The collection process in BPO involves strategies to recover debts and past-due payments from a companys clients. It is a series of events, such as letters and to-do entries, meant to encourage an account to pay its delinquent debt. The process is linked to specific service agreements that contributed to the delinquent debt. Collections are usually done by a debt collector who works for a creditor or with an outsourced third-party collections agency. When accounts are given to a debt collector or a debt collection agency, they are responsible for contacting and recovering the debt from the defaulter. Many collection BPOs offer first-party collections and third-party collections services. The first-party collection can be done within the organization, where the employees of the company in question are in charge of and manage delinquencies typically less than 60 days old. Third-party collections are when the original creditor outsources the accounts written off as bad debt to a third-party organization. Business Process Outsourcing (BPO) gives businesses the power to collect debt, retain customers, and improve their revenue cycle. When a customer does not pay the business within the terms specified, the amount of the bill becomes past due and is sometimes submitted to a collection agency.