Initially there were two ways. First one was pure call center model. I've been

a list of customers I want to recover from. I just call the support and land

them for payments. That's what model. The second model is mentioning I'm where they

use in New York pictures, post-tube, to groups, share your data with your contact.

And both of them were working simultaneously because they needed the call center

to do that. And then in some other cases, they were done eternally by the

lenders themselves doing the new signature.

When I was building collections processes for a bank in Africa, my team on the

ground used to laugh as they spoke to me about some of the tactics employed by

their less groupular sand, less regulated industry peers. One I remember was the

big yellow car emblazoned with dead collectors dot com or something equally

conspicuous, which the collector would park in front of the house of the

delinquent borrower. Then they'll just sit there, maybe reading their newspaper

for a few hours, allowing the social embarrassment to really seep in before

they got out knocked on the door and attempted to make a payment plan. And we had

to aim the stones we were throwing their way very carefully because we knew that

the military brass would sometimes use morning parade to call out their

soldiers who were behind on our loans. It was not ideal, but I'm embarrassed to say

now that I just kind of ignored it. Today's guest did not. Be Freeze founders had

become deeply unsatisfied with the available credit collections options, which

they thought mostly thrived on humiliating customers. So they decided to build a

more customer centric approach. One that leverages ethics and technology to lead

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