Podcasts about aca international

Welcome back to the podcast! In today's must-listen episode, Chantel got to speak with Martin Sher   Martin Sher, a Birmingham, Ala. businessman has been named the 2010-2011 president of ACA International, the association of credit and collection professionals. Sher, co-owner with his brother David of AmSher Receivables Management, assumed the president's gavel in July at the ACA International Convention in Washington D.C.   As president, Sher will lead an organization of 5,000 members in 65 countries world wide during a critical time in ACA's history. “The creation of the new Bureau of Consumer Financial Protection, potential reform of the Fair Debt Collection Practices Act, proposed restrictions regarding communicating with cell phones, and states considering new laws demand ACA's active collaboration in finding an appropriate balance between a critically important industry to the world economy and appropriate levels of consumer protection,” he said.   Enjoy!   Upgraded Formulas: https://www.upgradedformulas.com/collections/featured-products?rfsn=5797728.596684&utm_source=refersion&utm_medium=affiliate&utm_campaign=5797728.596684 Use Coupon Code: CHANTELRAY   Heart and Soil: Website: http://chantelrayway.com/liver  Use Coupon Code: chantelray   Today's Episode Is Sponsored By BiOptimizers Masszymes: http://masszymes.com/waistawayfree    Use code waistaway10 for a special discount!   Today's Episode Is Sponsored By BiOptimizers Magnesium Breakthrough: Visit https://magbreakthrough.com/waistaway and enter code waistaway for 10% off any order. https://magbreakthrough.com/rf_special?rfsn=7678975.73fd57&utm_source=refersion&utm_medium=affiliate&utm_campaign=7678975.73fd57     Masszymes - https://bioptimizers.com/shop/products/masszymes?rfsn=7678975.73fd57&utm_source=refersion&utm_medium=affiliate&utm_campaign=7678975.73fd57   HCL (Hydrochloric Acid) - https://bioptimizers.com/shop/products/hcl-breakthrough?rfsn=7678975.73fd57&utm_source=refersion&utm_medium=affiliate&utm_campaign=7678975.73fd57     Sleep Breakthrough - https://bioptimizers.com/shop/products/sleep-breakthrough?rfsn=7678975.73fd57&utm_source=refersion&utm_medium=affiliate&utm_campaign=7678975.73fd57    Join Our Non-Toxic Family MasterClass: Website: https://nontoxicfamily.com/masterclass/ Join Our Facebook Group: https://www.facebook.com/groups/TheChantelRayWay/   Order One Meal And A Tasting: https://chantelrayway.com/onemeal/    Order All The Books: Waist Away: The Chantel Ray Way - 2nd Edition:  https://www.amazon.com/gp/product/0999823116/ref=dbs_a_def_rwt_hsch_vapi_tpbk_p1_i0    Fasting to Freedom: The Gift of Fasting: https://www.amazon.com/Fasting-Freedom-Gift-Chantel-Ray/dp/0999823132/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=&sr=    Freedom From Food: A Six Week Bible Study Course: https://www.amazon.com/Freedom-Food-Bible-Study-Course/dp/0999823159/ref=pd_bxgy_img_3/135-7722513-4171815?_encoding=UTF8&pd_rd_i=0999823159&pd_rd_r=91d59435-2126-4f9d-867e-00646964e3e4&pd_rd_w=mg3U0&pd_rd_wg=FcVwL&pf_rd_p=fd3ebcd0-c1a2-44cf-aba2-bbf4810b3732&pf_rd_r=NWM3687GJSRKKQ4BYQP4&psc=1&refRID=NWM3687GJSRKKQ4BYQP4    Connect With Us:   Leave us a review: https://chantelrayway.com/review/    Share YOUR Story: https://chantelrayway.com/contact/   Contact directly through email at questions@chantelrayway.com    Enjoy refreshing, all-natural wine: https://chantelrayway.com/wine/   Listen to the new audiobook as a podcast HERE: https://chantelrayway.com/purchase-audio-book/   Free Video Preview: https://chantelrayway.com/top-12-thin-eater-tips-free-video/   Check out the VIDEO COURSE here: https://chantelrayway.com/video-course/   Purchase on Amazon Here: https://www.amazon.com/shop/intermittentfastingthechantelrayway   Strengthen your immune system with Vitamin C: https://chantelrayway.com/vitaminc/    Enjoy a FREE smoothie recipe book: https://chantelrayway.com/freerecipe/   Re-energize with nutritious algae Energybits: https://chantelrayway.com/energybits    Castor Oil: https://chantelrayway.com/castoroil   Connect with us on Social Media:   YouTube Channel Link: https://www.youtube.com/channel/UCteFjiVaY6n0SOAixcyZbWA   Like us on Facebook at https://www.facebook.com/TheChantelRayWay       Things we love: https://chantelrayway.com/things-i-love-2/   Facebook group: https://www.facebook.com/groups/TheChantelRayWay   ***As always, this podcast is not designed to diagnose, treat, prevent or cure any condition and is for information purposes only. Please consult with your healthcare professional before making any changes to your current lifestyle.***

November 6, 2023 - We talk about the medical debt collection process and a proposed pilot program for medical debt, with Scott Purcell, CEO of ACA International, the leading trade association for debt collection agencies.

This episode features the excellent João Luiz Ferreira. João is the Digital Marketing Manager at ACA International. João speaks about his daily job identifying keywords and finding buyer personas. He talks about using Ahrefs and Semrush to identify his keywords. And how he uses a manual Google search to see if long tail terms appear. He gives a wonderful tip for using wordtune and buzzsumo to get great content insights. Next up we move on to how he's been able to get a relatively new site top of the search and he shares his story there. Changing it up we speak about Amazon PPC and how João has aggressively grown the sales of Irish Tin Whistles around the world. We finish up with some insights into websites and CRMs. This episode is perfect for anyone wanting to understand keywords and different ways to build an online business.

Mike O'Neil is joined by the Arizona Public Health Association's executive director, Will Humble, and ACA International board member and debt collector, Christian Lehr. Together, they discuss Arizona Proposition 209, it's effect on good and businesses from debt collectors, and more.  TIMESTAMPS:SEG1 - 0:00SEG 2 - 10:29SEG 3 -  17:45SEG 4 -  29:56See omnystudio.com/listener for privacy information.

We're driving down the highway of been there, done that and we just passed a sign that says warning construction ahead. Fortune favors the brave, but overcoming fear, and taking risks that will reinvent the future, begins with a different way of thinking. In this episode we're going to explore some of the challenges and opportunities the past few years have brought about from various perspectives, and explore possible disruptive solutions, and an important shift in mindset for  ARM companies of the future,  with industry veteran and thought leader Rozanne Anderson of Finvi formerly Ontario Systems.Takeaways includeThe brand conflict of empathy and the 3rd party debt collectorThe shifting role of the debt collector of the futureRemaining challenges with Reg F and possible next stepsOvercoming the consent obstacleChanging our legacy mindsetGuest:s:  Rozanne AndersenRozanne Andersen serves as Vice President and Chief Compliance Officer at Finvi, a widely recognized leading software provider to the collections, healthcare, debt buyer and Federal, state, and local government markets. She leads the organization's regulatory compliance efforts to ensure compliance solutions are embedded in its software, contact management, payment processing, and cloud solutions.A licensed attorney and a 30+ year veteran and advocate of the banking, credit, and collection industry, Andersen previously served as former general counsel, director of government affairs, and CEO of ACA International. During her career, she has driven critical amendments to the Fair Debt Collection Practices Act, the Health Insurance Portability Act, and numerous statewide consumer protection laws, and has also served as an expert witness for the Federal Trade Commission and private parties.Andersen earned her J.D. from the William Mitchell College of Law and holds Chief Compliance Officer certifications from both ACA International and RMAI International. In 2020, Andersen received an international Compliance Officer of the Year award from Women in Compliance.

What you'll learn about in this episodeYou've worked hard to build and guide your business throughout its life, you should have a plan that guides it to a conclusion. A business exit strategy is a plan for what will happen when you want to leave your business and outlines the form that the transition will take."Begin with the end in mind" is important in life and business, because your exit is inevitable. The day will come when it's time to move on. Having a plan in place will help you sleep better, and insure your legacy will move in the direction you have in mind.  Marcus Aurelius said "You could leave life right now. Let that determine what you do and say and think.” Having a plan guides you toward your goals and can help guide you as your business evolves.As you think about your business exit strategy there are many considerations. How much is my business worth? What information will buyers request?What steps can I take now to better position my business? In this episode we're going to answer these questions and many more with our Guest Michael Lamm Co-Founder and Managing Partner at Corporate Advisory Solutions, LLCGuest: Michael LammMichael is a Co-Founder and Managing Partner at Corporate Advisory Solutions (CAS), an independent investment and merchant banking firm that supports a select group of clients with offices in Philadelphia, PA and Washington D.C. Michael has completed more than 125 M&A engagements in Tech-Enabled Outsourced Business Services. Michael leads his deal team on M&A engagements, valuations, and expert witness litigation matters while also charting the firm's corporate direction and strategic growth plan. Prior to co-founding CAS, Michael served as a Director at Kaulkin Ginsberg, an M&A and strategic advisory firm, for over 10 years. He executed on over 70 M&A transactions in tech-enabled outsourced business services. Michael is actively involved in leading industry associations, such as the Association for Corporate Growth and ACA International, and he is a frequent guest speaker, writer, and presenter at industry conferences and events.Michael has a BA in international studies from the School of International Service at American University. He lives in Gladwyne, PA with his wife and three children.Resources:Fair Debt Episode Link    Website: https://corpadvisorysolutions.com/    Email: mlamm@corpadvisorysolutions.comTwitter: https://twitter.com/mlammCAS   LinkedIn Personal: https://www.linkedin.com/in/michaellamm/LinkedIn Company: https://www.linkedin.com/company/corporate-advisory-solutions-llc/Additional Resources:The ARM Industry Reaches and Inflection PointCAS 2021 Year end ReportIs it time to sell our business An In Debt Discussion Podcast Receivables Info Podcast EP 65 with Michael Lamm

 Linda Russell was raised in the collection business. The debt collection agency she ran—CollectionCenter Inc., based in Rawlins, Wyoming started by her father, Clyde Cox, in 1919. Her 1991 ACA International presidency represented a couple of firsts. She was the first woman to hold the office, the first association member from Wyoming to serve as president, and the first ACA president to appear on CNN in her first week of office. Collection Center now run by her son Dan is celebrating 102 years in business.What you'll learn about in this episode: “The accounts receivable management industry has changed a lot since Linda began collecting door to door. In this episode Linda shares some stories about what it takes to create a centennial culture as her company just surpassed 102 years in business quite a milestone in any business, but especially for a collection agency. During our discussion, we talk about what's changed and how mindset, attitude, and the personal touch remain keystones in building a business that lasts.”  Core principles for building a centennial culture and loyalty that lasts over generations.How Linda's door-to-door collections led to improved phone collections.What's changed and what hasn't in Debt CollectionsThe inside scoop on her journey of becoming the first woman ACA President and testifying before Congress on behalf of the industry and the FDCPA.Resources:Website: https://www.mycollectioncenter.com/Email: larcci@aol.comLinkedIn: Company https://www.linkedin.com/company/collectioncenter-inc/LinkedIn: Personal https://www.linkedin.com/in/linda-russell-78050824/Additional Resources:ACA International Article

Harry Strausser III is a second-generation collection veteran having held the position of President of two successful collection firms until the sale of those firms in May 2017.  Throughout his career Harry was active in the Mid-Atlantic Collectors Association where he served as President, and ACA International, Inc., the association of credit and collection professionals, in which he is a Senior Certified Trainer. He has served on the ACA International Executive Committee and held the position of President in 2004-2005. He currently holds the position of President of Applied Innovation, a software company that serves the ARM space.He holds an MA in communication from Bloomsburg University of Pennsylvania and a BS in business administration from the same institution. He has served as a full-time adjunct professor for the Department of Communication Studies at Bloomsburg University where he taught interpersonal communication, public speaking, and corporate communication. As a sought-after industry speaker, he has traveled extensively across the United States and internationally during which he has conducted over 1000 educational and motivational programs for associations, private enterprises, conferences, and public seminar events.Harry enjoys travel, music, working outdoors at his home, and spending time with his family and two golden retrievers, Tindaqwae (Tin- Dah-Quay) and Luna.What you'll learn about in this episode: “The accounts receivable management industry is dominated by small, privately held companies which make finding broad benchmarking data difficult because there is little public financial data available and few companies are willing to part with sensitive financial data.”  Key benefits and strongest elements of a benchmark group.How to overcome the dynamics of trust with small to midsize agenciesHow to go about starting or finding the right groupSteps and what you should and shouldn't doSIze of the group and size of the companiesHarry shares valuable insights he's gained from years of experience.KPIs the good and the badBenchmarking reports you should seek right nowResources:Website: https://www.appliedinnovationinc.com/Email: hstrausser@appliedinnovationinc.comLinkedIn: Company https://www.linkedin.com/company/applied-innovation-inc-/LinkedIn: Personal https://www.linkedin.com/in/harry-strausser-iii-7413106/Additional Resources:IBIS World Debt Collection Industry InfoACA International Research Center Info

In this episode of ACA Cast, ACA International Board Member and Co-Managing Partner at Kaufman Dolowich Voluck in Philadelphia Richard Perr, talks with ACA Director of Education Kelli Krueger about the ins and outs on how member agencies should respond to lawsuits. Contact ACA Cast host, ACA Director of Education Kelli Krueger, at krueger@acainternational.org or Member Services at memberservices@acainternational.org  if you have a podcast idea for ACA Cast.Support the show (http://www.acainternational.org)

The TransUnion v. Ramirez  decision from the U.S. Supreme Court is likely to have massive implications for standing for class certification and class actions, and potentially for the en banc petition seeking a rehearing on the panel opinion issued in Hunstein v. Preferred Collection & Mgmt. Servs. Inc. In the 5-4 opinion written by Justice Brett Kavanaugh, the court held that the class in the case did not have standing to sue—only the original plaintiff, Sergio Ramirez. Justices Clarence Thomas, Sonia Sotomayor, Stephen Breyer and Elena Kagan dissent on the opinion, ACA International previously reported.On this episode of ACA Cast,  Jason Tompkins and Jonathan Hoffmann, partners at Balch & Bingham LLP, talk with ACA Director of Education Kelli Krueger about the implications of the Supreme Court's decision on other case law and at the state level.They also reference a footnote in the court's opinion:For the first time in this court, the plaintiffs also argue that TransUnion “published” the class members' information internally—for example, to employees within TransUnion and to the vendors that printed and sent the mailings that the class members received. That new argument is forfeited. In any event, it is unavailing. Many American courts did not traditionally recognize intra-company disclosures as actionable publications for purposes of the tort of defamation. See, e.g., Chalkley v. Atlantic Coast Line R. Co., 150 Va. 301, 326–328, 143 S. E. 631, 638–639 (1928). Nor have they necessarily recognized disclosures to printing vendors as actionable publications. See, e.g., Mack v. Delta Air Lines, Inc., 639 Fed. Appx. 582, 586 (CA11 2016). Moreover, even the plaintiffs' cited cases require evidence that the defendant actually “brought an idea to the perception of another,” Restatement of Torts Section 559, Comment a, p. 140 (1938),  the defendant actually “brought an idea to the perception of another,” Restatement of Torts Section 559, Comment a, p. 140 (1938), and thus generally require evidence that the document was actually read and not merely processed, cf. Ostrowe v. Lee, 256 N. Y. 36, 38–39, 175 N. E. 505, 505–506 (1931) (Cardozo, C. J.).That evidence is lacking here. In short, the plaintiffs' internal publication theory circumvents a fundamental requirement of an ordinary defamation claim—publication—and does not bear a sufficiently “close relationship” to the traditional defamation tort to qualify for Article III standing.Contact ACA Cast host, ACA Director of Education Kelli Krueger, at krueger@acainternational.org or Member Services at memberservices@acainternational.org  if you have a podcast idea for ACA Cast.Support the show (http://www.acainternational.org)

In this episode, ACA International Director of Education Kelli Krueger talked with founder of Emprise Technologies Marc Savage. Savage shared what an agency needs to do to stay relevant, and ultimately remain in business,  during this technological evolution in the accounts receivable management industry.  Contact ACA Cast host, ACA Director of Education Kelli Krueger, at krueger@acainternational.orgSupport the show (http://www.acainternational.org)

In today's episode, attorneys Caren Enloe and Jeff Rogers discuss defects in title affecting the title to real property, including how those defects are discovered, and how they can be cured. Topics we cover include title reformation and quiet title actions.Jeff Rogers leads the firm's Foreclosure and Collateral Recovery Section. He joined Smith Debnam in 1994 and concentrates his practice in areas affecting the financial services industry. His practice includes commercial litigation, real property litigation, foreclosure, collateral recovery, bankruptcy, title reformation, and consumer finance litigation. His clients include banks, credit unions, commercial lenders, loan servicers, finance companies, title insurance companies, and other similar businesses.For over 30 years, Jeff has devoted his practice to a wide range of creditor-related areas of the law. Over his years of practice, Jeff has assisted members of the financial services industry with most every type of matter and dispute that could be faced by a creditor. Whether an easement dispute, real estate title dispute, bankruptcy filing, defective loan document, foreclosure, or recovery of secured collateral, there are very few issues he has not handled for his clients.His experience has afforded him the opportunity to frequently speak on topics of interest to secured creditors, including residential and commercial foreclosure, compliance and regulatory issues, collections, collateral recovery, and title reformation. Jeff has spoken at programs and continuing legal education courses sponsored by Campbell University School of Law, the North Carolina Assistant Clerks of Court Conference, the North Carolina Bar Association, the North Carolina Creditors Bar Association, the North Carolina Bankers Association, and the North Carolina School of Government.Caren Enloe leads Smith Debnam's Consumer Financial Services Litigation and Compliance group. In her practice, she defends consumer financial service providers and members of the collection industry in state and federal court, as well as in regulatory matters involving a variety of consumer protection laws.  Caren also advises fintech companies, law firms, and collection agencies regarding an array of consumer finance issues.An active writer and speaker, Caren currently serves as chair of the Debt Collection Practices and Bankruptcy subcommittee for the American Bar Association's Consumer Financial Services Committee. She is also a member of the Defense Bar for the National Creditors Bar Association, the North Carolina State Chair for ACA International's Member Attorney Program, and a member of the Bank Counsel Committee of the North Carolina Bankers Association. Most recently, she was elected to the Governing Committee for the Conference on Consumer Finance Law. In 2018, Caren was named one of the “20 Most Powerful Women in Collections” by Collection Advisor, a national trade publication.Caren oversees a blog titled: Consumer Financial Services Litigation and Compliance dedicated to consumer financial services and has been published in a number of publications including the Journal of Taxation and Regulation of Financial Institutions, California State Bar Business Law News, Banking and Financial Services Policy Report and Carolina Banker. 

The U.S. House of Representatives passed the Comprehensive Debt Collection Improvement Act, H.R. 2547, May 13, mostly along party lines, which means the U.S. Senate could now consider the bill with extensive reforms to debt collection. In this episode of ACA Cast, Scott Purcell, president of ACA International, and president of Professional Credit Service, and Tim Myers, president of business development Clark County Collection Service LLC, and president of the Nevada Collectors Association, share their insights on the problematic components of this legislation related to medical debt and how ACA members can get involved in advocacy and educating lawmakers about the impact of the bill on businesses and health care provider clients.Contact ACA Cast host, ACA Director of Education Kelli Krueger, at krueger@acainternational.org or Member Services at memberservices@acainternational.org  if you have a podcast idea for ACA Cast.Support the show (http://www.acainternational.org)

In this episode, attorneys Jerry Myers and Caren Enloe discuss the Bona Fide Error Defense under the Fair Debt Collection Practices Act, including what a Bona Fide Error Defense is and how a collector may use it to their advantage. We also outline some of its disadvantages as well.Caren Enloe leads Smith Debnam's Consumer Financial Services Litigation and Compliance group. In her practice, she defends consumer financial service providers and members of the collection industry in state and federal court, as well as in regulatory matters involving a variety of consumer protection laws.  Caren also advises fintech companies, law firms, and collection agencies regarding an array of consumer finance issues. An active writer and speaker, Caren currently serves as chair of the Debt Collection Practices and Bankruptcy subcommittee for the American Bar Association's Consumer Financial Services Committee. She is also a member of the Defense Bar for the National Creditors Bar Association, the North Carolina State Chair for ACA International's Member Attorney Program, and a member of the Bank Counsel Committee of the North Carolina Bankers Association. Most recently, she was elected to the Governing Committee for the Conference on Consumer Finance Law. In 2018, Caren was named one of the “20 Most Powerful Women in Collections” by Collection Advisor, a national trade publication. Caren oversees a blog titled: Consumer Financial Services Litigation and Compliance dedicated to consumer financial services and has been published in a number of publications including the Journal of Taxation and Regulation of Financial Institutions, California State Bar Business Law News, Banking and Financial Services Policy Report and Carolina Banker.  Jerry Myers is Smith Debnam's Managing Partner. He concentrates his practice in the area of creditors' rights, with an emphasis on debt collection, judgment enforcement, and commercial litigation. Jerry served as President of the Commercial Law League of America, an organization of creditors' rights professionals, and is certified in the field of Creditors' Rights Law by the American Board of Certifications. Jerry is an active member of the National Creditors Bar Association, presenting CLE programs and serving on committees. Jerry was also instrumental in forming the North Carolina Creditors' Bar Association, a specialty bar whose members are committed to advocating for the rights of lenders and others in the credit and collections industry.Jerry's practice includes litigation, regulatory compliance, and licensing matters, and general business representation. He has practiced in the creditors' rights field for more than 30 years and has written and lectured extensively on debt collection and judgment enforcement. Jerry has presented CLE programs sponsored by institutions including Wake Forest University School of Law, the North Carolina Bar Foundation, the Commercial Law League of America, and the National Creditors Bar Association.

Have you ever wondered how a hostage negotiator would handle a tough collection or sales call or how they would tell you to negotiate a tough conversation with your significant other? Did you know there is such thing as a negotiations coach?  Listen to this episode of ACA Cast featuring Dan Oblinger and Allan Tsang to find out how these negotiation skills can apply to collections.Oblinger and Tsang specialize in consulting on negotiations and coaching companies in negotiations.They shared their experiences with negotiations across multiple industries and best practices for how to be more focused on developing negotiations as a skill. Contact ACA Cast host, ACA Director of Education Kelli Krueger, at krueger@acainternational.org or Member Services at memberservices@acainternational.org if you have a podcast idea for ACA Cast.Free #NegotiationTribe Q&A Oblinger is the author of two books: “Life or Death Listening” and “The 28 Laws of Listening” and was recently a guest on the Negotiations Ninja podcast.Support the show (http://www.acainternational.org)

This is not the first place you’re going to hear a discussion about the new ruling from the 11th Circuit Court of Appeals on third-party disclosures and letter vendors. But in Hunstein v. Preferred Collection and Management Services, the more you know, the better you feel.  In this episode, Balch and Bingham attorneys Jason Tompkins and Jonathan Hoffmann join ACA’s Director of Education Kelli Krueger to dig into the ruling, its significance for the accounts receivable management (ARM) industry, and next steps for agency owners.    Support the show (http://www.acainternational.org)

The latest episode of ACA Cast features KG Hawes, a technology company that focuses on delivering software and providing IT security services for the financial services, government, and health care markets.Jason Rhodes, business development manager for KG Hawes, and Hayden Reece, data analyst with Hawes Group, reviewed best practices for securing your network of remote employees and preventing cyberattacks.  They also present the latest trends and benefits of speech analytics and technological resources to ensure business continuity. Support the show (http://www.acainternational.org)

In today's episode, attorneys Joseph Davies and Caren Enloe explore the new unpublished opinion from the North Carolina Court of Appeals that confirms the use of judicial liens as leverage by judgment creditors for collecting their judgments. See also: ArticleJoe Davies is a member of the Smith Debnam's construction law group and has an extensive background in lien filings and construction litigation. He represents construction companies and small business owners in lease negotiations and complex litigation matters. His clients include general contractors and subcontractors, as well as property managers, landlords, commercial tenants, equipment rental companies, and building material suppliers.Caren Enloe leads Smith Debnam's consumer financial services litigation and compliance group. In her practice, she defends consumer financial service providers and members of the collection industry in state and federal court, as well as in regulatory matters involving a variety of consumer protection laws.  Caren also advises fintech companies, law firms, and collection agencies regarding an array of consumer finance issues. An active writer and speaker, Caren currently serves as chair of the Debt Collection Practices and Bankruptcy subcommittee for the American Bar Association's Consumer Financial Services Committee. She is also a member of the Defense Bar for the National Creditors Bar Association, the North Carolina State Chair for ACA International's Member Attorney Program, and a member of the Bank Counsel Committee of the North Carolina Bankers Association. Most recently, she was elected to the Governing Committee for the Conference on Consumer Finance Law. In 2018, Caren was named one of the “20 Most Powerful Women in Collections” by Collection Advisor, a national trade publication. Caren oversees a blog titled: Consumer Financial Services Litigation and Compliance dedicated to consumer financial services and has been published in a number of publications including the Journal of Taxation and Regulation of Financial Institutions, California State Bar Business Law News, Banking and Financial Services Policy Report and Carolina Banker.  

QUESTION PRESENTED:Whether either Article III or Federal Rule of Civil Procedure 23 permits a damages class action when the vast majority of the class suffered no actual injury, let alone an injury anything like what the class representative suffered.DateProceedings and Orders (key to color coding)Sep 02 2020 | Petition for a writ of certiorari filed. (Response due October 8, 2020)Sep 30 2020 | Motion to extend the time to file a response from October 8, 2020 to November 6, 2020, submitted to The Clerk.Oct 02 2020 | Motion to extend the time to file a response is granted and the time is extended to and including November 6, 2020.Oct 08 2020 | Brief amicus curiae of Consumer Data Industry Association filed.Oct 08 2020 | Brief amicus curiae of The Chamber of Commerce of the United States of America filed.Nov 06 2020 | Brief of respondent Sergio L. Ramirez in opposition filed.Nov 24 2020 | DISTRIBUTED for Conference of 12/11/2020.Nov 24 2020 | Reply of petitioner TransUnion LLC filed. (Distributed)Dec 16 2020 | Petition GRANTED limited to Question 1 presented by the petition.Dec 23 2020 | Blanket Consent filed by Respondent, Sergio L. RamirezDec 23 2020 | Blanket Consent filed by Petitioner, TransUnion LLCFeb 01 2021 | SET FOR ARGUMENT on Tuesday, March 30, 2021.Feb 01 2021 | Brief of petitioner TransUnion LLC filed.Feb 01 2021 | Joint appendix (Volumes I, II, & III) filed.Feb 04 2021 | Record requested from the U.S.C.A. 9th Circuit.Feb 04 2021 | Record from the U.S.C.A. 9th Circuit is electronic and located on Pacer.Feb 08 2021 | Brief amicus curiae of Retail Litigation Center, Inc. filed.Feb 08 2021 | Brief amicus curiae of Consumer Data Industry Association filed.Feb 08 2021 | Brief amicus curiae of Washington Legal Foundation filed.Feb 08 2021 | Brief amici curiae of eBay Inc., et al. filed.Feb 08 2021 | Brief amici curiae of The Home Depot, Inc. et al. filed.Feb 08 2021 | Brief amici curiae of National Association of Manufacturers, et al. filed.Feb 08 2021 | Brief amicus curiae of Professional Background Screening Association filed.Feb 08 2021 | Brief amici curiae of The Chamber of Commerce of the United States of America, et al. filed.Feb 08 2021 | Brief amicus curiae of National Consumer Reporting Association, Inc. filed.Feb 08 2021 | Brief amicus curiae of The Product Liability Advisory Council, Inc. filed.Feb 08 2021 | Brief amicus curiae of ACA International filed.Feb 08 2021 | Brief amicus curiae of the United States in support of neither party filed.Feb 22 2021 | CIRCULATED.Mar 03 2021 | Brief of Sergio L. Ramirez not accepted for filing. (March 05, 2021)(Dupilicate submission)Mar 03 2021 | Brief of respondent Sergio L. Ramirez filed. (Distributed)Mar 05 2021 | Motion of the Acting Solicitor General for leave to participate in oral argument as amicus curiae and for divided argument filed.Mar 08 2021 | Brief amicus curiae of Electronic Privacy Information Center filed. (Distributed)Mar 09 2021 | Brief amicus curiae of Public Justice filed. (Distributed)Mar 10 2021 | Brief amicus curiae of National Association of Consumer Advocates filed. (Distributed)Mar 10 2021 | Brief amicus curiae of American Association for Justice filed. (Distributed)Mar 10 2021 | Brief amicus curiae of Electronic Frontier Foundation filed. (Distributed)Mar 10 2021 | Brief amici curiae of Legal Scholars filed. (Distributed)Mar 10 2021 | Brief amici curiae of Complex Litigation Law Professors filed. (Distributed)Mar 10 2021 | Brief amici curiae of Impact Fund, NAACP Legal Defense & Educational Fund, Inc., and 24 Civil Rights Organizations filed. (Distributed)Mar 10 2021 | Brief amicus curiae of Constitutional Accountability Center filed. (Distributed)Mar 10 2021 | Brief amicus curiae of Owner-Operator Independent Drivers Association, Inc. filed. (Distributed)Mar 10 2021 | Brief amici curiae of National Consumer Law Center, et al. filed. (Distributed)Mar 10 2021 | Brief amici curiae of Public Citizen and Public Citizen Foundation filed. (Distributed)Mar 10 2021 | Brief amicus curiae of The Committee to Support the Antitrust Laws filed. (Distributed)Mar 10 2021 | Brief amici curiae of UC Berkeley Center for Consumer Law and Economic Justice, et al. filed. (Distributed)Mar 19 2021 | Motion of the Acting Solicitor General for leave to participate in oral argument as amicus curiae and for divided argument GRANTED.Mar 19 2021 | Reply of petitioner TransUnion LLC filed. (Distributed)Mar 30 2021 | Argued. For petitioner: Paul D. Clement, Washington, D. C. For United States, as amicus curiae: Nicole F. Reaves, Assistant to the Solicitor General, Department of Justice, Washington, D. C. For respondent: Samuel Issacharoff, New York, N. Y.★ Support this podcast on Patreon ★

In this episode, Attorney Caren Enloe walks us through the proposed Debt Validation Notice requirements and points out some of the traps that collectors might not catch. And, we discuss why some collectors' policies and procedures may need to change. Hosted by Smith Debnam Managing Partner, Jerry T. Myers. Caren Enloe leads Smith Debnam' s Consumer Financial Services Litigation and Compliance group. In her practice, she defends consumer financial service providers and members of the collection industry in state and federal court, as well as in regulatory matters involving a variety of consumer protection laws.  Caren also advises fintech companies, law firms, and collection agencies regarding an array of consumer finance issues. An active writer and speaker, Caren currently serves as chair of the Debt Collection Practices and Bankruptcy subcommittee for the American Bar Association's Consumer Financial Services Committee. She is also a member of the Defense Bar for the National Creditors Bar Association, the North Carolina State Chair for ACA International's Member Attorney Program, and a member of the Bank Counsel Committee of the North Carolina Bankers Association. Most recently, she was elected to the Governing Committee for the Conference on Consumer Finance Law. In 2018, Caren was named one of the “20 Most Powerful Women in Collections” by Collection Advisor, a national trade publication. Caren oversees a blog titled: Consumer Financial Services Litigation and Compliance dedicated to consumer financial services and has been published in a number of publications including the Journal of Taxation and Regulation of Financial Institutions, California State Bar Business Law News, Banking and Financial Services Policy Report and Carolina Banker. 

On a new episode of ACA Cast, Balch & Bingham attorneys Jason Tompkins and Jonathan Hoffman and ACA Director of Education Kelli Krueger revisit their December 2020 discussion on cases likely to impact the ARM industry following the U.S. Supreme Court’s decision in Facebook v. Duguid.Support the show (http://www.acainternational.org)

On the latest episode of ACA Cast, ACA’s Director of Education Kelli Krueger talks with Matt Campbell and Bobbie Blue from Renkim’s business development team about the company’s history and transformation into an employee-owned business. Support the show (http://www.acainternational.org)

On the latest episode of ACA Cast, ACA International’s Director of Education Kelli Krueger and Nags Odedra, client partner at FICO, discuss the ins and outs of making sure your collection system is future proof. Support the show (http://www.acainternational.org)

On a new episode of ACA Cast, Kirby Miller, sales director for Interactions, discusses conversation AI with ACA International’s Director of Education Kelli Krueger. Support the show (http://www.acainternational.org)

On a new episode of ACA Cast, Solutions by Text Vice President of Compliance and Risk Management Amanda Payton provides a roadmap for texting in a discussion with ACA Director of Education Kelli Krueger.Support the show (http://www.acainternational.org)

On a new episode of ACA Cast, Matt Maloney of FFAM360 Alliance Group of Companies and Shantanu Gangal dive into artificial intelligence and call flows in a discussion with ACA Director of Education Kelli Krueger. Support the show (http://www.acainternational.org)

Tune in to this comprehensive episode of ACA Cast for a recap of the Federal Communications Commission's requirements to implement the TRACED Act as well as its impact on the accounts receivable management industry in the year ahead with Leah Dempsey, ACA's vice president and senior counsel of federal advocacy, and Mark Brennan, partner at Hogan Lovells in Washington, D.C. Support the show (http://www.acainternational.org)

On a new episode of ACA Cast, Balch & Bingham attorneys Jason Tompkins and Jonathan Hoffman dive into pending cases likely to impact the accounts receivable management industry in a discussion with ACA Director of Education Kelli Krueger.Support the show (http://www.acainternational.org)

In this episode, hosts Kelly Smith and Jeff Johnson are joined by guest, Scott Purcell, President of ACA International and Professional Credit Service and Oregon HFMA President Tammie Coon. Scott dives into amazing content to improve and drive recovery of healthcare self-pay balances. He also shares the secret to better engagement with the patients for an improved patient financial engagement. Oregon HFMA Chapter President, Tammie Coon, covers new insights to Oregon House Bill 3076 and insights on the Community Benefit Spending Floor required through the new bill. This episode is packed full of valuable information. A must watch and enjoy episode.

There is a paradigm shift to texting agents on the horizon for the accounts receivable management (ARM) industry, Mike Cantrell, president of Solutions by Text, explains in an interview with ACA International’s Director of Education Kelli Krueger.With that shift comes training and determining what text messaging programs best serve clients and consumers. One thing is clear, in the evolution of technology, change is consistent. Tune in to this episode for an interactive and informative discussion on the evolution of text messaging, how ARM professionals can understand regulations on text communications, fitting text messaging into other communication channels at your agency, two-way text messaging with consumers, and much more. Support the show (http://www.acainternational.org)

Consumers facing hardships have a better chance of resolving them when they communicate with debt collections professionals.The COVID-19 crisis has brought out the best in humanity as individuals, communities and corporations have found creative ways of assisting people feeling the weight of the pandemic. Interestingly, debt collection professionals have always lent a hand in helping consumers facing challenges through various hardship programs and financial options. In this episode of ACA Cast titled, “Answer the Phone so a Debt Collector can Help,” Kim Coghill, vice president of communications at ACA International, interviews Kenlyn Gretz, CEO of Americollect in Manitowoc, Wisconsin, and Scott Hearn, president of Universal Fidelity in Katy, Texas, about financial hardship programs and how the industry works with consumers to successfully resolve debt. Support the show (http://www.acainternational.org)

There’s no question that the COVID-19 crisis has presented many unforeseen challenges and opportunities that could become the “new normal” as we flatten the curve and transition back into the office environment. In this episode of ACA Cast titled, “COVID-19: Working in a New Environment,” Michael Lamm, managing partner at Corporate Advisory Solutions, and Kim Coghill, vice president of communications at ACA International, discuss the impact the crisis has had on the debt collection industry along with tips for working in the post-pandemic world. This riveting podcast is packed with information designed to prepare you for heading back to the office -- or extending your remote work arrangements. Support the show (http://www.acainternational.org)

When Larry Steller, owner and CEO of Quality Asset Recovery LLC, was looking for a new dialer program for his agency, he knew he needed an efficient option that wouldn’t be a cost burden. Being a small business in the industry, those factors were even more important. Steller was able to find help through ACA International’s Alliance ACA Program, which connects members with business resources they need and within a budget that makes sense for small-business owners. Support the show (http://www.acainternational.org)

As ACA International continues to monitor ongoing developments with COVID-19 to keep members in the know about resources for small businesses and licensing and compliance changes, CEO Mark Neeb connected with Jon Goldman, CEO of Turning Point and Brand Launcher, to talk about guiding your business in a time of crisis with positive, actionable steps.Support the show (http://www.acainternational.org)

Mergers and acquisitions are a hot topic in the accounts receivable management industry, making it important to stay in the know on the latest trends and “tricks of the trade,” explain Kaulkin Ginsberg’s President and CEO Mike Ginsberg and Vice President Michael Thomas on this week’s ACA Cast: “Valuation is in the Eye of the Buyer.”Support the show (http://www.acainternational.org)

This week’s episode of ACA Cast features a compliance overview of two cases resulting from consumer claims on medical debt collection.First, Compliance Analysts Andrew Pavlik and Laura Dadd dive into Rhone v. Medical Business Bureau LLC, which resulted in a significant win for the accounts receivable management industry when the 7th Circuit Court of Appeals threw out a lower court’s decision and ruled that the Fair Debt Collection Practices Act does not require multiple debts owed to the same creditor to be aggregated when reported to a consumer reporting agency.In the second case, Alleman v. Collection Professionals, Inc., a consumer claimed a “service fee” of $3 that was added to a medical debt by the debt collector’s online payment processing company violated the FDCPA.Support the show (http://www.acainternational.org)

Learn the latest in how due diligence can go a long way in managing litigation risk from established industry experts on this week’s ACA Cast in conjunction with the upcoming Hot Topic seminar March 5.Porter Heath Morgan IV, general counsel at Morgan Financial Group and partner at Malone Frost Martin PLLC, and Shannon Smith, founder at LitLogic, talk with ACA Cast producer Alex Szeto about practical advice to expect during the seminar, set for 2 to 3 p.m. Central Standard Time March 5.Support the show (http://www.acainternational.org)

On this episode of ACA Cast, host Anne Rosso May, managing editor of Collector magazine, talks with Williams & Fudge Inc. Director of Training Greg Ruffino about all things tax season.Ruffino presents tax season strategies that accounts receivable management industry professionals can use to help consumers pay down their debt. Support the show (http://www.acainternational.org)

On this episode of ACA Cast, host Kim Coghill, vice president of communications for ACA International, leads a discussion with Irene Hoheusle, vice president of collections and education with Account Recovery Specialists in Wichita, Kansas, and Tim Haag, president of State Collection Service in Madison, Wisconsin, on all things health care collections. Hoheusle and Haag revisit trends and explore new issues in health care collections following their 2019 ACA International Fall Forum & Expo presentation on some of the same topics.Support the show (http://www.acainternational.org)

On today’s episode of ACA Cast: Managing Industry Operations in 2020, host Alex Szeto checks in with regular guests Mike Ginsberg, president and CEO of Kaulkin Ginsberg, and John Hannan, the company’s research analyst. Ginsberg and Hannan revisit financial services industry trends to watch this year on the operations side as well as national economic changes in inflation, employment rates and mergers and acquisitions.Support the show (http://www.acainternational.org)

Conferences and trade shows in the accounts receivable management industry are extremely valuable learning and networking opportunities for your company, if you make the most of these events. “One of the questions that keeps coming up from executives and future leaders in the industry is about budgeting and getting ready for which events to go to in 2020,” Lamm said on the latest episode of “Leadership Fuel with Michael Lamm” featured on ACA Cast. Tune in to “Leadership Fuel with Michael Lamm” to hear more about the value of in-person and online learning, especially for industry up-and-comers, and how to use the information learned going forward. Support the show (http://www.acainternational.org)

During the latest episode of ACA Cast, ACA International's Vice President and Senior Counsel, Federal Advocacy, Leah Dempsey, Federal Advocacy Manager Patrick Russell and Lauren Valenzuela, compliance counsel at Performant Recovery Inc., discuss the CFPB’s proposed FDCPA rule and areas that should be improved upon so as not to create arbitrary barriers to moving forward with the use of newer technologies such as email.Support the show (http://www.acainternational.org)

In a new episode of ACA Cast, Leslie Bender, IFCCE, CCCO, chief strategy officer and general counsel for BCA Financial Services, and Debra Ciskey, IFCCE, executive vice president of The Collections Coach LLC, share practical tips on how to create a truly effective call auditing program. They touch on how to build rubrics, structure call calibration sessions, evaluate related data and more.Call audits can give you a lot of critical information about your company, including the competence of your trainers, the quality of the accounts placed with you for collection, and your collectors’ skills and compliance with your performance expectations.Support the show (http://www.acainternational.org)

State legislative bodies are returning to work this week for their 2020 sessions, which during an election year likely means a balance between politics and policies, according to Andrew Madden, ACA International’s vice president of state and government affairs, on the latest episode of ACA Cast: Forecasting State Level Politics in an Election Year. Madden, in discussion with producer Alex Szeto, discusses these topics and more on ACA Cast: Forecasting State Level Politics in an Election Year.Support the show (http://www.acainternational.org)

When consumers have a great experience with your company, do you make a note of it? Kenlyn Gretz, president and CEO of AmeriCollect Inc., does, and he uses that feedback to recognize employees for their good work, train staff and promote his company culture of Ridiculously Nice Collections.AmeriCollect is a health-care-focused accounts receivable management company based in Wisconsin that helps people understand their often-complex medical bills. Anne Rosso May, managing editor of Collector magazine, spoke with Gretz on a recent episode of ACA Cast to learn more about how his company tracks consumer satisfaction levels and uses that information to continually make the company even better.Support the show (http://www.acainternational.org)

ACA International’s Vice President and Senior Counsel of Federal Advocacy Leah Dempsey and Mark Brennan, partner at Hogan Lovells US LLP in Washington, D.C. discuss the ins and outs of the legislation and ACA’s advocacy efforts on a new episode of ACA Cast. Dempsey and Brennan also discuss potential impacts on the industry in the future now that the TRACED Act is a law.Tune in to this comprehensive episode of ACA Cast for a recap of ACA’s advocacy with the TRACED Act, how we got here, and where do we go from here. Support the show (http://www.acainternational.org)

Patrick Russell hopes to be a source of outreach and education for legislators and regulators as part of ACA International’s team headquartered in Washington, D.C.Russell, ACA’s new federal advocacy manager, talked about his role with Communications Specialist Katy Zillmer on the latest episode of ACA Cast.Tune in to learn about Russell’s career, advocacy and plans to help expand ACA’s work with regulators and legislators on behalf of the accounts receivable management industry and members.Russell may be reached by email at russell@acainternational.org and watch for updates on how to work with Russell and ACA’s entire advocacy team during the Washington Insights Fly-In in May 2020 in your email inbox.Support the show (http://www.acainternational.org)

While the impact of litigation on the accounts receivable management industry cannot be underestimated or ignored, sometimes it is extremely difficult to maintain a watchful eye on all of the courts across the country. In an episode of ACA Cast titled, “What We Followed in Court,” ACA International compliance officers Laura Dadd and Andrew Pavlik highlight a few influential rulings handed down in 2019.Tune in to hear important facts about significant cases including Lavallee v. Med-1 Solutions LLC, and the CBE Group Inc. and RGS Financial Inc. v. Lexington Law Firm and Progrexion Inc. To read about the top 10 cases of 2019, check out correspondent Tim Dressen’s article in the December issue Collector magazine. ACA Cast and Collector may be accessed on ACA’s website at www.acainternational.org. Collector is also available in print via U.S. mail.Support the show (http://www.acainternational.org)

Industry veteran Harry Strausser makes a fairly profound statement, that is, “ethical, compliant companies are more productive!” He continues, noting companies that apply proven compliance standards spend their time focusing on running successful businesses rather than working to get out of trouble.Strausser, ACA International’s director of education and membership development, discusses compliance training and company culture with Justin Muscolino, GRC Solutions’ head of compliance and training operations in North America, during a new episode of ACA Cast titled, “Compliance Equals Success.” The two financial services experts share interesting information and insights into developing training strategies that engage and educate staff members. Support the show (http://www.acainternational.org)

The financial services industry has been abuzz since late October when the U.S. Supreme Court announced it would review Seila Law v. Consumer Financial Protection Bureau, a case that challenges the constitutionality of its leadership structure next year. Not only is the Court’s review of the structure the CFPB is monumental, it also marks the first time since the CFPB’s inception that agency leadership and the Department of Justice will not defend the structure of the bureau in litigation.At issue in the Supreme Court is whether the provision of the law allowing the president to remove the agency's director only for cause violates the constitutional separation of powers.If you are scratching your head wondering what this means, join Kari Barber, ACA’s former corporate counsel, along with Jessica Klander, shareholder with Bassford Remele in Minneapolis, for an enlightening discussion in the latest episode of ACA Cast titled, “Legal Review: Understanding the Challenge to the Constitutionality of CFPB’s Leadership Structure.” Support the show (http://www.acainternational.org)

Effectively managing and developing staff can be among the most rewarding, yet challenging responsibilities faced by a leader. And, it’s twice as hard if the leader runs a small company focused on compliance, generating new business – and keeping the lights on. To help sift through some of these issues, ACA International asked Michael Lamm, managing partner at Corporate Advisory Solutions, to talk about tactics, strategies and solutions to developing staff in the latest episode of ACA Cast’s Leadership Fuel with Michael Lamm, titled “Developing Rock Stars.” Tune in today to hear Lamm, along with ACA’s Kim Coghill, vice president of communications, and Alex Szeto, ACA Cast producer, chat about problem solving, identifying weaknesses and strengths, and face-to-face discussions with employees.Support the show (http://www.acainternational.org)

The text of the Fair Debt Collection Practices Act and a breakdown of its compliance requirements are at your fingertips in the comprehensive, revised guide from ACA International.ACA’s compliance team, including Corporate Counsel Kari Barber and Compliance Analysts Laura Dadd and Andrew Pavlik, discussed the new guide in a recent episode of ACA Cast. You can also learn more about the guide from staff in the Expo Hall at the upcoming 2019 Fall Forum & Expo, Nov. 6-8 in Chicago.Support the show (http://www.acainternational.org)

The most basic information related to the accounts receivable management industry is easy and obvious to professionals on the inside, but what about everyone else? To tackle this educational and information sharing challenge, ACA International asked Jessica Hearn, the chief financial officer and compliance director with Universal Fidelity in Katy, Texas, to discuss some of the key facts consumers should understand when they connect with a debt collection professional.ACA International encourages members and others to consider posting the latest episode of ACA Cast titled, “Why is a Debt Collector Calling Me?” on their websites and social media accounts. In the five-minute podcast Hearn provides succinct answers to questions like— “what is a debt collector?” and “why is he/she calling me?”Support the show (http://www.acainternational.org)

ACA International’s Minneapolis-based compliance department is the backbone of the association and will become increasing important next year when the Consumer Financial Protection Bureau’s final rule updating the Fair Debt Collection Practices Act is released.The third episode of “ACA Cast: Getting to Know the ACA Compliance Department,” features Compliance Analyst Laura Dadd, who is interviewed by ACA attorney member Shaun Ertischek, associate general counsel for TRAKAmerica in Bonita Springs, Fla. Support the show (http://www.acainternational.org)

ACA International celebrated a huge win in September when the House Financial Services Committee agreed to allow two ACA representatives to testify on a debt collections panel. Testifying before the U.S. House or Senate is an exclusive honor reserved for leaders who have the knowledge and expertise to engage with lawmakers while providing accurate information. This riveting episode of ACA Cast titled, “Testifying on Your Behalf,” features Leah Dempsey, ACA’s vice president and senior counsel, who will moderate a discussion between John Bedard, owner of the Bedard Law Group in Atlanta, and Sarah Auchterlonie, an ACA consultant and shareholder at Brownstein Hyatt Farber Schreck in Denver, about their experience testifying before the committee chaired by U.S. Rep. Maxine Waters, D-CalifSupport the show (http://www.acainternational.org)

ACA International’s Minneapolis-based compliance department is the backbone of the association and will become increasing important next year when the Consumer Financial Protection Bureau’s final rule updating the Fair Debt Collection Practices Act is released.The second episode of “ACA Cast: Getting to Know the ACA Compliance Department,” features Compliance Analyst Andrew Pavlik, who is interviewed by industry expert Monica Littman, associate at Fineman Krekstein & Harris P.C. in Philadelphia.Support the show (http://www.acainternational.org)

ACA International’s Minneapolis-based compliance department is the backbone of the association and will become increasing important next year when the Consumer Financial Protection Bureau’s final rule updating the Fair Debt Collection Practices Act is released. Headed by Corporate Counsel Kari Barber, this team of industry veterans will help you understand nuances of the CFPB’s final rule or other state and federal regulatory policy issues so that you can avoid spending your time interpreting dense, confusing language.The first episode of “ACA Cast: Getting to Know the ACA Compliance Department,” features Barber, who is interviewed by well-known industry leader Wendy Badger, chief compliance officer, vice president, and corporate compliance at ECMC, in Minneapolis.Support the show (http://www.acainternational.org)

ACA International's Members Attorney Program Committee member Leslie Bender, IFCCE, CCCO, CIPP/US, chief strategy officer and general counsel with BCA Financial Services Inc., along with Eric Troutman, partner, and Daniel Delnero, senior attorney, at Squire Patton Boggs, discuss recent Telephone Consumer Protection Act (TCPA) developments and the current TCPA landscape in general. Support the show (http://www.acainternational.org)

Social media, the internet and countless complaint portals have made it easy for consumers to quickly voice their displeasure with anything and everything from the weather to political candidates to the accounts receivable management industry. Anyone who runs a successful business knows that if companies don’t tell their own story, someone else will do it for them. As a follow up to the highly successful session, “Managing Your Brand,” featured at the 2019 Convention & Expo in San Diego, ACA International staff invited panelists to continue the engaging conversation in an ACA Cast episode available now. Panelists Wendy Badger, Esq., CCEP, chief compliance officer with ECMC Group; Teri Plunkett, regional director of client services with Professional Finance Company; and David Williams, president of Williams & Fudge, join moderator Debra Ciskey, IFCCE, executive vice president with Collections Coach LLC, in this riveting 30-minute discussion about online reputation management.This topic is also covered in the October 2019 issue of Collector magazine in a piece written by communications consultant Tim Dressen. The article titled, “Information Transformation,” begins on page 24.Support the show (http://www.acainternational.org)

Unemployment is at an all-time low—but is that enough to sustain a healthy economy? Grab your crystal ball and join ACA for quick look into the future!Headlines predicting an impending recession have recently increased in frequency as some economic indicators point to a potential slowdown. While it’s certainly no secret that the Federal Reserve cut interest rates, an inverted yield curve recently appeared and Brexit is stalled, these indicators are not necessarily foreshadowing doom. Remember, the unemployment rate is at an all-time low dipping to 3.7% in July, not to mention other data reveal a positive outlook signaling the economy will continue to grow.In this episode of ACA Cast titled, “The Economy: Preparing for What’s Around the Corner,” Kaulkin Ginsberg’s Jared Lese, director of research, and John Hannan, market research analyst, engage in an interesting conversation about state of the economy and what consumers can expect.Support the show (http://www.acainternational.org)

Technology and the accounts receivable management industry go together, but it takes fine tuning to make sure embracing new systems helps your bottom line and your staff to effectively communicate with consumers. Using artificial intelligence, machine learning and virtual agents at your company does mean investing money up front, however there is a return on that investment and significant benefit to employees, explains Gordon Beck, president and COO of Valor Intelligent Processing LLC in Jacksonville, Florida.In this episode of ACA Cast titled “Utilizing Technology to Scale Back Non-Revenue Related Overhead,” Beck talks with ACA International’s Education and Membership Development Director Harry Strausser III, IFCCE, MCE, about the first steps in implementing technology systems, finding the right product and using those products to strengthen your team and communication with consumers.Support the show (http://www.acainternational.org)

Call baiting is a tricky technique used by consumers, their attorneys or other nefarious organizations to entrap accounts receivable management professionals who work diligently to follow the letter of the law. Think about it—as an ARM professional, have you ever spoken with a debtor who was reading from a script, talking on a speaker phone or perhaps being coached by a third party? If so, you may have been chatting with a call baiter.In this episode of ACA Cast titled “Call Baiting: Don’t Get Hooked,” John Bedard, owner of the Bedard Law Group in Atlanta, and Greg Ruffino, director of training at Williams and Fudge in Rock Hill, South Carolina, offer sound advice and tips on recognizing and dealing with call baiters. This informative episode is a follow-up to Ruffino’s well-attended session on call baiting featured at ACA International’s 2019 Convention & Expo in San Diego. Support the show (http://www.acainternational.org)

Historically, West Virginia has been known for its draconian collection laws. But since 2015, an unsuspecting litigation trend has surfaced. Industry leaders have recognized an increase in class action filings in West Virginia and two of those leaders want to tell ACA Members why. What once was a predicable award for damages pursuant to an individual cause of action under the West Virginia Consumer and Credit Protection Act has morphed into a potential catastrophic class action payout. Jeff Turner, partner at the law firm of Surdyk, Dowd & Turner in Ohio and Nick Mooney, Partner at the law firm of Spilman, Thomas, and Battle in its Charleston, West Virginia office, discuss why consumer attorneys prefer to file class actions in the state of West Virginia instead of filing in federal court pursuant to the Fair Debt Collection Practices Act in the latest episode of ACA Cast titled, “Litigation Landscape in West Virginia: What Debt Collectors should know about the 2015 Amendments to the Consumer and Credit Protection Act”. Support the show (http://www.acainternational.org)

Great ideas are not exclusive to the boardroom! Effective leaders understand that all staffers can contribute worthy thoughts to the “idea box.” Effective leaders recognize that revolutionary ideas are just as likely to emerge from a junior staffer sitting in a cubicle as they are from a seasoned executive leading a board meeting. The big challenge is encouraging staff members – regardless of position and experience – to feel comfortable sharing their thoughts. This is a timeless hurdle faced by many leaders who seek to create a healthy work environment that promotes thoughtful discussions resulting in growth and improvement.In the latest episode of ACA Cast titled, “Leadership Fuel with Michael Lamm: Idea Engagement,” Kim Coghill, ACA’s vice president of communications, and Alex Szeto, the ACA Cast producer, talk with Michael Lamm about new and thoughtful approaches to encouraging staff to share ideas. Lamm, the managing partner at Corporate Advisory Solutions in Philadelphia, is featured in a regular ACA Cast series titled, “Leadership Fuel with Michael Lamm.” Support the show (http://www.acainternational.org)

Accounts receivable management industry companies that suffered and survived the Great Recession have unlimited opportunities to secure new business and grow beyond pre-recession levels. Consider this, in the 10 years since the recession, sector net charge-offs have amounted to more than $54 billion across the commercial banking, fintech and credit union marketplaces, said Jared Lese, the director of research at Kaulkin Ginsberg, who also noted that these defaults included credit cards, private student loans and various personal and business loans. Thus, third party debt collectors seeking to expand their businesses have more than one option, that is, if they are willing to dig deep into a burgeoning asset class.Spend 15 minutes today listening to Lese and Mike Ginsberg, president and CEO of Kaulkin Ginsberg, discuss business trends in the latest episode of ACA Cast titled, “Growth Market: The Re-Emergence of Financial Services.” Support the show (http://www.acainternational.org)

Economic conditions are strong, unemployment continues to decline, banks are selling, and fintech is an emerging market. When you combine these facts, it becomes crystal clear that the window is wide open to expand your business by purchasing a debt portfolio.The latest episode of ACA Cast titled, “Debt Buying: Mistakes to Avoid,” features a discussion between industry veteran Mike Ginsberg, an ACA member who is the president and CEO of Kaulkin Ginsberg, and Mike Chiodo, managing member of AMG Funding.Support the show (http://www.acainternational.org)

While attending ACA events in person provides professionals with the greatest opportunity to network and learn, the association recognizes that some ARM professionals find it difficult to leave the office for a few days. So, to connect with a wider audience this year, ACA International is launching its first-ever, free live stream series from the 2019 Convention & Expo in San Diego. In this episode of ACA Cast titled, “Live, From San Diego: Four Sessions in One Day,” industry veterans Harry Strausser III, ACA’s education and membership director, along with Wendy Badger, vice president, corporate compliance and chief compliance officer with ECMC Group in Minneapolis, provide a brief outline of the four sessions offsite ARM professionals can log in to from their home, office – or the local coffee shop. You may not be in San Diego, but ACA wants to make sure you are exposed to some of same important information, trends and updates your peers are learning about while attending the 2019 Convention & Expo. Registration for the live stream sessions is open until Monday, July 15. #ACAConv19.Support the show (http://www.acainternational.org)

Top ARM professionals provide analyses and insights into the finer points of the proposed rule.While the Consumer Financial Protection Bureau’s long-awaited proposed rule concerning the debt collection industry was issued two months ago, there’s still time to impact the final form by submitting comments to the bureau. To help its members understand the finer points of the rule, ACA International launched a first-class education program highlighted by webinars, presentations and numerous news articles and letters. Nevertheless, there’s more to come.In the latest episode of ACA Cast titled, “The CFPB’s Proposed Rule: Peeling Back the Layers,” Jack Brown III, an attorney and president of Gulf Coast Collection Bureau, leads an informative panel discussion outlining important highlights of the proposed rule. Featured panelists include Eileen Bitterman, a compliance officer and shareholder with Weltman, Weinberg & Reis, and Tim Collins, the chief compliance officer with TrueAccord.Support the show (http://www.acainternational.org)

In the latest episode of “Leadership Fuel with Michael Lamm,” ACA International staffers Kim Coghill and Alex Szeto engage in an informative dialogue with Michael Lamm, who outlines tips and benefits related to mentoring and coaching accounts receivable management industry professionals. “Our industry is unique,” Lamm said, noting employees need specific skills, training and constructive feedback to appropriately perform. “Having people in an organization who are willing to not only offer up advice, but to take an employee under their wing for guidance makes a tremendous difference in creating an environment where staff succeeds and isn’t lost to attrition.”“Leadership Fuel with Michael Lamm” is a regular ACA Cast series led by Michael Lamm, the managing partner at Corporate Advisory Solutions in Philadelphia.Support the show (http://www.acainternational.org)

Financial losses associated with identity theft seem to expand each year despite the safeguards and ongoing educational information published by government, financial and consumer groups. In this episode of ACA Cast titled, “Identity Theft: Don’t Fall Victim to the Threat,” Jessica Hearn, CFO and compliance director with Universal Fidelity in Katy, Texas, provides thoughtful insights on securing personal information and communicating with debt collectors about potential fraud. Hearn notes that professional debt collectors are trained to understand and manage cases where fraud may have occurred. “Collection agencies are here to rectify outstanding balances and they do not want to collect on fraudulent balances," Hearn said. "This doesn’t benefit the consumer or the client. The consumer trying to rectify identify theft should provide this information to the collection agency so that their accounts are flagged and handled properly.” She also mentioned that collection agencies will ask consumers to provide a police report or Federal Trade Commission identity theft document to attach to the account.Support the show (http://www.acainternational.org)

From one expert to another. This episode of ACA Cast titled “Compliance Education: Knowledge is Power,” features two well-known industry veterans who engage in an informative discussion about ACA’s education offerings including professional certifications.Listen to Harry Strausser III, ACA’s director of education and membership development, discuss compliance, training and ACA’s cutting-edge delivery mechanisms with John Bedard, an attorney with the Bedard Law Group in the Atlanta area. Strausser and Bedard are highly-trained certified instructors who have volunteered countless hours working to educate and train collections professionals so that they can thrive in the industry.Support the show (http://www.acainternational.org)

Management experts agree that workplace conflict is a natural, unavoidable occurrence that surfaces in every office and in every relationship. Of course, the key is to identify conflict and appropriately manage it so that everyone involved has a voice and learns something positive. In the latest episode of ACA Cast titled “Leadership Fuel with Michael Lamm: Managing Conflicts,” listeners will hear tips and strategies for working through office conflicts by creating an environment that encourages and promotes open communications and accepts instructive criticism. Michael Lamm, managing partner at Corporate Advisory Solutions and the featured speaker on an ACA Cast monthly episode, shares his insights based upon his successful career working with ARM professionals at the most junior and senior levels of employment.Aside from creating an office that encourages honest feedback among employees, Lamm strongly urges listeners to avoid seeking to resolve conflict via email or other forms of electronic communications. “If you have a problem, it is always better to handle it face-to-face versus using email because email can be interpreted in in so many different ways…and it can lead to the problem reoccurring or getting worse,” Lamm said. “Leadership Fuel with Michael Lamm” is a regular ACA Cast series.Support the show (http://www.acainternational.org)

In this episode of ACA Cast: Advocacy in Action, Rae Ann Bevington, ACA’s vice president of congressional and political affairs, discusses the advantages of participating in the ACA International’s Washington Insights Fly-In with former board president Jay Gonsalves, owner of Action Collection Agencies Inc., in the Boston area; and board member David Williams, president of Williams and Fudge in Rock Hill, S.C. Support the show (http://www.acainternational.org)

Getting involved in state advocacy efforts is as easy as picking up the phone and calling your representative. Don’t let another legislative session slip by without meeting key figures in your capitol.ACA International’s Andy Madden, vice president of state and government affairs, engages in a lively discussion with industry leader Anita Manghisi regarding selected state legislation and the value of participating in grassroots efforts to favorably impact policy. Manghisi, a prominent figure in the ARM industry, won a seat on ACA International’s Board of Directors last June after serving as president of the New York State Collectors Association from 2014-2017. She owns Independent Recovery Resources Inc., in Patchogue, N.Y. Support the show (http://www.acainternational.org)

Leo Stawiarski The Comeback Kid on Capital Club Radio Join Michael Flock of FLOCK Specialty Finance as he interviews Leo Stawiarski, Jr., a lawyer and veteran entrepreneur with over 35 years of experience in providing both legal and non-legal services to the accounts receivable management industry. He discusses how perseverance, hard work, stress management and diversification were key to his comebacks. In this podcast, Leo tells how he survived the S&L crisis in 1989 and financial crisis of 2008. Leo is currently President and CEO of LCS Financial Services Corporation and LCS Capital, LLC which are in Centennial, CO. LCS Financial Services focuses on nationwide collection and recovery services with the added benefit of his nationwide network of collection attorneys that he built when he started Codilis & Stawiarski, P.C. in 1988. LCS Capital is a debt acquisition company that purchases and sells charged-off receivables over multiple asset classes. Leo earned a JD degree from the John Marshall Law School in Chicago. He currently serves as a member of ACA International, Receivables Management Association International, The Mortgage Bankers Association, National Creditors Bar Association, The American Bankruptcy Institute and is a licensed attorney in Colorado, Florida, Illinois and Texas. Here is a glimpse of what Leo shared in the interview: “…Yes, I didn't quit. I don't know; I guess one of my traits is just, I persevere. I really had a meager upbringing with my dad, and we worked awfully hard and he taught me really to persevere.” “…In my entire career, up to a few years ago, I was in mortgages and after the crisis it's become apparent that you have to diversify. Companies now have to diversify. It's not like the old days where you can just do one thing.” Capital Club Radio Hosted by: Michael Flock Sponsored by: Flock Specialty Finance Providing a forum for leaders in the middle market segment which has typically been undeserved by traditional banking. Listeners gain valuable business insights and perspectives to deal with market uncertainty. Topics include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business. For more info about Michael Flock and Flock Specialty Finance visit: http://www.FlockFinance.com To listen to more episodes visit: http://www.CapitalClubRadio.com To nominate or submit a guest request visit: https://www.OnAirGuest.com To view more photos visit: http://www.ProBusinessPictures.com ‹ › × × Previous Next jQuery(function() { // Set blueimp gallery options jQuery.extend(blueimp.Gallery.prototype.options, { useBootstrapModal: false, hidePageScrollbars: false }); });

Despite the valuable economic contributions made each day by accounts receivable management professionals, the industry remains one of the most misunderstood, heavily regulated business sectors in the United States. As an employee or business owner associated with the industry, you can help reshape the narrative by actively engaging your community leaders with accurate information about this important business sector.In this episode of “Leadership Fuel with Michael Lamm,” listeners will hear tips on becoming an active member of your community known for educating consumers, lawmakers and others about the value of the industry. “Leadership Fuel with Michael Lamm” is a regular ACA Cast series featuring Michael Lamm, the managing partner at Corporate Advisory Solutions in Philadelphia. Support the show (http://www.acainternational.org)

The ACA International v. FCC decision handed down by the D.C. Circuit Court was a major step forward in launching TCPA reform support from Congress while forcing the FCC to consider its previous actions. Courts have ruled differently on this issue, at times even ignoring the D.C. Circuit, confirming ACA’s position that the accounts receivable management industry is ripe for frivolous, unnecessary litigation and TCPA reform from the FCC is essential. In this riveting episode of ACA Cast, Rick Perr, an ACA Board Member and partner with Fineman Krekstein & Harris, PC in Philadelphia, and David Kaminski, a partner and chair of the financial services and class action group, Carlson & Messer LLP, Los Angeles, engage in a lively and informative discussion about the case and its impact on business. Support the show (http://www.acainternational.org)

Confusion and a lack of understanding associated with health insurance coverage can leave the most financially responsible patient with a surprise bill in the mailbox. That’s why accounts receivable management employees who work in this space need special training and the appropriate level of empathy to work with consumers who may be sick, recovering from surgery or unaccustomed to unpaid bills. In this episode of ACA Cast titled “Planning for the Unplanned: The Soft Touch to Healthcare Collections,” ACA’s Education and Membership Director Harry Strausser III engages in a lively discussion on this topic with Irene Hoheusle, Vice President of Collections and Education at Account Recovery Specialists Inc. in Wichita, Kan. Support the show (http://www.acainternational.org)

This highly-informative episode of ACA Cast features Michael Lamm, the managing partner at Corporate Advisory Solutions, who discusses “Tech Transformation” and how leaders need to be focused on the ways these transformations will impact their businesses and the industry overall. Lamm encourages listeners to anticipate shifts in communications by understanding consumers, engaging in ongoing education opportunities and networking with professionals. Support the show (http://www.acainternational.org)

In this episode of ACA Cast, Scott Weltman, managing shareholder at Weltman, Weinberg & Reis, recounts his experience testifying before the House Financial Services Committee about the lawsuit filed against his firm by the Consumer Financial Protection Bureau. ACA International CEO Mark Neeb interviews Scott Weltman, and his father, Bob Weltman, senior shareholder at the firm, in this riveting episode of ACA Cast. Support the show (http://www.acainternational.org)

So, what exactly are your rights when a debt collector contacts you? Jessica Hearn, CFO/Compliance Director of Universal Fidelity, LP, provides consumer tips for responding to a debt collection call, and offers a brief explanation about important guidelines specified under the Fair Debt Collection Practices Act.Support the show (http://www.acainternational.org)

ARM industry veterans Mike Ginsberg, president and CEO of Kaulkin Ginsberg, and Randy Kamm, founder and principal of Collection Quotient Consulting, are featured speakers in this episode of ACA Cast, which focuses on working with the federal government to secure debt collection contracts. As part of this discussion, Ginsberg and Kamm share important intelligence related to the federal government’s “request for proposals” process and how businesses – especially small businesses—can improve their chances of winning a contract.Support the show (http://www.acainternational.org)

Anne Rosso May, managing editor of Collector magazine, talks with ACA International members Debra Ciskey, compliance officer for Wakefield and Associates, and Christian Lehr, chief operating officer for Healthcare Collections, about how they use “gamification” products to train their employees.Support the show (http://www.acainternational.org)

In this episode of ACA Cast, Leah Dempsey, ACA’s vice president and senior counsel of federal advocacy, leads a discussion about the CFPB’s highly-anticipated rulemaking related to the Fair Debt Collection Practices Act of 1977. Dempsey’s guests are former ACA International Board President Leslie Bender, IFCCE, the chief strategy officer and general counsel with BCA Financial Services in Miami, and Stefanie Jackman, a partner with Ballard Spahr. Support the show (http://www.acainternational.org)

In the first episode, Michael Lamm, managing partner at Corporate Advisory Solutions LLC, discusses creating a positive, transparent work environment that inspires employees to achieve greatness.Support the show (http://www.acainternational.org)

On this episode of ACA Cast, Cortney Fleming, the chief personnel officer at Wilber and Associates, and Harry Strausser III, a well-known industry veteran who currently serves as ACA’s education and membership development director, discuss personnel-related issues including unique ways of finding top talent beyond posting an online advertisement.Support the show (http://www.acainternational.org)

The Bureau of Consumer Financial Protection has a new leader with a five-year contract! Kathy Kraninger – the recently confirmed BCFP director – is expected to face many tough decisions in the next few years, including some that could impact your ability to effectively operate an accounts receivable management industry company.In episode seven of ACA Cast, industry veteran Jay Gonsalves moderates an informative discussion about the new leadership with ARM experts Lauren Valenzuela, compliance counsel at Performant Recovery Inc., and Anthony DiResta, partner with Holland and Knight. Gonsalves, IFCCE, MCE, president of Action Collection Agencies Inc., in Middleboro, Mass., also serves as chairman of ACA International’s federal affairs committee and is a former ACA president and board member. Support the show (http://www.acainternational.org)

Episode 6 of ACA Cast features a discussion on the U.S. Senate’s TRACED Act (Telephone Robocall Abuse Criminal Enforcement and Deterrence Act), along with other topics and issues related to the 116th Congress.Podcast host Leah Dempsey, ACA International’s vice president and senior counsel of federal advocacy, interviews leading attorneys Rick Perr and JoAnn Needleman about the upcoming Congress and how potential legislation may impact the accounts receivable management industry. Perr, an ACA International board member, is a partner with Fineman Krekstein and Harris PC; and Needleman is Member and Leader of the Consumer Financial Services Regulatory and Compliance Group at Clark Hill PLC.Support the show (http://www.acainternational.org)

On this episode of ACA Cast, join Leah Dempsey, ACA’s vice president and senior counsel, federal advocacy and host Kim Coghill as they look ahead to what the new political landscape might mean for the accounts receivable management industry and the prospects of TCPA reform with the changes in leadership on Capitol Hill. Support the show (http://www.acainternational.org)

The balance of power has shifted on Capitol Hill. Host Kim Coghill interviews Rae Ann Bevington, ACA's vice president of congressional and political affairs, about key federal elections and what is in store for the 116th Congress once the dust of the election season has settled.Support the show (http://www.acainternational.org)

The voters have spoken! Host Kim Coghill interviews Andy Madden, ACA's vice president of government and state affairs, about key state elections and what they mean to the accounts receivable management industry. Support the show (http://www.acainternational.org)

The stakes are high, but the anticipation is higher! The midterm elections are days away and political watchers are anxiously awaiting the minute when the polls close and the votes begin to roll in. Host Kim Coghill previews key congressional races and the potential impact on relevant regulatory issues with Rae Ann Bevington, ACA's vice president of congressional and political affairs, and Leah Dempsey, ACA’s vice president and senior counsel, federal advocacy. Support the show (http://www.acainternational.org)

There's an extremely important midterm election coming up that could change the political landscape. Host Kim Coghill interviews ACA's VP of Gov't State Affairs Andy Madden to discuss state elections in the final week before the election and the potential impact to the accounts receivable management industry. Support the show (http://www.acainternational.org)

“Inside the TCPA” offers a deeper focus on TCPA issues and petitions pending before the FCC. Each episode will tackle a single TCPA topic or petition that is in the news or affecting cases around the country. In this episode, partner Steve Augustino and associate Jenny Wainwright discuss the consent issues before the FCC in the agency’s remand proceeding after the 2018 D.C. Circuit decision in ACA International. In addition, Steve and Jenny examine three other petitions pending before the agency that could be resolved with the remand proceeding.

Kelley Drye introduces a new Full Spectrum series, “Inside the TCPA,” which will offer a deeper focus on TCPA issues and petitions pending before the FCC. Each episode will tackle a single TCPA topic or petition that is in the news or affecting cases around the country. In this inaugural episode, partner Steve Augustino and associate Jenny Wainwright discuss the definition of an autodialer or ATDS. This episode addresses the 2018 D.C. Circuit decision in ACA International and the FCC’s new proceeding to examine the definition. With initial comments having been filed on June 13th, Steve and Jenny analyze the principal arguments made by commenters and discuss whether Congress will weigh in on the matter. Future episodes of “Inside the TCPA” will tackle reassigned numbers, consent, and other topics raised before the FCC. This is a companion to Kelley Drye’s comprehensive list of petitions before the Commission available in our monthly TCPA Tracker newsletter. Please contact us if we can assist you with any of the FCC proceedings.

Virginia Beach announced plans this month for a third subsea cable which could bring 200 high tech jobs to the city. We'll talk to councilman Ben Davenport, a leading proponent for subsea cables, about what this means for the city. We'll also talk to Joel Ogren, CEO of ACA International, the company that plans on creating these tech industry jobs. And later we'll take a look at the economic forecast for the region with ODU economics professor Bob McNab. Join us by calling 440-2665 or 1-800-940-2240.

 :arrow: :arrow: Mike Ginsberg from Intern to Icon Interview at RMA Conference on Capital Club Radio Michael Ginsberg, President and CEO Kaulkin Ginsberg Mike Ginsberg is the president and CEO of Kaulkin Ginsberg, offering M&A and strategic advisory expertise to the accounts receivable management (ARM) industry for over 25 years, and KG Prime, offering market intelligence for ARM professionals on client industries, economic- and industry-specific trends. He is also co-founder of Topline Valuation Group, providing ARM owners and executives with authoritative technical, financial and benchmarking services designed to improve decisions at the corporate and operational levels. Mike is a member of ACA International, RMA International and the Association for Corporate Growth.  He sits on the advisory boards of several industry associations and publications. He is a frequent speaker on important industry issues and is often interviewed as an industry expert by the trade, financial and consumer media. Mike has been the recipient of numerous industry awards, including the NARCA Don Kramer Award and Collection Advisor's award as one of the industry's most influential professionals four years in a row. https://www.linkedin.com/in/mikeginsberg http://www.kaulkin.com Capital Club Radio Hosted by: Michael Flock Sponsored by: Flock Specialty Finance Providing a forum for leaders in the middle market segment which has typically been undeserved by traditional banking. Listeners gain valuable business insights and perspectives to deal with market uncertainty. Topics include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business. For more info about Michael Flock and Flock Specialty Finance visit: www.FlockFinance.com To nominate or submit a guest request visit: www.CapitalClubRadioShow.com To view more photos from this show visit: www.ProBusinessPictures.com See Photos from the Show Below the Show Transcript 00:04 Opening:  Broadcasting Live from the 2018 RMA International Conference at the Aria Resort in Las Vegas.  It's time now for a special episode of Capital Club Radio. Broadcasting on the Pro Business Channel and across 16 Syndication Networks.  This show made possible in part by, Flock Specialty Finance. For more info, visit flockfinance.com  And now, here's your host, Chairman and CEO of Flock Specialty Finance, Michael Flock. 00:30 Michael Flock: Thank you and good afternoon. We are absolutely delighted and honored today to have one of the icons of the accounts receivable managements industry on Capital Club Radio: Mike Ginsberg, CEO of Kaulkin Ginsberg. Now I've known Mike for, gosh, I think it's now almost 20 years since we first met when I was running the Dun & Bradstreet's receivables management company, and he's got a terrific history. And he started with partnering with Marv Kaulkin. He founded one of the, probably the leading at the time, M&A advisory firms in this industry. I can't keep track of all the different tombstones. You've got dozens and dozens of these tombstones. So he was really the first real leader, I think, in M&A deals in this sector. Later, he and Marv founded insideARM in 2000. Mike is also founder of KG Prime, which provides market intelligence for ARM professionals. He's also a co-founder of Topline Valuation Group, which provides ARM executives with technical, financial, and benchmarking services to improve their decision-making. Mike is also a member of ACA, DBA, now RMA, where we are here today in Las Vegas, and as a recognized authority on important industry issues. He's a sought after public speaker and recipient of many industry awards, including the NARCA Don Kramer Award and Collection Advisor's Award. Welcome, Mike, and thank you for being here. 01:57 Mike Ginsberg: Well, thank you for having me. This is indeed an honor. Mike,

Capital Club Radio - Interview with John Bedard, Credit and Collection Industry Advisor John Bedard Bedard Law Group, P.C. John is an AV rated attorney and nationally recognized authority on the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. He serves as counsel to several professional trade associations, including the Georgia Collectors Association. John is a published writer on industry topics and a former member of the Board of Directors of the industry's leading professional trade organization, ACA International, The Association of Credit and Collection Professionals. John is recognized by Collection Advisor magazine as one of the nation's top 50 most influential people in the collection industry. He serves as the State of Georgia Compliance Chairperson for ACA International and is a former Chairperson and Program Designation award recipient of ACA International's Members Attorney Program. John is a nationally recognized speaker and travels the country training collectors and educating industry associations, clients, and vendors who provide products and services to the industry. John is licensed to practice law only in Georgia. John received a Bachelor of Science degree in Economics from the Pennsylvania State University and a Juris Doctor degree from Syracuse University College of Law. He has spent his entire career serving the credit and collection industries. List Any Topics You Would Like to Discuss: Discussed over lunch with Michael Flock Web Site / Social Media Links: www.BedardLawGroup.com www.linkedin.com/in/john-h-bedard-jr-17b40116 Capital Club Radio Hosted by: Michael Flock Sponsored by: Flock Specialty Finance Providing a forum for leaders in the middle market segment which has typically been undeserved by traditional banking. Listeners gain valuable business insights and perspectives to deal with market uncertainty. Topics include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business. For more info about Michael Flock and Flock Specialty Finance visit: www.FlockFinance.com To nominate or submit a guest request visit: www.CapitalClubRadioShow.com To view more photos from this show visit: www.ProBusinessPictures.com ‹ › × × Previous Next jQuery(function() { // Set blueimp gallery options jQuery.extend(blueimp.Gallery.prototype.options, { useBootstrapModal: false, hidePageScrollbars: false }); });

 Sponsor American Negotiators Congress is considering legislation -- the Medical Debt Responsibility Act -- that would require credit agencies to delete paid-off medical debt from credit reports within 45 days. The bill has bipartisan support in the House, said co-sponsor U.S. Rep. Heath Shuler, a North Carolina Democrat. Shuler said the health care industry sends delinquent bills to debt collectors quicker than any other industry.. Debt collectors support the legislation in the House, according to ACA International, a trade association. A key foe of an earlier bill was another group representing the nation's credit bureaus. The Consumer Data Industry Association, which hasn't taken a position on the revised bill, said that lenders need to see a consumer's patterns of behavior over time and even paid-off medical debt is relevant to whether the consumer is a good risk.. http://abclocal.go.com/ktrk/story?section=news%2Fnational_world&id=8568183

 Sponsor American Negotiators Congress is considering legislation -- the Medical Debt Responsibility Act -- that would require credit agencies to delete paid-off medical debt from credit reports within 45 days. The bill has bipartisan support in the House, said co-sponsor U.S. Rep. Heath Shuler, a North Carolina Democrat. Shuler said the health care industry sends delinquent bills to debt collectors quicker than any other industry.. Debt collectors support the legislation in the House, according to ACA International, a trade association. A key foe of an earlier bill was another group representing the nation's credit bureaus. The Consumer Data Industry Association, which hasn't taken a position on the revised bill, said that lenders need to see a consumer's patterns of behavior over time and even paid-off medical debt is relevant to whether the consumer is a good risk.. http://abclocal.go.com/ktrk/story?section=news%2Fnational_world&id=8568183