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1084961_12_item7_p94_s0 | 1084961_11_item7_p92_s1 | The following table summarizes our headcount by function by site: Gross Collections by Account Manager The following table summarizes our collection performance by account manager (in thousands, except headcount ): | Gross Collections by Account Manager The following table summarizes our collection performance by account manager (in thousands, except headcount ): | 2 | [
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1084961_12_item7_p67_s0 | 1084961_11_item7_p94_s0 | (1) Represents salaries, variable compensation and employee benefits. | (1) Represents only account managers and their supervisors salaries, variable compensation and employee benefits. | 2 | [
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1084961_13_item7_p99_s4 | 1084961_12_item7_p103_s5 | See Note 8 Debt to our consolidated financial statements for a further discussion of our debt. | See Note 11 Debt to our consolidated financial statements for a further discussion of our debt. | 2 | [
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1084961_13_item7_p105_s0 | 1084961_12_item7_p105_s3 | We expect to settle such interest payments with cash flows from operating activities. | We expect to settle cash income tax payments with cash flows from operating activities. | 2 | [
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1084961_13_item7_p105_s3 | 1084961_12_item7_p105_s6 | We do not have any off-balance sheet arrangements as defined by Item 303(a)(4) of Regulation S-K. | We do not have any off-balance sheet arrangements as defined by Item 303(a)(4) of Regulation S-K. Critical Accounting Policies Investment in Receivable Portfolios and Related Revenue . | 2 | [
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1084961_13_item7_p92_s0 | 1084961_12_item7_p38_s0 | (2) Cost in collection sites represents only account managers and their supervisors salaries, variable compensation, and employee benefits. | (1) Represent account managers and their supervisors salaries, variable compensation, and employee benefits. | 2 | [
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1084961_13_item7_p45_s1 | 1084961_12_item7_p39_s0 | (3) Other indirect costs represent non-collection site salaries and employee benefits, general and administrative expenses, other operating expenses and depreciation and amortization. | These costs include non-collection site salaries and employee benefits, general and administrative expenses, other operating expenses, and depreciation and amortization. | 2 | [
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1084961_13_item7_p69_s0 | 1084961_12_item7_p48_s0 | Stated interest on debt obligations increased $3.6 million to $19.3 million during the year ended December 31, 2011, compared to the prior year. | Interest expense The following table summarizes our interest expense ( in thousands, except percentages ): Stated interest on debt obligations increased $3.6 million to $19.3 million during the year ended December 31, 2011, compared to the prior year. | 2 | [
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1084961_13_item7_p63_s0 | 1084961_12_item7_p73_s6 | These costs include non-collection site salaries and employee benefits, general and administrative expenses, other operating expenses and depreciation and amortization. | (3) Other indirect costs represent non-collection site salaries and employee benefits, general and administrative expenses, other operating expenses and depreciation and amortization. | 2 | [
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1084961_13_item7_p46_s7 | 1084961_12_item7_p74_s6 | The effective tax rate for the year ended December 31, 2009 primarily consisted of a provision for federal income taxes of 32.4% (which is net of a benefit for state taxes of 2.6%), a blended provision for state taxes of 7.3%, a 1.0% beneficial adjustment to federal taxes payable as a result of state tax rate changes a... | The effective tax rate for the year ended December 31, 2012 primarily consisted of a provision for federal income taxes of 32.7% (which is net of a benefit for state taxes of 2.3%), a provision for state taxes of 6.6% and a net provision for the effect of permanent book versus tax differences of 0.4%. | 2 | [
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1084961_14_item7_p159_s1 | 1084961_13_item7_p105_s0 | We expect to settle cash income tax payments with cash flows from operating activities. | We expect to settle such interest payments with cash flows from operating activities. | 2 | [
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1084961_14_item7_p176_s1 | 1084961_13_item7_p112_s1 | Purchased property tax payment agreements receivable are reported at their outstanding principal balances, adjusted for, if any, charge-offs, allowance for losses, deferred fees or costs, and unamortized premiums or discounts. | Receivables secured by property tax liens are reported at their outstanding principal balances, adjusted for, if any, charge-offs, allowance for losses, deferred fees or costs, and unamortized premiums or discounts. | 2 | [
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1084961_14_item7_p176_s3 | 1084961_13_item7_p112_s3 | We accrue interest on all past due property tax payment agreements receivable due as the receivables are collateralized by tax liens that are in a priority position over most other liens on the properties. | We accrue interest on all receivable portfolios as the receivables are collateralized by tax liens that are in a priority position over most other liens on the properties. | 2 | [
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1084961_14_item7_p177_s0 | 1084961_13_item7_p113_s0 | The allowance for losses on property tax payment agreements receivable is evaluated on a regular basis by management and is based upon management s periodic review of the collectability of the tax payment agreements in light of historical experience, adverse situations that may affect the borrower s ability to repay, t... | The allowance for losses on receivables secured by property tax liens is evaluated on a regular basis by management and is based upon management s periodic review of the collectability of the receivables in light of historical experience, adverse situations that may affect the borrower s ability to repay, the estimated... | 2 | [
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1084961_14_item7_p181_s0 | 1084961_13_item7_p116_s3 | The amended standard allows companies to first assess qualitative factors to determine whether it is necessary to perform the two-step quantitative goodwill impairment test. | We first assess qualitative factors to determine whether it is necessary to perform the two-step quantitative goodwill impairment test. | 2 | [
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1084961_14_item7_p189_s1 | 1084961_13_item7_p122_s0 | When we establish a valuation allowance or increase this allowance in an accounting period, we record a corresponding tax expense in our statement of income. | When we reduce our valuation allowance in an accounting period, we record a corresponding tax benefit in our statement of income. | 2 | [
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1084961_14_item7_p31_s0 | 1084961_13_item7_p13_s0 | These are portfolios that are generally transacted within 6 months of the consumer s account being charged-off by the financial institution. | Fresh portfolios are portfolios that are generally transacted within six months of the consumer s account being charged-off by the financial institution. | 2 | [
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1084961_14_item7_p2_s0 | 1084961_13_item7_p2_s0 | Our Business and Operating Segments We are a leading provider of debt management and recovery solutions for consumers and property owners across a broad range of assets. | Our Business and Operating Segments We are an international specialty finance company providing debt recovery solutions for consumers and property owners across a broad range of financial assets. | 2 | [
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1084961_14_item7_p2_s1 | 1084961_13_item7_p2_s1 | We purchase portfolios of defaulted consumer receivables and manage them by partnering with individuals as they repay their obligations and work toward financial recovery. | We purchase portfolios of defaulted consumer receivables at deep discounts to face value and manage them by working with individuals as they repay their obligations and work toward financial recovery. | 2 | [
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1084961_14_item7_p99_s4 | 1084961_13_item7_p30_s11 | Salaries and employee benefits broken down between the reportable segments are as follows (in thousands) : | Other operating expenses broken down between the reportable segments are as follows (in thousands) : | 2 | [
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1084961_14_item7_p141_s0 | 1084961_13_item7_p38_s0 | (2) Cost in collection sites represents only account managers and their supervisors salaries, variable compensation, and employee benefits. | (2) Represent account managers and their supervisors salaries, variable compensation, and employee benefits. | 2 | [
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1084961_14_item7_p144_s0 | 1084961_13_item7_p38_s0 | (2) Cost in collection sites represents only account managers and their supervisors salaries, variable compensation, and employee benefits. | (1) Represent account managers and their supervisors salaries, variable compensation, and employee benefits. | 2 | [
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1084961_14_item7_p111_s5 | 1084961_13_item7_p39_s0 | (3) Other indirect costs represent non-collection site salaries and employee benefits, general and administrative expenses, other operating expenses, and depreciation and amortization. | These costs include non-collection site salaries and employee benefits, general and administrative expenses, other operating expenses, and depreciation and amortization. | 2 | [
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1084961_14_item7_p6_s0 | 1084961_13_item7_p3_s0 | We conduct business through two operating segments: portfolio purchasing and recovery and tax lien transfer. | We conduct business through two reportable segments: portfolio purchasing and recovery and tax lien business. | 2 | [
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1084961_14_item7_p6_s3 | 1084961_13_item7_p3_s3 | As a result, in accordance with authoritative guidance on segment reporting, our tax lien transfer segment is determined to be a reportable segment. | As a result, in accordance with authoritative guidance on segment reporting, our tax lien business segment is determined to be a reportable segment. | 2 | [
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1084961_14_item7_p105_s0 | 1084961_13_item7_p45_s1 | These costs include non-collection site salaries and employee benefits, general and administrative expenses, other operating expenses, and depreciation and amortization. | (3) Other indirect costs represent non-collection site salaries and employee benefits, general and administrative expenses, other operating expenses, and depreciation and amortization. | 2 | [
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1084961_14_item7_p70_s0 | 1084961_13_item7_p45_s1 | These costs include non-collection site salaries and employee benefits, general and administrative expenses, other operating expenses, and depreciation and amortization. | (3) Other indirect costs represent non-collection site salaries and employee benefits, general and administrative expenses, other operating expenses and depreciation and amortization. | 2 | [
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1084961_14_item7_p113_s0 | 1084961_13_item7_p46_s0 | The following table summarizes our interest expense ( in thousands, except percentages ): Stated interest on debt obligations increased $3.7 million to $23.0 million during the year ended December 31, 2012, compared to the prior year. | Stated interest on debt obligations increased $3.7 million to $23.0 million during the year ended December 31, 2012, compared to the prior year. | 2 | [
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1084961_14_item7_p53_s0 | 1084961_13_item7_p50_s0 | (3) Revenue recognition rate excludes the effects of net portfolio allowance or net portfolio allowance reversals. | (2) Gross revenue excludes the effects of net portfolio allowance or net portfolio allowance reversals. | 2 | [
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1084961_14_item7_p91_s0 | 1084961_13_item7_p50_s0 | (3) Revenue recognition rate excludes the effects of net portfolio allowance or net portfolio allowance reversals. | (2) Gross revenue excludes the effects of net portfolio allowance or net portfolio allowance reversals. | 2 | [
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1084961_14_item7_p93_s3 | 1084961_13_item7_p51_s2 | During the year ended December 31, 2011, we recorded a net portfolio allowance provision of $10.8 million, compared to a net portfolio allowance provision of $22.2 million in the prior year. | During the year ended December 31, 2012, we recorded a net portfolio allowance reversal of $4.2 million, compared to a net portfolio allowance provision of $10.8 million in the prior year. | 2 | [
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1084961_14_item7_p94_s3 | 1084961_13_item7_p53_s2 | The increase was primarily the result of increased headcount to support our growth. | The increase was primarily the result of increased headcount to support our growth in our portfolio purchasing and recovery business and the acquisition of Propel. | 2 | [
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1084961_14_item7_p141_s0 | 1084961_13_item7_p62_s0 | (2) Cost in collection sites represents only account managers and their supervisors salaries, variable compensation, and employee benefits. | (2) Represent account managers and their supervisors salaries, variable compensation, and employee benefits. | 2 | [
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1084961_14_item7_p144_s0 | 1084961_13_item7_p62_s0 | (2) Cost in collection sites represents only account managers and their supervisors salaries, variable compensation, and employee benefits. | (1) Represent account managers and their supervisors salaries, variable compensation, and employee benefits. | 2 | [
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1084961_14_item7_p111_s5 | 1084961_13_item7_p63_s0 | (3) Other indirect costs represent non-collection site salaries and employee benefits, general and administrative expenses, other operating expenses and depreciation and amortization. | These costs include non-collection site salaries and employee benefits, general and administrative expenses, other operating expenses, and depreciation and amortization. | 2 | [
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1084961_14_item7_p116_s1 | 1084961_13_item7_p73_s0 | Put-backs represent accounts that are returned to the seller in accordance with the respective purchase agreement ( Put-Backs ). | Recalls represent accounts that are recalled by the seller in accordance with the respective purchase agreement ( Recalls ). | 2 | [
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1084961_14_item7_p53_s0 | 1084961_13_item7_p86_s0 | (2) Revenue as a percentage of collections excludes the effects of net portfolio allowance or net portfolio allowance reversals. | (2) Gross revenue excludes the effects of net portfolio allowance or net portfolio allowance reversals. | 2 | [
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1084961_14_item7_p54_s0 | 1084961_13_item7_p86_s0 | (2) Revenue as a percentage of collections excludes the effects of net portfolio allowance or net portfolio allowance reversals. | (3) Revenue recognition rate excludes the effects of net portfolio allowance or net portfolio allowance reversals. | 2 | [
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1084961_14_item7_p91_s0 | 1084961_13_item7_p86_s0 | (2) Revenue as a percentage of collections excludes the effects of net portfolio allowance or net portfolio allowance reversals. | (2) Gross revenue excludes the effects of net portfolio allowance or net portfolio allowance reversals. | 2 | [
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1084961_14_item7_p92_s0 | 1084961_13_item7_p86_s0 | (2) Revenue as a percentage of collections excludes the effects of net portfolio allowance or net portfolio allowance reversals. | (3) Revenue recognition rate excludes the effects of net portfolio allowance or net portfolio allowance reversals. | 2 | [
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1084961_14_item7_p38_s1 | 1084961_13_item7_p88_s1 | The following table summarizes the gross collections by collection channel (in thousands) : | The following table summarizes the total collections by collection channel and geographic areas (in thousands) : | 2 | [
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1084961_14_item7_p133_s0 | 1084961_13_item7_p89_s0 | Headcount by Function by Site The following table summarizes our headcount by function by site: | The following table summarizes our headcount by function by geographical location: | 2 | [
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1084961_14_item7_p15_s0 | 1084961_13_item7_p8_s0 | Tax lien transfer Our tax lien transfer segment focuses on the property tax financing industry. | Our tax lien business segment focuses on the property tax financing industry. | 2 | [
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1084961_14_item7_p139_s4 | 1084961_13_item7_p91_s0 | Gross Collections per Hour Paid The following table summarizes our gross collections per hour paid to account managers (in thousands, except gross collections per hour paid ): Collection Sites Direct Cost per Dollar Collected The following table summarizes our gross collections in collection sites and the related direc... | Collection Sites Direct Cost per Dollar Collected The following table summarizes our gross collections in collection sites and the related direct cost (in thousands, except percentages ): | 2 | [
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1084961_14_item7_p103_s0 | 1084961_13_item7_p92_s0 | (1) Represent account managers and their supervisors salaries, variable compensation, and employee benefits. | (1) Cost in collection sites represents only account managers and their supervisors salaries, variable compensation, and employee benefits. | 2 | [
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