VANCOUVER, Wa. — CollaborationRoom.ai announced Friday a partnership with Radius Global Solutions to
deploy its agent engagement tools across its global
network.   

By using the CollaborationRoom.ai platform, Radius will enhance its engagement with its
remote contact center agents.  This will
improve overall compliance and client performance as well as measure and track agent
engagement, dramatically improve the agent/supervisor relationship and assist
Radius in replicating its in-office training and quality assurance experience in
a remote or virtual setting. 

“The global pandemic
created the opportunity for Radius to demonstrate its resilience as we rapidly
adapted to a work-at-home environment. 
As we move forward, Radius intends to continue to leverage our work at
home capabilities to enhance and further diversify our global workforce.  CollaborationRoom.AI will allow us to maximize
agent productivity, enhance our compliance and quality assurance programs, and
continue to offer best-in-class service to the global brands that we represent.”
said Steven Leckerman, Chief Operating Officer of Radius. “This
partnership illustrates our commitment and dedication to providing all of our global
employees with the best possible work experience, while continuing to provide
the highest quality of service to our client’s customers.”   

CollaborationRoom.ai‘s innovative and cutting-edge agent engagement platform works for
contact centers, business process outsourcing providers, collection agencies,
and call centers of all shapes and sizes. It facilitates communication, helps
maintain quality control, and enhances compliance, all of which have become
critical functions for companies managing remote workforces during the COVID-19
pandemic. 

“The commitment
demonstrated by Radius Global Solutions is a huge affirmation of the value that
our platform can provide,” said Viji Maini, the Co-Founder and Chief
Operating Officer of CollaborationRoom.ai. “We believe that our technology has the power to change how
contact centers are managed now, and in the future.” 

Radius
Global Solutions is a leading provider of integrated omnichannel customer
engagement services and technology, with 4000+ employees across 14 locations.

To learn more about Radius Global
Solutions, please visit https://www.radiusgs.com.

Collaborationroom.ai is a patent-pending Agent Engagement, Agent Productivity, and Compliance tool,
built for Contact Centers that helps manage your work-from-home team as they were in
a brick-and-mortar facility.

To learn more about CollaborationRoom.ai, please visit https://www.collaborationroom.ai or contact Viji.maini@collaborationroom.ai

ROCHESTER, N.Y. — Continental Service Group, Inc., d.b.a. ConServe is
proud to announce that Mark E. Davitt, ConServe CEO and Founder has been named
the 2021 recipient of the Herbert W. Vanden Brul Entrepreneurial Award,
presented by Rochester Institute of Technology’s (RIT) Saunders College of
Business. This award is presented to
entrepreneurial leaders in the Greater Rochester region who have improved the economy
or whose innovations have changed the course of their business.

Mark E. Davitt,
a graduate of Hamilton College worked as associate bursar at RIT prior to launching
ConServe in 1985. Mark is a visionary,
philanthropist and entrepreneur, and has worked to transform the collection
industry by providing people with the means to take control of their lives and manage
their financial obligations in ways that preserve their dignity and self-respect. Under Mark’s direction, the leadership team
embraces and advocates ConServe’s Mission, Vision, and Values in their daily
efforts and they continue to improve the collection industry. Mark is an inspirational leader and motivator
with a team-like perspective, realizing the values of investing in good people
and technology. Mark said, “Good
business is about hiring good people – you can teach process and procedure, but
first, you need to have the right people and inspire them to do the right thing,
at the right time, the right way.”

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“We are proud to be recognizing Mark as the 2021 Vanden Brul
awardee,” said Jacqueline Mozrall, Dean of the Saunders College of Business at
Rochester Institute of Technology. “As the founder of ConServe, he has
created and driven positive economic impact in Rochester and beyond, and has
also supported constructive change through his efforts with financial literacy
initiatives, the ACA Education Foundation, the American Diabetes Association, the
Irish Children’s Program of Rochester, E-3 Rochester, and United Way.”

About ConServe

ConServe is a top-performing
accounts receivable management service provider specializing in customized
recovery solutions for their Clients. Anchored in ethics and compliance, and
steadfast in their pursuit of excellence, ConServe is a consumer-centric
organization that operates as an extension of their Clients’ valued brands. For over 35 years, they have partnered with
their Clients to provide unmatched customer service while simultaneously
helping them achieve their accounts receivable management goals. Visit Conserve online at www.conserve-arm.com.

TREVOSE, Pa. —  NCB Management
Services (“NCB”), a national Debt Buyer and Accounts Receivable Management (“ARM”) firm is pleased to
announce a new ownership structure as a result of their partnership with Trive Capital (“Trive”).

NCB’s
management team, led by Ralph Liberio, President & CEO, will remain in
place continuing to provide superior
performance on behalf of their clients. The
entire NCB team remains focused on compliance,
regulation, and having a team dedicated to providing clients with the highest
level of support. Liberio will also
hold a seat on the Board of Directors. In
addition, Rick Silver, NCB’s founder, will retain
minority ownership as well as maintain a position on the Board of Directors and
continue providing oversight and
strategic guidance to the Company.

“Partnering
with Trive Capital allows NCB to accelerate our portfolio acquisition growth
strategy while continuing to grow
the account servicing segment of our business”, stated Ralph Liberio, President
& CEO of NCB Management Services,
Inc. “We have an aggressive and
disciplined growth plan and are excited to take NCB to
the next level of performance
for our customers and employees.”

Chris
Zugaro, Partner at Trive, stated “We are thrilled to partner with the NCB team. Their successful track record in the debt buying and the ARM business, along with
a talented management team, makes this
an exciting partnership. We look
forward to providing capital and resources to further enable NCB’s growth.” 

The transaction was completed on August 31, 2021. NCB was advised by Raymond James, and debt financing was provided by M&T Bank.

For more information about recent news regarding NCB Management Services, Inc. please contact info@ncbi.com, visit https://ncbi.com/news, or follow them on LinkedIn

About NCB Management Services

NCB
Management Services, Inc. was established in 1994 and is headquartered in
Trevose, PA with satellite offices in
Jacksonville, FL, Sioux Falls, SD, and Lincoln, NE. NCB is a well-respected Debt Buyer
of Unsecured Consumer Credit Products and an admired, well- recognized Accounts
Receivable Management (ARM) industry
leader. By blending many years of ARM
experience with the latest in new information systems
and communication technology, NCB has developed a reputation as consistently being a valued business
partner and performer in a wide variety
of applications. Achieving maximum results and protecting our clients
valued reputation are among our highest
priorities.

About Trive Capital

Trive Capital is a
Dallas, Texas based private equity firm with approximately $3.6 billion in
assets under management. Trive
focuses on investing equity and debt in what it sees as strategically viable
middle- market companies with the
potential for transformational upside through operational improvement. We seek to maximize returns through a
hands-on partnership that calls for identifying and implementing value creation
ideas.

The Trive
team is comprised of seasoned investment professionals who have been involved
in over 100 middle-market transactions representing in excess
of $6 billion in revenue across
Trive’s targeted industry
sectors and situations.

During
D.C.’s declared State of Public Health Emergency, several financial protections
have been put in place, including some that severely limit, among other things,
collection activities relating to consumer contracts, repossession, and legal
actions on accounts.  On September 1, Mayor Muriel Bowser signed the most
recent pair of emergency and temporary legislation to land on her desk,
B24-0347 and B24-0348.  These bills include a number of provisions
impacting collection activities that relate to both third-party debt collectors
and creditors collecting their own debts.  Since a permanent version of
these bills, B24-0357, remains in the Council, the bills signed by the Mayor on
September 1 only temporarily amend various provisions of D.C. 28-3814, D.C.’s collections
statute.

Before
diving into the bills signed last week and the legislation that preceded it, it
is important to understand D.C.’s somewhat unique legislative process.

In
the District, during a public emergency, the Mayor and the D.C. Council can
quickly pass an emergency amendment.  (Provided, of course, that the
emergency amendment has at least majority support in the Council and is
not vetoed by the Mayor.)  These emergency amendments require no second
reading nor do they go through the required 30-day Congressional review. 
Emergency amendments last for 90 days.  Typically, an emergency amendment
and a temporary amendment of the same name are introduced at the same
time.  Temporary amendments require two readings in the Council and, if
passed by the Council, temporary amendments are sent to Congress for a 30-day
Congressional review period.  If the temporary amendment makes it through
the review period, it is considered enacted and has a 225-day lifespan. 
(It is important to note that days in a Congressional review period are not
calendar days or business days, but are instead days when both the Senate and
the House are in session.)

The
latest in the line of pandemic-related legislation enacting various collection
restrictions introduced by D.C. Council Chairperson Phil Mendelson since the
onset of the pandemic are the Coronavirus Support Emergency Amendment Act of 2021
(B24-0139) and the Coronavirus Support Temporary Amendment of 2021 (B24-0140). 
These amendments prohibited debt collectors, “during a public health emergency
and for 60 days after its conclusion,” from filing new collection lawsuits,
garnishing wages, or repossessing vehicles. (Cf. Section 303, “Debt
collection,” on page 31 of the emergency amendment, and page 24 of the
temporary amendment, herein after “Section 303”).

B24-0139,
the emergency act, was signed by Mayor Bowser on March 17, 2021 and expired on June
15.  B24-0140, the temporary act, was signed by Mayor Bowser on May 3,
2021.  It is effective from June 24, 2021 through February 4, 2022. 
However, Section 303 prohibiting lawsuits, garnishments, and repossessions, was
subject to sunset 60 days after the conclusion of a public health
emergency.  The Mayor ended the public health emergency in D.C. on June
25, 2021.

Moving
forward, the next pieces of pandemic-related consumer protection legislation
were the Public Emergency Extension and Eviction and Utility
Moratorium Phasing Emergency Amendment Act of 2021 (B24-0345) and
the Public Temporary Extension and Eviction and Utility Moratorium
Phasing Emergency Amendment Act of 2021 (B24-0346).  Per
these amendments, housing providers may begin eviction proceedings for some
tenants in the District.  (An eviction moratorium had been in place during
D.C.’s State of Public Health Emergency.)  Prior to January 1, 2022,
evictions are allowed in instances where the tenant’s continuing presence would
create a threat to health and safety and in instances where the tenant has
caused significant damage to the property.  Evictions for non-payment of
rent can begin on October 12, 2021, provided the landlord has applied for
emergency assistance on behalf of the tenant through D.C.’s Stronger Together
by Assisting You (STAY) program, and notified the tenant in
writing that an application has been submitted.  Eviction suits in general
are scheduled to be fully allowed starting on January 1, 2022.

These
amendments also repealed Section 303 in both the Coronavirus Support Emergency
and Temporary Amendments.  B24-0345 was signed by Mayor Bowser on July 24,
2021, and expires on October 22, 2021.  B24-0346 was signed by Mayor
Bowser on September 1, 2021, and is now in its 30-day Congressional review
period.  However, as noted above, Section 303 was subject to sunset 60
days after the conclusion of a public health emergency.  Thus, had it not
been repealed by B24-0345 and B24-0346, Section 303 would have  expired on
September 23, 60 days after Mayor Bowser ended  the public health
emergency.

The
final two pieces of consumer protection legislation are the Protecting Consumers from Unjust Debt Collection Practices
Emergency Amendment Act of 2021 (B24-0347) and the Protecting Consumers from Unjust Debt Collection Practices
Temporary Amendment Act of 2021 (B24-0348).  Notably, these
amendments incorporated prior Section 303 from B24-0140, which restricted debt
collection activities “[d]uring a public health emergency and for 60 days after
its conclusion.”  Both B24-0347 and B24-0348 were signed by Mayor Bowser
on September 1, 2021.  B24-0347 has an effective date of September 23,
2021, and lasts for 90 days.  B24-0348 is currently in its 30-day
Congressional review period, and, provided it encounters no objection, also has
an effective date of September 23, 2021 and lasts for 225 days.  (In the
meantime, there is a final bill version of Protecting Consumers from Unjust
Debt Collection Practices Amendment Act of 2021 that remains in Council, B24-0357.  If it is signed and survives
its 30-day Congressional review, it would be official law with no expiration
date.)

Requirements
for debt collectors and creditors in B24-0347 and -0348 (and which also appear
in the still-pending permanent bill, -0357) include:

• Prohibiting debt collectors from making more than 3 phone calls to a consumer in a 7 day period (unless the debtor requests additional calls)v

• Prohibiting communication of a consumer’s debts to his or her employer

• Prohibiting communication of a consumer’s debts to family, friends, or neighbors (except through proper legal process)

• Providing complete documentation related to the debt being collected

• Providing a complete schedule or agreement for any payment plan

The emergency,
temporary, and final amendments also allow for the awarding of damages and fees
to a consumer if a debt collector violates any of the requirements.

Show Notes:

ARM industry start-up, Spring Oaks Capital, set out to do
things differently, but it had no idea that it would launch a new company on
the cusp of a worldwide pandemic. Jay Collins, Co-Founder and Chief Operating
Officer at Spring Oaks Capital, stops by #Creditecotogo to highlight the
successes his company has had despite the challenges of COVID. Jay’s story is a
lesson to all in the financial services industry, as well as any industry, that
establishing a team approach to your workforce and assuring that all players
(employers and employees) must commit to the mission is a recipe for success
and to lead with compliance.

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DISCLAIMER – No information contained in this Podcast or on
this Website shall constitute financial, investment, legal and/or other
professional advice and that no professional relationship of any kind is
created between you and podcast host, the guests or Clark Hill PLC. You are
urged to speak with your financial, investment, or legal advisors before making
any investment or legal decisions.

Well
TCPAWorld, we have another great post-Facebook case
for you. Franco v. Alorica Inc., No.
2:20-CV-05035-DOC-(KESx), 2021 U.S. Dist. LEXIS 164438 (C.D. Cal. July 27,
2021) used the Supreme Court’s Facebook ATDS
definition and the Northern
District of California’s recent ruling in Hufnus
v. DoNotPay, Inc., 2021 WL 2585488 (N.D. Cal. June 24, 2021) to find that
when a defendant randomly makes calls from a curated list, it is not randomly
or sequentially generating phone
numbers as is required under Facebook.
Exciting stuff.

As to the
facts: In or around November 2018, Plaintiff Emy Franco began receiving calls
from individuals seeking to collect on a debt that Plaintiff allegedly owed.
Plaintiff alleged that between November 2018 and March 2019, she was called
approximately one-hundred and fifty times from over fifty different phone
numbers.  When she answered the phone, Plaintiff claimed that she would
hear a short pause before the person on the other end of the line began to
speak, which, she alleged, indicated the use of an automated telephone dialing
system. The kicker here though is that Plaintiff had a pre-existing
relationship with Defendant: Plaintiff
owed a debt to Defendant, and Defendant was calling to collect.

In
evaluating Plaintiff’s TCPA claim, the Court noted that post-the Supreme
Court’s decision in Facebook,
“district courts have been split in applying Facebook’s definition of an ATDS
in cases where the plaintiff and the defendant had a pre-existing
relationship.”  Id. at
*5-6. The Court then summarized the Northern District of California’s recent
decision in Hufnus v. DoNotPay, Inc.,
which had found that a system is not an ATDS if it calls sequentially from a
non-random (i.e. voluntarily provided) list of numbers.  Even better, the Court disagreed with a recent
ruling in Miles v. Medicredit, Inc.,
2021 U.S. Dist. LEXIS 131128 (E.D. Mo. July 14, 2021), where, in that case, the
court did not grant defendant’s motion for judgment on the pleadings as to
plaintiff’s TPCA claim, even though plaintiff merely alleged defendant
“upload[ed] telephone numbers”—numbers that were voluntarily provided—to a
database and a dialer randomly selected the number.

Going back
to Franco, the Court adopted the Hufnus approach, and determined that when
a defendant randomly makes calls from a curated list, it is not randomly or
sequentially generating phone
numbers as is required under the Supreme Court’s ATDS definition.  As it
would be “wildly implausible” (Court’s words, not mine) for the Defendant to
randomly or sequentially generate phone numbers to reach Plaintiff to collect
on a debt, it was infinitely more likely that Plaintiff provided her number
while taking out the loan she now owed on, and Defendant called that number to
collect.

Based on
this, the Court granted Judgment on the Pleadings as to Plaintiff’s TCPA
claim.  Another great post-Facebook ruling.

Well
TCPAWorld, we have another great post-Facebook case
for you. Franco v. Alorica Inc., No.
2:20-CV-05035-DOC-(KESx), 2021 U.S. Dist. LEXIS 164438 (C.D. Cal. July 27,
2021) used the Supreme Court’s Facebook ATDS
definition and the Northern
District of California’s recent ruling in Hufnus
v. DoNotPay, Inc., 2021 WL 2585488 (N.D. Cal. June 24, 2021) to find that
when a defendant randomly makes calls from a curated list, it is not randomly
or sequentially generating phone
numbers as is required under Facebook.
Exciting stuff.

As to the
facts: In or around November 2018, Plaintiff Emy Franco began receiving calls
from individuals seeking to collect on a debt that Plaintiff allegedly owed.
Plaintiff alleged that between November 2018 and March 2019, she was called
approximately one-hundred and fifty times from over fifty different phone
numbers.  When she answered the phone, Plaintiff claimed that she would
hear a short pause before the person on the other end of the line began to
speak, which, she alleged, indicated the use of an automated telephone dialing
system. The kicker here though is that Plaintiff had a pre-existing
relationship with Defendant: Plaintiff
owed a debt to Defendant, and Defendant was calling to collect.

In
evaluating Plaintiff’s TCPA claim, the Court noted that post-the Supreme
Court’s decision in Facebook,
“district courts have been split in applying Facebook’s definition of an ATDS
in cases where the plaintiff and the defendant had a pre-existing
relationship.”  Id. at
*5-6. The Court then summarized the Northern District of California’s recent
decision in Hufnus v. DoNotPay, Inc.,
which had found that a system is not an ATDS if it calls sequentially from a
non-random (i.e. voluntarily provided) list of numbers.  Even better, the Court disagreed with a recent
ruling in Miles v. Medicredit, Inc.,
2021 U.S. Dist. LEXIS 131128 (E.D. Mo. July 14, 2021), where, in that case, the
court did not grant defendant’s motion for judgment on the pleadings as to
plaintiff’s TPCA claim, even though plaintiff merely alleged defendant
“upload[ed] telephone numbers”—numbers that were voluntarily provided—to a
database and a dialer randomly selected the number.

Going back
to Franco, the Court adopted the Hufnus approach, and determined that when
a defendant randomly makes calls from a curated list, it is not randomly or
sequentially generating phone
numbers as is required under the Supreme Court’s ATDS definition.  As it
would be “wildly implausible” (Court’s words, not mine) for the Defendant to
randomly or sequentially generate phone numbers to reach Plaintiff to collect
on a debt, it was infinitely more likely that Plaintiff provided her number
while taking out the loan she now owed on, and Defendant called that number to
collect.

Based on
this, the Court granted Judgment on the Pleadings as to Plaintiff’s TCPA
claim.  Another great post-Facebook ruling.

GASPORT, N.Y — Logos
Capital Systems, a professional collection
agency, continues its support of the local  Western NY community
throughout the summer. While summer often brings recreation and renewal, Logos
executives know that life’s challenges and hardships tend not to pause for the
seasons. That’s why the Monthly Charity Initiative has remained ongoing and in full effect. In total, ten organizations received charitable
donations from Logos during the months of June and July.

Employee Engagement in Giving

Donation
recipients are chosen by top-performing
employees each month. “This is one way we try to listen to our team and
actively demonstrate our value for their voices and hearts. As a company with a
charity-oriented mission, we think it’s important to align and allow our team to take part in a meaningful
way,” says John Verbocy, President of Logos Capital Systems. 

Local or Urgent Needs

Employee picks
for June and July donations included the New York State
Police, Niagara
County Sheriffs, World Central Kitchen, Cerebral Palsy Foundation, Matt Urban Center, American Foundation for
Suicide Prevention, Food for the Hungry, Wildlife Trafficking Alliance, Queen City Pitties Animal Rescue, and Middleport
Fire Department. The team at Logos is deeply rooted in the local community
and strives to keep an overall focus on
local or urgent needs. While some of the organizations named above may
be more self-explanatory, below are details about why the team has chosen these
organizations and the positive impact they have.

Logos Capital Systems Supports Local Heroes

This summer,
Logos Capital Systems donated to local first responders of all types in
appreciation of all that they do to help create safer neighborhoods and stronger communities. The New York State Police
have been working with tremendous challenges and continuing to serve with
courage and dedication in the face of adversity. The Logos team knows that their communities are better with the presence of the Niagara
County Sheriffs and wanted to show direct
support for their services. The team also chose to support a local volunteer
fire department, the Middleport Fire Department of Niagara County. 

Creating Healthier Tomorrows

The Cerebral Palsy Foundation brings together top medical experts, research,
innovations, and institutions to help raise awareness and understanding of CP,
including how to use interventions to effectively improve the lives of those
affected. Cerebral Palsy is the most
common motor disability in childhood, yet
outcomes vary widely. There are varying types and presentations unique to each
patient, but interventions and adaptive
tools can have profound positive impacts. One key obstacle to this can
be the lack of the most current research and access to the right resources at
the right times. This is the intersection where the Foundation seeks to effect
change and transform lives and Logos employees hope the donation can further their
mission.

The American
Foundation for Suicide Prevention exists
to save lives and support those considering or affected by suicide. Having felt
the impacts of loved ones struggling with suicide, Logos Capital Systems is an
active supporter of the foundation. Suicide is the 10th leading cause of death
in the US. Research has proven that suicide is highly linked to mental health
conditions, poor coping skills, and low impulse control– all of which are
often related to treatable underlying brain conditions and can often be
successfully helped with Cognitive Behavioral Therapy, Dialectical Behavioral
Therapy, and medication management. The Foundation provides statistics,
research, resources, and local chapters for survivors, supporters, and
researchers to drive meaningful change
in mental health and save lives. 

Humanitarian Efforts

The donation
to Food for the Hungry,
an international organization, will aid in the organization’s efforts to end extreme poverty and provide basic
essential resources such as food, clean water, seeds/farming tools, and
healthcare. The nonprofit provides sponsorship
opportunities to help feed hungry children in extremely impoverished and
undernourished areas of the world. International staff members serve in their
countries of origin as boots on the ground to help provide communities with
increased resources and education to overcome extreme challenges to health and
wellness. 

The Matt Urban Center (MUC) is located in Buffalo, NY, and is a
501(c)(3) not-for-profit organization. Its mission is to “provide programs that
revitalize neighborhoods, serve families, and change lives.” Its Hope
Center is one of the primary outreach arms
of the center’s service focuses. It was chosen from the desire to help local
neighbors in need by supporting The Hope Center’s focus on emergency rental assistance, homeless
outreach, practical job training, and a free dinner program. The MUC
also provides homebuyer programs and various housing support programs as well
as services for seniors, youth, and families. 

The summer
charity initiative included a donation to World Central Kitchen, a nonprofit 501(c)(3) organization focused on feeding the
hungry during times of crisis. The organization is headquartered in Washington,
D.C., and operates worldwide in
epicenters of urgent need. In 2020 when New York was hit hard with the
Covid-19 pandemic and its massive ripple of economic effects on the community,
WCK was in place partnering with New
York restaurants to purchase food to help keep restaurants in business,
and providing the food to those in need
through its #ChefsForAmerica and
Restaurants for the People programs.

Protecting Animals

Queen City
Pitties Animal Rescue rescues pit bulls
and pit bull mixes in the Buffalo/Western NY area. This breed tends to be
plagued by common misconceptions and overlooked in shelter adoptions; However,
they can and overwhelmingly do make incredibly family-friendly, loveable, loyal
canine companions. Logos Capital Systems’ donation to the Rescue will help
provide services to rescue, rehabilitate, and re-home pit bulls
and pit bull mixes to give them and their new families better
lives. 

Logos Capital
Systems supports global needs. The Wildlife
Trafficking Alliance is a coalition of
organizations dedicated to fighting the global epidemic of wildlife
trafficking. The killing and illegal capture and sale of a variety of at-risk
species are driven by illegal trade systems worldwide. The organization aims
its efforts toward increasing awareness
to reduce demand and enacting change through key partnerships and
legislative initiatives. 

Team members
were proud to be able to support so many worthwhile organizations this summer.
For additional information about Logos Capital Systems and its charity
initiative or its services, please visit logoscapitalsystems.com, email info@logoscapitalsystems.com or call 855-669-4096.

About Logos Capital Systems, LLC

Located in Gasport, NY, Logos Capital Systems, LLC is a nationally licensed debt collection agency that is
dedicated to a service-driven culture, industry and legal compliance, and
reputation management. Its experienced team of professionals combines
proprietary technology and data-driven analytics to provide clients reliable
asset recovery solutions for accounts at all stages of the credit cycle. The
Company fully complies with the Fair Debt Collection Practices Act (FDCPA) and
all other applicable laws, rules, and regulations. Logos Capital Systems’ leadership team are active participants in receivables trade associations
and advocate strongly on behalf of the receivables management industry.