Which pairing of collection type to method is correct?

• A. Direct – withholding from pay
• B. Indirect – cash or cashier's check
• C. Direct – cash or cashier's check
• D. Indirect – supplemented by travel pay

Answer: (C)

Direct collection means the debtor provides funds directly to the agency at the time of collection, using instruments that deliver immediate value. Cash and a cashier's check are direct forms of payment because they represent immediate, negotiable funds handed over to the agency without waiting for payroll processing or other intermediaries. Withholding from pay, by contrast, is an indirect method: the debt is settled through the payroll system as a deduction from earnings, not through an immediate handover of funds. Supplemented by travel pay isn’t a standard direct collection channel and doesn’t represent immediate direct payment to settle the debt. So the pairing of Direct with cash or cashier’s check best reflects direct, immediate payment to the agency.