OMG! A Counterclaim`s Been Filed

Published by the International
March/April 2014 Vol. 46, No. 4
Association of Commercial Collectors, Inc.
http://www.commercialcollector.com
OMG! A Counterclaim’s Been Filed
By Stanley M. Hammerman, Esq., Hammerman & Hultgren, P.C.
T
he commercial collection world
is a world of contingent fees. The
commercial agency generally makes
money when a debt is collected. If
the agency is unable to complete this
task alone, they often retain a law
firm to collect the debt. Once again, if
successful, a law firm is generally paid on
a contingent-fee basis. But lo and behold,
what happens when suit is filed and not
only is the complaint answered, but a
counterclaim is filed as well?
On many occasions, the agency,
attorney and original creditor are
shocked that a counterclaim has been
filed. Ordinarily they shouldn’t even be
surprised. The seeds of a counterclaim
are more often than not planted in
the creditor’s file. There might be a
product return, a letter complaining
about service, or at least notes in the file
expressing dissatisfaction.
If collection calls are made by the
commercial agency and/or law firm, and
the debtor complains, these concerns
should be addressed. Many times,
creditor’s counsel can discern that he is
dealing with a counterclaim-in-waiting.
If that is the case, it is incumbent upon
the attorney to apprise all concerned
BEFORE suit is filed.
If a counterclaim is anticipated and
the creditor still wants to sue, both
the attorney and forwarder must have
a complete copy of the creditor’s file,
including a legible copy of the contract
signed by the debtor with any personal
guaranties, copies of all outstanding
invoices along with a complete payment
history, and, if shipments or deliveries
are involved, signed proofs of delivery.
Detailed collection notes are also
important in contested cases and should
be carefully reviewed.
In addition to documentary evidence,
attorneys should know who will testify
on the creditor’s behalf if the case
proceeds to trial. Witnesses with personal
knowledge are preferable, but are not
always available. Employees change jobs
or are terminated and may not be willing
or able to assist. Are the witnesses still
employed by the creditor? If not, why?
Will the witnesses honestly cooperate
if asked to testify? The answers to these
questions should be known before suit is
filed.
If a counterclaim is filed, the issue
of reasonable attorneys’ fees becomes
extremely important to all concerned.
Since most creditors’ rights attorneys
work on a contingent-fee basis, a
counterclaim is normally billed separately
on an hourly basis.
Too often, I have heard attorneys
joyfully express their gratitude that a
counterclaim has been filed because
now they will be paid a fee regardless
of the outcome. These are not the types
of attorneys creditors want to represent
them.
So, what type of billing arrangement
should the creditor, forwarder and
attorney try to work out when a
counterclaim is filed? The counterclaim
defense billing should be just for
that—the work actually expended in
defense of the counterclaim. Needless
to say, in defending the counterclaim,
the work to be done often crosses over
into the original complaint and it is
difficult to differentiate between the
original claim and the defense of the
counterclaim. Many attorneys will charge
a reduced hourly rate for defending
the counterclaim since they are still
in pursuit of the original claim on a
contingent-fee basis.
Other methods include billing for
all time expended on the case after the
counterclaim is filed at the reduced
hourly rate, billing for only work directly
related to the counterclaim, or accepting
a flat fee for defense of the counterclaim
and still continuing to pursue the original
complaint on a contingent fee basis.
All of these ideas are possible and it is
up to the parties to determine what is in
the best interests of all concerned. They
need to thoroughly discuss the nature of
the case and make a rough estimate as to
how much time will be involved for the
defense of the counterclaim.
Sometimes creditors are so upset
about the counterclaim that they simply
“walk away” from their claim, and both
continued on page 5
1
Officers
PRESIDENT’S LETTER
Lee VandenHeuvel
President
Ross, Stuart & Dawson, Inc.
Auburn Hills, Mich.
Spring is Here!
Is Your Game Ready?
Tom Brenan
Vice President
Altus GTS, Inc.
Metairie, La.
Robert P. Ingold
Past President
Commercial Collection
Corp. of NY
Tonawanda, N.Y.
Greg Cohen
Treasurer
Caine & Weiner
Woodland Hills, Calif.
Directors
Marc Bressler
Bressler-Duyk Law Firm
Edison, N.J.
Michael Daugherty
Synter Resource Group LLC
Charleston, S.C.
Paul Eisenberg
Johnson, Morgan & White
Boca Raton, Fla.
Randy Frazee
Andersen, Randall
& Richards, Inc.
Tucson, Ariz.
Thomas Hamilton
American Lawyers Quarterly
Cleveland
Albert Knowles
A.V. Knowles & Co Ltd.
Port of Spain, Trinidad
Bill Mann
Joseph, Mann & Creed
Shaker Heights, Ohio
John Yursha
Commercial Recovery
Group, Inc.
Dover, Del.
By Lee VandenHeuvel
W
hen you read this, it will be spring.
However, as I write this, I am looking
outside at six inches of fresh new snow sitting
on top of 20 inches of old snow wondering
how in the heck will Tiger Stadium be ready
for baseball in three weeks?
And where am I, you ask? I am at a rather
expensive car detail shop waiting to have
hardened road salt surgically removed from
my new SUV carpets. You see, in Michigan,
one of the rigors of living here in winter is that
vehicles require a monthly spa visit to keep
them salt-free and client-friendly.
How does this tie into commercial
collections? That’s easy. Being knee-deep
in snow for the last four months got me
daydreaming of warmer climates, like
Miami, and how enjoyable it was to be at the
convention eight weeks ago in warmer weather,
surrounded by great friends and colleagues for
an action-packed agenda.
Along those lines, it occurred to me that
what makes our conferences so successful are
not just the well-thought-out agendas and
the months of planning and preparation, but
rather, it’s the mix of attendees who show
up! The IACC is an agency-run association.
However, our association would not be nearly
as successful as it is without the active role and
participation of our attorney, international and
law list members. Period.
I think it’s fair to say that we all joined
the IACC and attend the conferences for
pretty much the same reasons: belong to a
community of commercial debt collectors,
education, to learn from others, to network
with each other and more importantly, to have
fun doing it!
I would like to recognize and thank
each of our attorney, international and law
list members for their role in making the
IACC what it is today: the largest and, in
my opinion, premier association in the
commercial collection space. All three groups
are represented on the board of directors and
play an important leadership role in the future
direction of our association.
All of this boils down to one important
thing: business. We’re all in this game to grow
our businesses and make money. Becoming
actively involved with the IACC can help
you do that by cultivating relationships with
agencies, attorneys and law list members who
can help you in more ways than one.
Agencies help other agencies, solid agencyattorney relationships lead to more dollars
collected through litigation, and the law lists
are critical because they know everybody and
are instrumental in connecting the agencies
with the attorneys.
In a recent post on the ALQ forum,
John Guerrini from The Guerrini Law Firm
eloquently wrote:
“Going to a conference once is in most
cases (in my experience) pointless. You may
get a lead or even a client, but to truly realize
benefits from the group or association that
puts on the conference, I’ve found you must
(1) attend regularly and (2) become involved.
That’s difficult to do if you have too much
on your plate. So if you pick one or two
organizations/events and focus on them,
become involved with them, and make the
effort, I bet you reap the rewards.
Marketing in this business is tough,
because we don’t get instantaneous benefits—
there’s no immediate sale… it’s a long-term
plan. I may meet someone at a CLLA or
IACC conference but not realize a real client
relationship with him/her until many years
later. I treat conferences (and my involvement
with any organization) as an investment. I’ve
given up on some conferences/associations
after it became apparent that it was not a
good investment of my time/money/energy.
continued on page 7
2
Member News
Member Report
“
Member News” is a small feature
section where members can
share their accomplishments, awards,
promotions, company news, etc. If you
have a story you would like to share,
please submit it to IACC at iacc@
commercialcollector.com. Please limit the
submission to 100 words or less. Note:
All submissions are subject to approval by
IACC staff.
Industry friend and IACC member
Dale Smith Sr., owner of Central
Mercantile Collection Service in
Minnesota and Michigan, passed away
at the Cleveland Clinic on Jan. 23,
2014. Dale chose to make Brighton,
Mich., his home in the early 1970s and
opened CMCS in 1984. He remained
a local businessman until his retirement
and kept in contact with many in the
industry. Our condolences to his family
on his passing.
Agency member Randall & Richards
in Tucson, Ariz., is pleased to announce
the acquisition of The Andersen Group
Worldwide, LLC, of Metairie, La.,
effective Feb. 1, 2014. The combined
entities will continue their operations
under the name Andersen, Randall &
Richards.
Randall & Richards CEO Randy
Frazee emphasized that the combined
experience and talent of each company’s
employees will serve to increase the
expertise offered to clients. He added
that all current Andersen employees will
be retained, and the Louisiana office will
continue operations. Tammy Osborne
will serve as the vice president of
marketing and client services. The Tucson
headquarters will manage consolidated
operations.
Agency member Coface Collections
North America has announced that it
has rebranded to Altus as part of a global
brand realignment strategy effective
New Agency Members:
Progressive Financial Services, Inc
Tempe, Ariz.
Financial Recovery Services, Inc.
Edina, Minn.
immediately.
With the adoption of
its new brand, tagline and logo, Altus
has simultaneously launched its new
website, http://www.TrustAltus.com. The
rebranding will continue to build and
foster Altus’ unparalleled dedication to
offering innovative trade solutions.
Altus is a Natixis company. Natixis is
the corporate, investment management
and financial services arm of Groupe
BPCE, and the parent company of
both Coface North American Insurance
Company and Altus (formerly CCNA).
The corporate leadership and staff will
remain in position.
The company adopted a new tagline,
“Global Trade Solutions” and a new logo,
a stylized globe. Coface, CCNA’s former
parent company, will now focus solely on
credit insurance.
Burt and Associates
Carrollton, Texas
EOS Holding GmbH
Hamburg, Germany
Milliken & Craig (s) P/L
Singapore, Singapore
New Associate Members:
Lippman & Reed, PLLC
Tucson, Ariz.
Bruce A Hatkoff, ALC
Tarzana, Calif.
Ciconte, Wasserman, Scerba & Kerrick, LLC
Wilmington, Del.
Lawcraft
Plantation, Fla.
Hudson Law Offices, P.C.
Turnersville, N.J.
Gottlieb Ostrager LLP
Elmsford, N.Y.
Jaffe & Asher
New York
Kirschenbaum & Phillips PC
Farmingdale, N.Y.
Barber & Bartz, PL
Tulsa, Okla.
Associate member Fein, Such, Kahn
& Shepard, P.C. and Levitan and
Frieland, P.C. are pleased to announce
the merger of their legal practices to
enhance services to clients in New Jersey.
On Jan. 1, 2014, Philip I. Levitan, Esq.
and Harry Frieland, Esq. joined Fein,
Such, Kahn & Shepard, P.C. along
with key members of their team from
Levitan & Frieland, P.C. The merger is
considered to be a great addition to the
collections and creditors rights practices
of Fein, Such, Kahn & Shepard, P.C.
New Certified Collectors:
Marc Hirschel
McKenzie, Becker & Stevens, Inc.
Lakeville, Conn.
Gwen Santana
Stevens Business Service, Inc.
Lowell, Mass.
Yaris Collazo, Betsaida Coronado,
Angela Guinouard
Lamont, Hanley & Associates, Inc.
Manchester, N.H.
Jim McConville
Allen, Maxwell & Silver, Inc.
Englewood Cliffs, N.J.
Travis McMaster
Commercial Collection Corp. of NY
Tonawanda, N.Y.
Linzi Balroop, Cindy Sooknanan
A.V. Knowles & Co Ltd.
Port of Spain
For more information on the IACC Certified
Commercial Collector Program, visit the IACC
website at http://www.commercialcollector.com
and click on “Certification.”
New IACC Certified Agencies
I
n recent months, IACC has had the
pleasure of approving and welcoming
three new agencies to the IACC Certified
Agency list. They are as follows:
Mountain States Commercial
Credit Management
Englewood, Colo.
Certified: Feb. 19, 2014
Principal: Tom Claybaugh
Greenberg, Grant & Richards, Inc.
Houston
Certified: March 25, 2014
Principal: Garrick Glascock
Euler Hermes Collections North
America
Louisville, Ky.
Certified: March 26, 2014
Principal: Ron Stiegel
Congratulations to all of these
agencies!
The IACC Certified Commercial
Collection Agency program
demonstrates an IACC member
agency’s professionalism and devotion
to providing quality collection services.
Agency applicants are required to submit
a variety of information throughout
the rigorous application process,
which is reviewed and evaluated by an
independent auditor hired by IACC to
assess the agency’s qualifications.
IACC certification gives an agency a
unique mark of distinction in a highly
competitive market. There are currently
25 IACC certified agencies.
Learn how your agency can join the
ranks of IACC Certified Agencies at
www.commercialcollector.com or (800)
859-9526.
IACC Teleseminar
Credit Applications and Related
Contractual Documents
May 13, 2014, 11:00 a.m. CDT
Presented by:Wanda Borges, Esq., Borges & Associates LLC, Syosset, N.Y.
Steve Harms; Muller, Muller, Richmond, Harms & Myers;
Birmingham, Mich.
Marc Lichtman, Marc S. Lichtman & Associates, Ltd., Chicago
The information presented in this seminar will benefit not only you, but also your
clients who use credit applications, contracts or similar documents to establish
account relationships, so make them part of this! Listen from your office—
an affordable way to keep up with industry trends!
Agencies, invite your clients!
Contact IACC to learn more.
Register online today at
http://www.commercialcollector.com.
Highlights of the seminar include:
• Why use a credit application?
• Arbitration clauses in agreements with customers.
• Use of forum selection and choice of law provisions in credit applications/contracts.
• Security agreements (taking a lien on items you sell).
• Handling checks, such as those marked “paid in full” or “in full settlement” as part of the credit application/contract.
• Personal guarantees.
• Permission to run credit on a customer, and other miscellaneous topics relating to a credit application or contract.
• Dispute handling language in credit applications or contracts.
4
OMG! A Counterclaim’s Been Filed
parties dismiss the case with prejudice.
Obviously, from both the attorney and
forwarder’s point of view, this is a very
undesirable result.
Another scenario that sometimes
occurs is creditors see that the
counterclaim will involve hourly fees and
the possibility of liability against them,
and they choose to substitute out the
original creditors’ rights attorney. This
can be devastating to the attorney as it is
possible that she will be paid nothing for
her efforts and that the substitute counsel
will reap all the benefits of the work
product.
continued from page 1
It is very important for the creditor
to anticipate the filing of a counterclaim
and to communicate to both the
forwarder and the attorney the likelihood
that one might be filed. It is equally
important that once a counterclaim is
filed, a separate fee agreement between
the creditor and the attorney be signed
and that the parties have a frank and
open discussion about where the case is
going.
The key to a successful result
when a counterclaim is filed is open
communication among the creditor,
forwarder and attorney of record. If that
communication occurs as it should,
then no one will be surprised as the
case proceeds. By thinking ahead and
preparing for the likely counterclaim,
the creditor, forwarder and attorney
will be able to say, “Ho, hum… it’s a
counterclaim.”
If you would like to submit an article for
publication in Scope, or have a collection
story to share, you can submit those to
IACC at iacc@commercialcollector.com.
International Association of Commercial Collectors
2014
Annual Mid-Year
Conference
July 21-23, 2014 – Hilton Chicago
Set Your Strategy and Network!
IACC’s Mid-Year Conference is a more intimate meeting
of commercial collection owners and managers. This
annual event gives you the opportunity to strategize your
commercial collection efforts while networking with
those who know the commercial industry best.
Learn from the experts:
Connect with your colleagues:
•
•
•
•
Around the World: International Hot Topics
Meet the Attorneys
• Hot Topics in the Commercial Collection Industry
• And more!
Register by May 26
for the best rate!
Welcome & Networking Receptions
Optional Special Event: Wrigley Field Rooftop Game
• Optional Special Event: Chicago Architectural River Cruise
• ACA Welcome Reception and Opening Expo
www.commercialcollector.com – (800) 859-9526
E-mail iacc@commercialcollector.com
5
Directory of Associate Members
W
hen forwarding accounts, please use IACC’s Associate members! Remember to let the Associate member know you are forwarding
to them because they are IACC members so they will see the value in their membership with IACC. To find complete contact
information for each of these members, please visit the IACC website at http://www.commercialcollector.com and click on the “Find an IACC
Member” button located on the top right of the home page.
When forwarding to associate member law firms, we recommend that you designate IACC and a law list in your forwarding letter and
notify the law list designated. These actions will ensure your account is covered by the law list’s bond and let the associate member know it
is coming from a fellow IACC member.
If you have any questions, please do not hesitate to contact the IACC staff at (952) 925-0760 or iacc@commercialcollector.com.
LAW LIST MEMBERS
American Lawyers Quarterly
Cleveland
Clearing House Quarterly
Gainesville, Fla.
General Bar Law Directory
Cleveland
Lawyers Referral Directory
Cleveland
The Columbia Law List
Boca Raton, Fla.
The Commercial Bar
Easton, Md.
The Forwarders List of Attorneys
Princeton, N.J.
The National List of Attorneys
Bismarck, N.D.
Wright Holmes Law List
Katonah, N.Y.
ASSOCIATE MEMBERS
Alabama
Cloud & Tidwell, LLC
Birmingham
Zarzaur & Schwartz, P.C.
Birmingham
The Pappanastos Law Firm, P.C.
Montgomery
Arizona
Hammerman & Hultgren, P.C.
Phoenix
Lippman & Reed, PLLC
Tucson
California
Law Offices of T. Britt Rudman
Beverly Hills
Hinsdale Law Firm
Burlingame
Law Offices of Martin F. Goldman
Encino
Alan L. Brodkin & Associates
Irvine
Barry S Jorgensen Law Office
Newhall
The Guerrini Law Firm
Pasadena
Law Offices of Ian A. Bardin
Redondo Beach
Law Offices of Gary A. Bemis
Riverside
Glassberg, Pollak & Associates
San Francisco
Sweet & Walker, A Professional
Corporation
San Francisco
Wilks & Associates Attorneys
Santa Ana
The Law Offices of Jacqueline N.
Anker
Santa Barbara
Bruce A Hatkoff, ALC
Tarzana
Mendelson Law Group
Woodland Hills
Colorado
Girsh and Rottman, P.C.
Denver
Vinci Law Office
Denver
Silverman/Borenstein PLLC
Englewood
Miller & Cohen, P.C.
Longmont
Connecticut
Drapp & Jaumann, LLC
Bridgeport
Jacobs & Rozich, LLC
New Haven
Delaware
Ciconte, Wasserman, Scerba &
Kerrick, LLC
Wilmington
Florida
Rosenfeld Stein Batta, P.A.
Aventura
Yates & Schiller, P.A.
Boca Raton
Law Offices of Paul M. Kade
Miami
Sprechman & Associates
Miami
Talianoff Rubin & Rubin, P.A.
Miami
Lawcraft
Plantation
Gruman Worldwide Ltd.
Tampa
Mader Law Group
Tampa
Marcadis Singer PA
Tampa
Georgia
Gonzalez Saggio & Harlan LLP
Atlanta
Isenberg & Hewitt, PC
Atlanta
Lazega & Johanson, LLC
Atlanta
Stokes, Lazarus & Carmichael LLP
Atlanta
Illinois
Abrams & Abrams, P.C.
Chicago
Marc S. Lichtman & Associates, Ltd.
Chicago
Spilotro Law Group, LLC
Chicago
Teller, Levit & Silvertrust, P.C.
Chicago
William G. Schur, Attorney At Law
Chicago
Indiana
L. Craig Turner, Attorney
Indianapolis
Pfenninger & Associates
Indianapolis
Rubin & Levin, P.C.
Indianapolis
Genetos Retson & Yoon LLP
Merrillville
Krisor & Associates
South Bend
Iowa
Pech, Hughes & McDonald, P.C.
Cedar Rapids
Kentucky
Lloyd & McDaniel, P.L.C.
Louisville
Louisiana
Levin Law Offices
Metairie
Maryland
Law Offices of Kind & Dashoff
Baltimore
Weinstock, Friedman & Friedman,
P.A.
Baltimore
Business & Technology Law Group
Columbia
Massachusetts
John Postl, P.C.
Boston
David I. Shorr, Attorney At Law
Framingham
Cohn & Dussi, LLC
Woburn
Michigan
Muller, Muller, Richmond, Harms,
Myers P.C.
Birmingham
Stillman Law Office
Farmington
Roosen, Varchetti & Olivier, PLLC
Mount Clemens
Minnesota
Gurstel Chargo, PA
Minneapolis
Wagner, Falconer & Judd, LTD.
Minneapolis
Mississippi
Rushing & Guice, PLLC
Biloxi
Missouri
McDowell, Rice, Smith & Buchanan
Kansas City
Gamache & Myers, P.C.
Saint Louis
Evans & Green LLP
Springfield
Nebraska
Cada, Cada, Hoffman, & Jewson
Lincoln
Nevada
Hayes and Welsh
Henderson
Dubowsky Law Office
Las Vegas
Richard G. Hill, Ltd.
Reno
New Jersey
Morgan, Bornstein & Morgan
Cherry Hill
Bressler-Duyk Law Firm
Edison
Law Offices of Kathleen R. Wall
Manasquan
Fein, Such, Kahn & Shepard, P.C.
Parsippany
The Saldana Law Firm
Princeton
Hudson Law Offices, P.C.
Turnersville
Law Offices of Joseph A. Molinaro,
LLC
Wyckoff
continued on page 7
6
Directory of Associate Members
New York
Roe Taroff Taitz & Portman, LLP.
Bohemia
Meyers, Saxon & Cole
Brooklyn
Smith, Carroad, Levy & Wan
Commack
Kirschenbaum & Phillips, P.C.
Farmingdale
Stein & Stein
Haverstraw
Gutman & Gutman LLP
Mineola
The Terkell Law Firm, P.C.
New City
Frank, Frank, Goldstein & Nager
P.C.
New York
Jaffe & Asher
New York
Kazlow & Kazlow
New York
Popper & Grafton
New York
Relin, Goldstein & Crane, LLP
Rochester
Borges & Associates, LLC
Syosset
Gottlieb Ostrager, LLP
White Plains
Murray S. Lubitz
White Plains
Ziegler Metzger LLP
Cleveland
Isaac Wiles Burkholder & Teetor
LLC
Columbus
Wisconsin
Murphy Desmond S.C.
Madison
Kohner, Mann & Kailas, S.C.
Milwaukee
Oklahoma
Barber & Bartz, PL
Tulsa
international
Pennsylvania
Morris & Adelman, P.C.
Bala Cynwyd
Gordon & Weinberg, P.C.
Conshohocken
Oxford Law, LLC
Levittown
Jeffrey S. Wilson, Attorney At Law
Philadelphia
Amato Keating and Lessa, P.C.
Pittsburgh
Bernstein-Burkley, P.C.
Pittsburgh
Burton, Neil & Associates, P.C.
West Chester
Keifer Law Firm
Wilkes Barre
Tennessee
The Mendelson Law Firm
Memphis
John B. Ingleson, Attorney At Law
Murfreesboro
Law Offices of Barry Gammons
Nashville
North Carolina
Smith Debnam Narron Drake
Saintsing & Myers, L.L.P.
Raleigh
The Sigmon Law Firm, P.A.
Raleigh
Ohio
Kevin L. String Co., L.P.A.
Chagrin Falls
Immerman & Tobin Co., L.P.A.
Cincinnati
Slovin & Associates Co., LPA
Cincinnati
Thomas & Thomas Attorneys
Cincinnati
Alvin I. Gilmore, Attorney At Law
Cleveland
Weltman, Weinberg & Reis Co., LPA
Cleveland
President’s Letter
continued from page 6
Texas
Barnett and Garcia, PLLC
Austin
Harrell Pailet & Associates, P.C.
Dallas
Jameson & Dunagan, P.C.
Dallas
Totz, Ellison & Totz, P.C.
Houston
Hoffmeyer & Grass, Inc.
Mesquite
Utah
Elggren & Peterson, P.C.
Sandy
Belgium
Collection Attorneys Europe
Antwerpen
Brazil
Aronis Law Office
Sao Paulo
Canada
Franklin & Franklin
Montreal
Ecuador
Bermeo & Bermeo Law Firm
Quito, 17-12-881
India
Sumesh Dhawan
New Delhi
Israel
Gideon Koren & Co.
Rehovot
Isaac Eilat Law Offices
Tel Aviv
Italy
Studio Legale Mannari
Florence
Netherlands
Bierens Collection Attorneys
Veghel
Puerto Rico
Nolla, Palou & Casellas, LLC
Guaynabo
Turkey
Antroya Law Office
Istanbul
United Kingdom
Ward Hadaway
Leeds
Washington
Stephen A. Bernheim, Attorney At
Law
Edmonds
IACC STAFF
Executive Director
Tammy Schoenberg
Scope Editor
Sara Bobrowski
Design Manager
Darla Rehorst
Scope is a bi-monthly
newsletter available to
members of IACC. IACC
is located at 4040 W. 70th
St., Minneapolis, MN
55435. You may contact the
IACC office at (952) 9250760 or via e-mail at iacc@
commercialcollector.com.
This information is not
intended as legal advice and
may not be used as legal
advice. It should not be
used to replace the advice of
your own legal counsel. Any
information contained in this
material is based on current
research into the issues and
on the specific facts involved
herein.
©2014 International
Association of Commercial
Collectors, Inc.
All Rights Reserved.
continued from page 2
For others, once I realize that it’s a great
investment, that group/conference becomes a
‘must do’ on my list. I hope that helps. And
hope to see you at the next IACC meeting!”
In closing, for our newer members who may
not yet have attended an IACC conference, or
veteran members who haven’t attended recently,
I urge you to get in the game and be seen and
heard. The next stop is Chicago this summer
(July 21-23). See you there.
I hope you all have a great year. And don’t
forget that IACC is here to help you along the way!
7