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Need help choosing a collection agency? There are collection agencies that cater to every kind of debtor. Some agencies even create automated collection programs specifically geared towards the "slow pay" or 60 to 90 day late cycle. If you are a small business and you want to get a debtors attention, they will recognize the serious impact of receiving a letter from a collection agency. These automated letters tell a debtor that a collection agency is involved and collection efforts may accelerate should they not tend to the issue. These programs should use the NCOA (National Change of Address) option to help assure deliverability.