Collection Africa Limited (CAL) is a debt management outsourcing service, which is designed to provide our clients with a bad debt resolution tool. CAL began its debt management outsource services to banking institutions n 2001 when established as the specialist debt collection organization within the CRBAfrica group purposefully to deliver debt portfolio management services to banks on their retail debts. Retail debt is characterized by high volume and relatively low value per debt. This renders the collection of retail debt expensive and ineffective when traditional and conventional debt collection techniques are applied. CAL was set up to provide banks with an outsource partner who would take up the costs and efforts to pursue, track, negotiate, and monitor the repayment of retail debt. CAL has since establishment in 2001 provided the banking sector with a highly effective non-performing asset resolution tool. Our experience in the banking sector has been mirrored in other sectors as well with an equal measure of success. CAL administers the collection of debt (from pr-determined age) for its clients using our proprietary Debt Management Software System, Recover! That tracks and monitors each and every debt to its final resolution.