![Adare SEC Financial Solutions CCM 1](https://www.adaresec.com/hubfs/Website%20-%20Sector%20Images/sector-financial-1.png)
A real-world example
Charlie receives a “Hello” letter from a debt collection agency
Initial correspondence invites him to set up an online account having transferred his debt from the original creditor, with repeated follow-ups if he doesn’t respond.
![Adare SEC Financial Solutions CCM 2](https://www.adaresec.com/hubfs/Website%20-%20Sector%20Images/sector-financial-2.png)
09:15am
Charlie follows the link or QR code to set up a personal online account
Using his mobile phone, he can scan the QR code to get redirected to a personalised landing page.
![Adare SEC Financial Solutions CCM 3](https://www.adaresec.com/hubfs/Website%20-%20Sector%20Images/sector-financial-3.png)
09:16am
The account is verified by email with a link to the income and expenditure form
Having verified the email address by clicking the unique link, he can enter his current earnings and expenditure.
![Adare SEC Financial Solutions CCM 4](https://www.adaresec.com/hubfs/Website%20-%20Sector%20Images/sector-financial-4.png)
09:22am
Charlie clicks the link and completes the online form, adding payment details
Having submitted income and expenditure figures, he can now select his preferred monthly repayment amount and term.
![Adare SEC Financial Solutions CCM 5](https://www.adaresec.com/hubfs/Website%20-%20Sector%20Images/sector-financial-5.png)
09:30am
Confirmation is sent by email with the agreed monthly payment plan
Once confirmed online, an email is sent with his electronically signed agreement followed by a paper copy in the post.