Optio Solutions, LLC. is an accounts receivable management and debt collection agency offering diplomatic, customized, effective and flexible services designed to optimize pre-collections and collections.

1. Your Collections Solution
Affordable. Effective. Diplomatic.

2. A Diplomatic Debt Collection Agency
Optio Solutions, LLC. is an accounts receivable
management and debt collection agency
offering diplomatic, customized, effective and
flexible services designed to optimize pre-
collections and collections.

3. Collection Ethics Makes
the Difference
In our blog, Ethics in Collection Means Walking the Talk, we stated
"It is our mission at Optio Solutions to treat customers, consumers
and associates with respect, integrity and in a professional and
ethical manner at all times. A diplomatic and respectful collection
approach is highly effective in both getting your delinquent A/R
collected and preserving your valuable customer relationships."
Let us earn your business! Contact us today for a personalized,
no-obligation consultation and accounts receivable analysis.

4. Optio Solutions Management Team
• J. Chairman of the Board - J. David (Dave) Siembieda
• David Siembieda has been the President and CEO of CrossCheck, Inc., the nation's third largest check approval
and guarantee provider, for over 12 years. He has over 20 years of experience in the check services field.
President & CEO - Chris Schumacher
• Chris has extensive experience in operational management, strategic planning and systems automation. Chris
also has an impressive background in the accounts receivable management industry with over 18 years of
leadership experience.
Executive Vice President of Sales - Todd Volkers
• Todd Volkers serves as Executive Vice President of Sales for Optio Solutions. Bringing to the team 23 years of
experience in the collection industry, he has previously held the position of Vice President of both operations
and sales at a receivables management company.

5. Optio Solutions Management Team (cont.)
Karen Cividanes brings over 20 years of management, staffing and training experience
to Optio Solutions. Karen was previously involved in creating and enforcing company
policies and procedures, including initiating HIPAA policy, at offices throughout the
Western United States.
Doug Morrison has an extensive background in the collections industry, including 25
years in a management role. During his career, Doug has been responsible for
multiple collection divisions throughout the country for one of the world's largest
financial services companies.

6. Affiliations
Optio Solutions provides collection services to companies in
many organizations.
We are proud to be a member of the following professional
associations:
ACA International, the Association of Credit
and Collection Professionals
Better Business Bureau
CAC, the California Association of Collectors

7. Client Testimonials
"It is wonderful working with a collections partner that understands the value of collecting funds while maintaining a healthy relationship
with our customers. Optio truly understands the importance of serving as a business partner, not just a vendor.
- Mike R, Language Software
“I am writing to let you know how pleased we have been with the service provided by Optio Solutions. Because of your service, I no
longer have to take the time to call customers who are slow paying and listen to their excuses. Your written demands get their
attention in a way we never could. As a result of your services, some of our traditionally slow-paying customers have started paying on
time and we have collected on some debts that we probably would not have collected.”
- Alicia R, Roofing Contractor
“Optio Solutions offered a new, effective and economical way of recovering past due accounts. For us, it was a combination of friendly
reminder calls - which they cleverly refer to as Talking Statements - that was most successful… What we particularly liked about this
approach is the unbelievable positive response that we received. Since our staff no longer has to make these phone calls, we are able to
focus our efforts on other projects, allowing my office to operate for effectively and efficiently. Best of all, within one month of signing
up with Optio Solutions, we have collected a significant number of our past due accounts faster than we could have imagined.”
-Vincent D, Private University

8. Talking Statements
Improve Profit Recovery with Diplomatic Collection Calls Made in Your Name
Optio Solutions Talking Statements® provide you with instant,
interactive communication with your debtor for improved debt
recovery.

9. Collection Letters & Written Demands
First party collection letters, which appear to be coming directly from your business,
speed up profit recovery.
Our written demands offer the increased impact of third party intervention and let
you choose from three service types: diplomatic, intensive or NSF.

10. Collection Calls
Profit Recovery for Stubborn Accounts through Collection Calls & Skip Tracing
(Collectors abide by the ACA Code of Ethics)
Revenue Maximizer
Instantly verify a patient's insurance coverage and accurately estimate at the point of
care what a patient owes for the services provided.

11. Markets
Schools
Optio Solutions offers several cost-effective services that schools and universities can use to
manage their outstanding debts.
Financial & Professional Services
Our pre-collection and collection strategies are extremely effective in collecting overdue fees
and negative balances as well as NSF checks and charge-offs.
Healthcare/Minor Medical
Medical offices face a variety of A/R challenges. Optio Solutions offers several services to help facilitate
payments from your patients.
Home Services & Property Management
There are a wide variety of services needed to maintain a home. We recognize that whether you provide
a pool service, pest control service, landscaping service, alarm service, flood and fire restoration, heating and
A/C service, fencing, fuel service, or any other home service, you deserve to be paid for the work you do!

12. Independent Sales
Professionals Wanted
• Our Independent Sales team enjoys:
• Entrepreneurial Freedom: the flexibility to determine your own schedule, set your own
appointments and to decide where you want to work. Be your own boss!
• Enterprise Support: the support to help you achieve your goals. We are backed by a 27 year
old, debt-free, multi-million dollar, established organization.
• Experienced Leadership: a leadership team that has been in the financial services business
for over 20 years.
For more information on our available opportunities, contact us
today - salesopportunities@optiosolutions.com or (866) 937-2249

13. Optio Solutions Blog
Visit the Optio Solutions Blog for the
latest company and industry news!
Recent Articles:
- Book Review: Is Customer Service at the Center of
Your Business?
- 4 Debt Collection Resources for Small Businesses
- Skip Tracing - Debt Collection Tools for Small Business
Owners
Subscribe to our blog today!

14. How to Choose a Collection Agency – White Paper
As bad credit and unemployment rise, there is a
growing likelihood that bills will go unpaid. Bad debt
can put pressures on business operations including
cash flow, staff and customer relations. As a business
owner or chief executive, you need to be sure that
your accounts are a priority for payment. Utilizing a
professional collection company can help you
manage late payments and improve recovery.
This “How to Choose a Collection Agency”
whitepaper will provide you with important
guidelines to help you identify a collection company
that fits your business needs.

15. Managing Patient Payments – White Paper
With current economic instability and looming
decreases in payer reimbursement, your practice
needs to retain the maximum amount of each dollar
earned. But as the struggling economy is also
affecting your patients, collecting payments has likely
become an expensive and frustrating burden.
Read our “Managing Patient Payments” white paper
to learn about collection strategies that will help your
practice increase patient collections in the midst of
economic instability.

16. Best Credit Policies – White Paper
Having a documented credit policy in place can
minimize the disruption to your business and allow
you to communicate with your customers effectively,
saving time and money in the long run. Our "Best
Credit Policies" whitepaper provides you with
information on how to create and enforce a useful
credit policy for your business.
Read our white paper to take the first step towards
reducing bad debt by setting up an effective credit
policy.

17. Identity Theft – White Paper
Identity theft is serious problem that can impact
credit, bank accounts, and much more. Being
prepared can minimize the inconvenience and effort
needed to resolve the problems that identity theft
can cause. “Identity Theft: Protection, Taking Action
& Recovery" offers tips to follow if you find yourself a
victim of Identity Theft.
Read our white paper today and take the first step to
protect yourself.

18. Cash Flow Strategies Webinar
• Learn to collect more, pay less and improve customer satisfaction. This Free webinar
demonstrates how to effectively minimize bad debt and collection expense while
increasing your cash flow.
• What we'll cover:
• Why traditional collection methods fail
• New collection tools that dramatically improve results
• Comparison of costs and return on investment
• Actual case studies
Register Now for an Upcoming Webinar with Live Q&A!

19. For more information on Optio Solutions’
products & services, contact us!
Corporate Headquarters
1444 N McDowell Blvd
Petaluma, CA 94954
Phone: (800) 360-2827
sales@optiosolutions.com