When I come in to work I log into my computer, log into my phone and other programs that I use and begin dialing customers. If the customer does not answer the phone, I leave a message asking them to go online or call us back. If the customer does answer, I give them an overview of their account status and then offer my assistance in helping them get caught up. Sometimes it's as simple as they got busy and forgot to make their payment. Other times they are going through difficult situations.