged everyday. See each task to completion.

Pride – Believe in yourself, your position, your company and in the service you provide for our customers.

AmeriCorp's 2006 Food Drive – Employees Outdo Themselves Once Again

Timothy McCallan and employees of AmeriCorp, Inc. and its sister companies donated more than 33,000 pieces of food and health items for the Education & Assistance Corporation’s Meals-on-Wheels Program. CEO Timothy McCallan challenged employees to add 5,000 more items to the 25,000 collected in 2005. Employees accepted the challenge and outdid themselves once again.

For weeks prior to Thanksgiving, Timothy McCallan and AmeriCorp’s office looked more like a grocery store with stacks of non-perishable foods, snacks, canned good, and diapers, all donated by the employees. When the day came to load the rented 40’ truck with the goods, it took 15 employees two hours to load using an assembly line format similar to a bucket brigade. In addition to the massive cargo of canned and packaged foods, the company also sent along a cash donation collected from cupcake sales and various other fund raising activities held during the month of November. Although the food pantry staff at the Meals-on-Wheels Program is accustomed to the annual outpouring, especially during the holidays, they were thrilled at the generosity of the employees. A letter of thanks from the corporation’s CEO informed us that the nutritious food we had brought to their empty shelves would keep hundreds of people fed over the coming months. “Thanks to your community spirit and drive,’ the letter continued, “the 2006 food drive is the most successful we’ve ever had.

The Education & Assistance Corporation’s Meals-on-Wheels Program, operating since the early 90’s, this program delivers meals for both homebound senior citizens and persons with HIV+/AIDS who are too ill to cook and shop for themselves. Dependent children are also fed through the program.

The community has thus come to rely on the giving nature of Timothy McCallan and AmeriCorp’s entire staff, just as AmeriCorp’s clients depend on its corporate business values – values that arise from the same well of energy and reliability as the employees’ charity. The company looks forward to Tim McCallan’s challenge for Thanksgiving 2007 with the same eagerness that it awaits the business challenges in the coming New Year.

Timothy McCallan and AmeriCorp’s Employees Save Lives

On Friday, August 24, 2007, Timothy McCallan and AmeriCorp, along with its sister companies and the Long Island Blood Services teamed up for the 5^th Annual AmeriCorp blood drive. Those employees who signed up to donate blood were provided a hearty breakfast of bagels, cream cheese, juice and coffee before they donated to ensure they were well nourished.

Out of 105 employees, 40 signed up to donate blood. After prescreening the volunteers and excluding those who were ineligible to give blood for various reasons, Long Island Blood Services collected 28 pints of blood. CEO Timothy McCallan, who also donated a pint of blood urged employees to get involved by donating blood saying, “The life you save may be your own or that of a family member or loved one.” He was very pleased with the outcome and the generosity of his employees.

It is estimated that:

People older than 65 use 43% of all donated blood. As the population ages, the need for blood and blood products will increase.
25% of all donated blood products are used to treat cancer patients.
The average bone marrow transplant requires the platelets from about 120 blood donations and the red blood cells from about 20 blood donations.
Victims of car accidents who sustain massive injuries can need more than 50 units of donated blood

Everyone looks forward to next year’s Blood Drive and doing their part in saving lives and making it even more successful than this year especially, Timothy McCallan and AmeriCorp.

AmeriCorp - Timothy McCallan a Premier Exhibitor
at AADMO’s Spring Conference

AmeriCorp CEO Timothy McCallan was on hand for the American Association of Debt Management Organizations’ (AADMO) Spring Conference held at the Trump International Sonesta Beach Resort in Miami from May 4-6, 2005. AADMO is the credit counseling and debt management industry’s largest trade association with nearly 150 members nationwide.

Timothy McCallan made sure that AADMO’s guests could not miss the company’s featured exhibit. Displaying a range of processing and consulting services within the credit counseling industry, information was presented to conference guests in a fashion that best projected the company’s goal of providing agencies with processing expertise to help their businesses grow. McCallan personally emphasized AmeriCorp’s goals: “We specialize in service, which means we do a superior job that will keep our clients’ customers happy.”

Topics of interest at the conference included the impact of the new bankruptcy act; the availability of state, Federal and local grants; and how-to’s on the writing of grant applications.

Other seminars concerned the establishment of consumer protection standards in credit counseling and responses to administrative actions against credit counseling agencies. Attentive to all these issues and to the trade association’s goals of emphasizing education, advocacy, and the general betterment of credit counseling and debt management organizations, Timothy McCallan asserted, “AmeriCorp is very much interested in raising the bar in all aspects of financial counseling and education. We are committed to educating the consumer…”

Timothy McCallan is also well aware of what makes for a well-managed counseling agency: “…beyond processing, we also offer consulting services to help our clients steer the right course, avoid pitfalls, and generally take advantage of our broad base of experience. We stay abreast of legislative and regulatory issues in all states. Our knowledge can help you.”

AmeriCorp’s Employees Show Continued Spirit of Giving

Timothy McCallan, CEO of AmeriCorp and its sister companies hosted its third annual Mc Cupcake Sale on Valentine’s Day, Wednesday, February 14, 2007. The annual event raises money for the National Center for Missing and Exploited Children.

AmeriCorp’s Charity Committee was responsible for baking cupcakes to be sold at the charity event. Employees then had the opportunity to purchase the cupcakes along with other specialties. This year, a casual dress day was offered along with two cupcakes for $7.00. Employees just wanting the cupcakes purchased them for $4.00. When the sale was over and all was said and done, AmeriCorp employees raised over $441 which was then matched by the company. A total of $882 was submitted to the National Center for Missing and Exploited Children. CEO Tim McCallan was once again impressed at the charitableness of his employees saying ‘I think we have one of the best groups around and it becomes even more evident when we have these charity events and the spirit if giving fills the air”.

Then National Center for Missing and Exploited Children is a private, nonprofit organization whose mission is to help prevent child abduction and sexual exploitation, help find missing children and assist victims of child abduction and sexual exploitation, their families and the professionals that serve them.

AmeriCorp, Inc. Timothy McCallan Rolls Out Proprietary Software

Timothy McCallan and AmeriCorp Inc. went live today with its very own Quality Processing System (QPS), following 18 months of intensive design and testing. All of its existing client and creditor databases were successfully moved intact. The immediate benefit is the automation of countless tasks that have previously been performed manually with the old, non-proprietary software system.

Clients are now able to choose their preferred method of contact and are kept automatically apprised of changes within their accounts. QPS is integrated with the company’s VRU system, which greatly increases the grade of service on incoming calls. Clients also have access to their account information via agency websites.

AmeriCorp and Timothy McCallan is still at work on an Agency Self-Service portion of the system that will roll out in two separate phases in early 2006. This advance will allow agencies to access system-generated reports for their own use rather than waiting for the processing company to create and transmit them.

Eventually the agencies will be able to perform on-line enrollment and use the system for lead distribution and tracking. Approved clients will be exported seamlessly to AmeriCorp for subsequent processing, and will be thereafter viewable to the agencies. The agencies will also be able to email and fax paperwork directly from their computers.

AmeriCorp and Timothy McCallan is relying on its in-house developers, programmers and hardware specialists to successfully complete and then support the later stages of the system, both internally for itself and externally for the client agencies.

The same staff members are committed to incorporating functions that answer the wishes of customers responding to our annual surveys. Even in its present form, the system should prove very appealing to companies in need of a third-party processor. Alternatively, QPS may be just as attractive as a buyable package for companies that act as processors themselves. This is brought to you by Timothy McCallan and Americorp.

Timothy McCallan and AmeriCorp Mounts a Thanksgiving Food Drive

Timothy McCallan and AmeriCorp’s Charity Committee received one mandate from management when it convened this fall to target relief groups for the upcoming year. The one assigned mission was to repeat the successful holiday food drive of the previous year, which had raised over 6000 items for the EAC Meals-on-Wheels Program.

Operating since the early 90’s, this program delivers meals for both homebound senior citizens and persons with HIV+/AIDS who are too ill to cook and shop for themselves. Dependent children are also fed through the program.

The Committee Chairperson set a goal of 7000+ items and created little internal perks to spur the departmental food gatherers. Depending on the size of an individual’s donation, he or she received an invitation to a free buffet lunch, earned a day of casual dress, received one or more tickets for a prize raffle, and so on.

But these modest returns were all out of proportion to the tremendous outflow of generosity shown by Timothy McCallan and AmeriCorp’s personnel. Starting on November 10th, the employees first rummaged through cabinets at home and delivered up the expected collection of loose canned goods, boxes of pasta and noodle soup, cereal, soap bars and juice cartons. By the final collection day of November 21st, however, the teams were rolling in huge bulk deliveries on handcarts and flatbeds.

Based on the previous year’s experience, EAC anticipated the givers’ enthusiasm and set aside four empty offices to receive the truckload of donations. A volunteer crew from AmeriCorp quickly transferred the items into the makeshift pantry and then handed over the matching money donation that Timothy McCallan promises will accompany any charitable donations made by his employees.

As he had predicted the week before, the employees had gone well beyond the stated goal and had delivered up more than 13,000 food portions and health care items. As luck would have it, the state funding that paid for most of the delivered meals had run out in October; and the agency had been told it would have to subsist on donations throughout the holiday season. And so minor miracles often arise out of the union of caring people.

AmeriCorp’s Employees Show Continued Spirit of Giving

Timothy McCallan, CEO of AmeriCorp (www.americorp.us) and its sister companies hosted its third annual Mc Cupcake Sale on Valentine’s Day, Wednesday, February 14, 2007. The annual event raises money for the National Center for Missing and Exploited Children.

AmeriCorp – Client Base Expected to Increase 75% by Year End

Tim McCallan, CEO knows the highs of being on top and the lows of being at the bottom. Having founded AmeriCorp (www.americorp.us) in 2000 he has seen his business fluctuate with the times. However, in this era of credit card debt, AmeriCorp has found its business is growing by leaps and bounds. AmeriCorp’s goal is to provide debt counseling agencies with processing expertise to help them grow faster, serve more clients better and keep them longer. Today, AmeriCorp is an indispensable resource for dozens of debt counseling agencies, law firms and the debt management industry. It continues to expand its facilities; both in personnel (25 new Customer Service Representatives scheduled for a September 2007 training class and another 25 for an October 2007 class) and IT capacity (VOIP ((Voice-Over Internet Protocol)) lines being installed to connect the NY office to the FL office). AmeriCorp’s goal is to serve consumers at even higher levels of performance and not only meet, but exceed, all others in the industry.

With more and more consumers drowning in credit card debt (it is estimated in 2007 Americans owe $980 billion in debt), Americans are finding it harder and harder to keep their heads above water due to over-the- limit fees, late fees and high APR’s (Annual Percentage Rates). Since bankruptcy laws have become tougher and tougher for the average American to use as a relief to their debt, more and more consumers are turning to Debt Consolidation/Management, Debt Settlement and Debt Validation to relieve their financial woes. Because forgiveness of debt (bankruptcy) reduces the likelihood of profit and continued survival for the credit card companies, they are generally willing to offer another deal to the consumers. The deals consist of reduced APR’s, waiving and removal of late fees, over limit fees and penalties. Enter AmeriCorp with Tim McCallan CEO of Americorp.

AmeriCorp handles everything after the initial counseling of the consumer. Its employees contact the creditors on behalf of the consumer, negotiate with creditors, process payments, answer client phone calls, keep accurate records, manage the latest technology and keep fair share collections current. The success of AmeriCorp and its staff is evident by the growth in their client base.

Citing the AmeriCorp Mission Statement “ To earn and sustain the confidence and trust of our business partners and their clients by continually improving and diligently fulfilling transaction processing, customer service, and consulting needs in a consistent, effective, and timely manner” Tim McCallan credits his hardworking management team and its employees for doing just that.

AmeriCorp’s Second Annual Barbecue

AmeriCorp’s (www.americorp.us) CEO Tim McCallan recognized the hard work and dedication of his employees by hosting the second annual summer barbecue on Friday, June 15, 2007.

With permission from the Landlord, the parking lot was roped off, coolers and tables were set up and a 10’ barbecue grill was brought in for the festivities. Managers and Supervisors were responsible for cooking up hot dogs, hamburgers, macaroni salad, potato salad and all the accoutrements that go along with a summer feast.

CEO Tim McCallan opened the festivities by thanking everyone for their hard work and dedication and for continued success in the upcoming year. At the conclusion, Circus Man ice cream was provided for dessert.

AmeriCorp, Inc. ISO Certification Renewed

Timothy McCallan, CEO of AmeriCorp (www.americorp.us) underwent auditing by an ISO auditor of its data processing, agency and creditor services, customer service, financial reporting and MIS to find any non-conformities or processes that were not consistent within the company and deviated from the standards of ISO. After two days of exacting audits, AmeriCorp received immediate recommendation for re-certification by an ISO auditor. Although very exacting preparations were needed to comply with ISO standards, AmeriCorp's re-certification indicates a commitment to quality that pre-dated its adaptation of the international standard.

ISO (International Organization for Standardization) is a worldwide federation that has devised standards of quality management with extremely high focus on customer and creditor satisfaction. AmeriCorp received its initial certification after a recommendation appeared in a report compiled from an auditor’s initial assessment held February 25-27, 2003, less than six months after AmeriCorp began its official preparations for the rigorous evaluation. The report cited a "strong management commitment to QMS (Quality Management System)" and remarked that "although a very new system, it was evident that it was also a very effective one." The auditors also delved into data processing, agency and creditor services, customer service, financial reporting and MIS, commenting that all these processes were "well-established and implemented with effective monitors and measurables in place."

The AmeriCorp website proudly displays an official logo that certifies the registration of its quality management system to the International Organization of Standards (ISO). CEO Tim McCallan, along with the AmeriCorp management staff, believes that the primary method of assuring client and creditor satisfaction is to pursue strong, self-imposed principles that will bear the scrutiny of a world-class standard bearer like the ISO. AmeriCorp also promotes these higher standards amongst the credit counseling companies that it serves. More and more often, cooperation from the major creditors hinges upon certification by an outside party; the process becomes an integral part of business survival even as it raises the quality of services provided. AmeriCorp's own certification lends much credibility to its professed quality policy: "To earn and sustain the confidence and trust of our business partners and their clients by continually improving and diligently fulfilling transaction processing, customer service, and consulting needs in a consistent, effective, and timely manner.

AmeriCorp’s Employees Show Continued Spirit of Giving