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VRS has invested in many national databases and investigative resources to provide you background information necessary for account resolution. We are able to locate assets and verify a customer's ability to pay or settle their obligations.

We maintain some of the largest Microsoft.NET based databases available.


This allows us to profile the debtor and his/her ability to pay, resulting in maximum return for you. Most times the debtor has just as little belief in their ability to pay as you do. With a structured profile and an experienced collector, we can show options available to pay which the debtor was not aware of or not letting you know was available to them.

The software and databases available to Lockhart, Morris & Montgomery, Inc. allows us to locate people, property, assessed value of said property, indicate bankruptcy, identify available credit lines, address history and more. These are all steps towards profiling your debtor and developing a method of payment.