Red River Collections utilizes a dialer that was developed by DAKCS, the VIC III. The VIC III was developed specifically to complement the DAKCS Software System that we use. The VIC III is able to cut the transfer time to the collector down to nanoseconds by having the dialer as an extension to the collection system. Because it was developed this way, no uploading or downloading of tables or accounts is necessary. We can create and change tables on the fly with priorities being changed as often as needed. This enables us to target different groups of debtors that will be more responsive during different times of the day.