Clients who anticipate a regular stream of defaulted accounts may prefer a forward flow arrangement, in which PARC agrees to purchase the defaulted accounts on a monthly or quarterly basis on fixed terms. It can be time consuming for a seller to find a trustworthy buyer, agree on a price, negotiate terms and conditions, set up the file exchange and manage any post-sale servicing questions. A forward flow arrangement puts in place a more permanent mechanism that avoids these headaches and assures accounts spend as little time as possible on the shelf losing value and are serviced in a manner that will maintain the healthcare organization’s standing in its community.