Integrated Mail, Internet, and Telephony Event Tracking System

A method of tracking and acting on events related to the delivery of a mail piece, comprising:

• a sender transmitting information about an addressee to an independent integrated record keeper,
• the independent integrated record keeper creating an integrated record associated with the addressee,
• the independent integrated record keeper adding the information about the addressee to the integrated record,
• generating a mail piece for delivery to the addressee,
• the independent integrated record keeper associating the mail piece with the addressee's associated integrated record,
• sending the mail piece to the addressee by placing it in a mail stream of a delivery service not affiliated with the independent integrated record keeper,
• the independent integrated record keeper monitoring delivery events associated with the mail piece, and
• the independent integrated record keeper automatically causing a communication to be transmitted to the addressee upon the occurrence of a predetermined delivery event associated with the mail piece.

A method of tracking and acting on events related to the delivery of a mail piece to a delinquent borrower, comprising:

• creating an integrated record associated with a delinquent borrower,
• giving a mail piece a unique identifier,
• associating the delinquent borrower with the mail piece,
• placing the mail piece in a mail stream,
• recording the date and nature of delivery events associated with the mail piece,
• transmitting a follow-up communication to the delinquent borrower after a predetermined delivery event occurs,
• recording the date of the follow-up communication;
• recording the date of any response by the delinquent borrower to the follow-up communication;
• and
• adding to the integrated record associated with the delinquent borrower the date and nature of the delivery events associated with the mail piece, the date of the follow-up communication, and the date of any response by the delinquent borrower to the follow-up communication.

A method of communicating with a delinquent borrower, comprising:

• identifying the occurrence of a default condition;
• generating a letter to a delinquent borrower;
• sending the letter to the delinquent borrower after the occurrence of the default condition;
• determining if the letter has been accepted by the delinquent borrower;
• contacting the delinquent borrower after determining whether the letter has been accepted by the delinquent borrower;
• communicating with the delinquent borrower to determine the delinquent borrower's condition;
• triaging the delinquent borrower's condition as compared to other delinquent borrowers' conditions;
• and then
• having a customer service representative communicate with the delinquent borrower.