ATLANTA, Ga. — First Financial Asset Management (FFAM360), an organization that provides revenue-centric solutions to address
all phases of the credit and revenue lifecycle, is proud to support the J.R. Stewart 141 Foundation (Foundation) alongside FFAM360’s
Chief Operating Officer and former police officer, Paul Allen. The Foundation is dedicated to the continued legacy of deceased
former police officer J.R. Stewart, with whom Mr. Allen formerly served. Mr.
Stewart left a legacy of extensive volunteer efforts and law enforcement
advocacy in his local community as well as many deep friendships in Las Cruces,
NM.

Legacy of J.R. Stewart

Ray “J.R.” Stewart died tragically at the age of 61 on November 27, 2017. The retired police officer was riding his
motorcycle when he was fatally struck by a stolen vehicle fleeing law enforcement during a high-speed chase. Mr. Stewart was loved and respected
within his community and served as a Las Cruces Police Officer for 35 years. He
was an involved member of various police, military veteran, and church
organizations where he regularly volunteered his time to serve his community. He
was survived by his wife, daughter, grandchildren, siblings and in-laws,
mother, nieces and nephews, godchildren, extended family, and many dear
friends. 

Mr. Stewart was known as a “friend to all.” According to a
2017 statement by the Las Cruces Police Department published in the Las Cruces Sun News, “J.R. was quite possibly the
most loved and respected officer our community has known. He served his country
and community with honor, and volunteered much of his time to those
organizations he held dear to his heart.” Soon after his death, his friends and
family united to create a foundation to honor and continue his good work and
further the efforts of the causes most dear to him.

Second Annual Golf Tournament

On Friday, September 10, 2021, the Foundation will hold
the 2nd Annual Golf Tournament at Sonoma Ranch Golf Course in Las Cruces, NM. Registration is open for both morning and afternoon tee times. The day will include fun, friends, food, and prizes. Business sponsorships are also available. Funds raised
will be directed toward the Foundation’s efforts supporting causes that were
close to the heart of Mr. Stewart, including Shop with 141 (which addresses low
police funding in the area by taking children of law enforcement shopping for
back to school supplies, holidays, etc.), NMSU scholarships for children of law enforcement officers, and a sponsorship program for sending young officers to
Washington, D.C. to attend the National Law Enforcement Memorial Week Services.
Funds will also support the JR Stewart “Buckle Up” campaign, a car seat initiative supported by the organization. 

Mr. Stewart was an advocate for law enforcement and their
families. The ongoing and increasing need for law enforcement support from the
community makes this a timely and effective opportunity for individuals and
businesses. Those who would like to support the fund without attending the
tournament are invited to donate online. 

Mr. Allen served with Mr. Stewart when the two
were both active police officers and counted Mr. Stewart as a good friend. Mr.
Allen will be participating in the upcoming golf tournament and would love to
see you there. he shared,  “I’m looking forward to seeing old friends and am thankful
to FFAM360 for helping to support this cause. It’s personal for me but beyond
that, it’s important to take an active role in supporting our communities and
the officers working to keep them safe. We hope others will join in and make a
difference.” 

About The J.R. Stewart 141 Foundation

The J.R. Stewart 141 Foundation is a 501(c)(3)
nonprofit organization dedicated to serving the Las Cruces, NM community to
continue the legacy of fallen retired officer J.R. Stewart. The foundation
raises funds for initiatives such as the J.R. Stewart Endowed Scholarship at
New Mexico State University, a Car Seat Safety Clinic with child safety seat
donations (with the assistance of a grant from Allstate Insurance), the Shop
with a Cop program for children in need, and more. The organization was founded
in 2018 following the tragic November 2017 loss of J.R. Stewart. The foundation is a means for his family, friends, and community to
honor his legacy and continue the service and community-building for which he
was known and loved. To learn more about the foundation or to make a donation, please visit the foundation’s website or Facebook Page.

About First Financial Asset Management (FFAM360) 

The FFAM360 Alliance of companies deploys world-class people, operations, and technology to
deliver revenue cycle solutions to their clients that optimize their credit and
revenue lifecycles. Founded in 2002 with the vision of creating a best-in-class
organization that provides comprehensive solutions across the Insurance
Subrogation, Healthcare RCM, Financial Services, and Human Resource Staffing
sectors, FFAM360
has achieved many significant awards and recognitions including being honored
by the Women’s
Business Enterprise National Council
(“WBENC”) as a Certified Women-Owned Business Enterprise. FFAM360 is headquartered just outside Atlanta, GA, with additional
offices in Phoenix, AZ and Paso Robles, CA.

ROCHESTER, N.Y. — Continental Service Group, Inc., d.b.a. ConServe is
proud to announce that Pam Murphy, Vice President of Compliance & Privacy
Officer, was recognized and received the Fred Kirschner Instruction Achievement
Award for conducting 75 seminars at the 2021 ACA International Annual
Convention held in Las Vegas, NV on July 30, 2021.

The Fred Kirschner Instructor Achievement Award is
presented to ACA Certified Instructors who have reached milestones in their
volunteer teaching careers with ACA. 
Named for former ACA Certified Instructor and Past President, Fred
Kirschner, these awards are given to instructors who have taught 25, 50, 75,
100, 125, 150 and more ACA seminars.

Pam previously
received this recognition in 2016 for completing 50 seminars, and now again in
2021 for completing 75 seminars.  ConServe
President, Richard Klein commented, “Pam serves as an inspiration and wonderful
role-model, mentor and visionary to our employees and the collection
industry.”  Pam Murphy said, “I’m
thrilled to be a part of a corporate culture that
values and contributes to both industry and community education efforts.   As
a certified instructor, I’m able to provide impactful training and guidance to
our employees and industry experts that allows them to be successful. 
This empowerment translates to the attainment of excellent compliance and operational performance
for our valued Clients and the industry as a whole.”

[article_ad]

Join ConServe on Tuesday, September 21, 2021 where Pam
Murphy will be the presenter at ConServe’s next industry webinar regarding The
Consumer Financial Protection Bureau (CFPB) Update and the impact on
Collection Agencies and the effect that will occur for commercial lenders,
credit unions and higher education institutions.  To learn more and register for ConServe’s webinars,
click here.

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, they are 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 us
Conserve at: www.conserve-arm.com

So now it makes sense.

As I just reported, a couple of consumers got blown up after suing Credit One for purported TCPA violations. I knew there had to be more to the story so I took a look at some of the filings on the docket. The reply filed by the Defendant tells the story (I don’t know if any of this is true BTW, just reporting what was filed):

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[On] July 13, 2017, Mr. Lieberman called Credit One. The Arbitrator included a lengthy excerpt of the call in his decision and stated that the call was “remarkable for what it says about Claimant’s conduct with reference to the collection calls and the credit card debt owed by his spouse.”

In the excerpt, Mr. Lieberman intentionally jammed together a request for calls to his number to stop with another question about “what’s cooking,” in a transparent attempt to confuse the Credit One representative into missing the request that the calls stop. Id. But the agent heard the request and asked Mr. Lieberman to simply verify the number that he wanted Credit One to stop calling. Id. at 13-14. Mr. Lieberman did not want the calls to stop because he was trying to manufacture a TCPA claim. Stopping the calls is bad for manufacturing a TCPA claim, for which liability increases with every additional call. So, instead of verifying the number that he wanted Credit One to stop calling, he clumsily and falsely changed course claiming things were complicated (they were not) and that he needed to talk to his wife (he did not). Id. at 13-14.

It was telling to the Arbitrator that Claimant had every opportunity to stop the calls in this conversation, but intentionally did not do so. Id. at 14. Instead, Mr. Lieberman wrote two identical letters claiming to be written on behalf of Mrs. Lieberman, but she did not know about them. Id. Credit One answered each letter by writing to Mrs. Lieberman asking for a power of attorney from Mrs. Lieberman, so they could discuss Mrs. Lieberman’s account with Mr. Lieberman. Id. at 14-15. Mr. Lieberman received the response letters, but never shared them with Mrs. Lieberman and Credit One never received the requested power of attorney. Id.

The Arbitrator observed, “In the abstract, one might, albeit with great difficulty, conclude that all of the Claimant’s and his spouse’s conduct this this case was innocent and there was a simple misunderstanding” but the “reality, however, is that Claimant decided to bring an arbitration and is seeking compensation in the hundreds of thousands of dollars for what is decidedly a fraud.” Id. at 14.

Another significant basis for the Arbitrator’s decision was his finding that “Claimant along with the attorneys representing him here” have brought highly similar TCPA lawsuits against six other financial institutions. Id. at 15. In each case Mr. Lieberman falsely applied for an account in his wife’s name and provided his (not her) cell phone number on the applications, the accounts went into default, the creditors called the false phone number that he provided on the false account application, and then he sued. Id. at 15-16. Settlements in these other cases during the relevant period generated upwards of 30 percent of Mr. and Mrs. Lieberman’s annual household income. Id. at 15-16. Id. The Arbitrator concluded, “These claims appear to be a clear business model for Claimant . . ..” Id. at 16.

Also important to the Arbitrator’s finding is Mr. Lieberman’s personal history of fraud. In 1997, Mr. Lieberman pled guilty and was convicted of securities fraud and conspiracy to commit securities fraud with a resulting sentence of nine months in jail and an obligation to repay $14.5 million in restitution and penalties. Id. The Arbitrator stated, “[Mr. Lieberman’s] conviction for fraud is … highly relevant on the issue of his credibility and his willingness to deliberately further his self-interest at the expense of society.” Id. The Arbitrator accurately recounted the elements of fraud and stated that those elements were proven. Id. at 17. According to the Arbitrator, “It is clear beyond peradventure that Claimant instituted this arbitration to fraudulently collect damages.” Id. at 17.

The Arbitrator found that Mr. Lieberman could have stopped the calls during the call on July 13, 2017, and otherwise, but he purposefully did not, because doing so would have been counter to his objective to manufacture a TCPA claim against Credit One. Id. This was a pattern he had followed against six other financial institutions. Id. at 15-16. Credit One was damaged by being required to expend attorneys’ fees and costs to defend against Mr. Lieberman’s fraudulent claim and to bring the Counterclaims. Id.
at 17-18.

So now it all makes sense. The arbitrator apparently determined the case arose out of an effort to manufacture TCPA lawsuits–this stuff happens all the time folks–and acted decisively to shut it down. Good on Credit One–and its capable lawyers!–for putting an end to this scheme (if that’s what happened.)

Ever since Stoops, of course, I’ve been the number one advocate for shutting down manufactured lawsuits and I love to see the scammers and abusers of the legal system get shut down. Stories like these should make everyone’s skin crawl.

Maine has amended its Consumer Credit Code to target loans made using a bank partnership model.  The amendments include an anti-evasion provision under which a purported agent or service provider is deemed a “lender” subject to Title 9-A, Article 2 of Maine Revised Statutes.  Article 2 contains a licensing requirement and rate and fee limits for consumer loans.

SP 205/LD 522 added a new Part 7 to  Article 2.  Part 7 contains the following key provisions:

• Any entity covered by Article 2 (i.e. entities making or servicing consumer loans) “may not engage in any device, subterfuge or pretense to evade the requirements of this Article, including, but not limited to…making, offering, assisting, or arranging a debtor to obtain a loan with a greater rate of interest, consideration or charge than is permitted by this Article through any method.  A loan made in violation of this Part is void and uncollectible as to any principal, fee, interest or charge.”

• A purported agent or service provider for another entity exempt from Article 2 will be deemed a lender subject to Article 2 if it (a) holds, acquires or maintains, directly or indirectly, the predominant economic interest in the loan, (b) markets, brokers, arranges or facilitates the loan and holds the right, requirement or first right of refusal to purchase the loan or a receivable or interest in the loan, or (c) the totality of the circumstances indicate that the entity is the lender and the transaction is structured to evade the requirement of Article 2.  The circumstances that would weigh in favor of an entity being deemed the lender include, without limitation, when the entity:

          – Indemnifies, insures or protects an exempt entity for any costs or risks related to the loan

          – Predominately designs, controls or operates the loan program, or

          – Purports to act as an agent or service provider for an exempt entity while acting directly as a lender in                 other states.

• If a creditor violates the anti-evasion provisions, the debtor is not obligated to pay the loan and can recover any payments made on the loan from the entity violating the provisions or an assignee of that entity’s rights who undertakes direct collection of payments or enforcement of rights arising from the debt.

The new Maine anti-evasion provision regarding when a purported agent or service provider will be deemed a lender subject to Article 2 closely tracks the anti-evasion provision in the Illinois Predatory Loan Prevention Act which became effective in March 2021.

BURLINGTON, Mass., — Ontario Systems, a leading provider of enterprise workflow automation software—which accelerates revenue recovery and removes friction from the payments process for clients in the accounts receivable management (ARM), healthcare, and government markets—is pleased to officially announce the appointment of Raj Sethuraman as Chief Technology Officer. 

Sethuraman, who joined the organization in May, brings more than 25 years of industry experience, building and scaling market-leading enterprise software solutions and teams for noteworthy brands including, Wolters Kluwer Enterprise Legal Management Solutions, Entertainment Partners, Intuit, and Cognizant to name a few.

“We are thrilled to welcome Raj to the Ontario Systems Senior Leadership Team,” said Tim O’Brien, CEO of Ontario Systems. “As we continue to build upon our four decades of expertise in the revenue recovery space, his leadership and more than two decades of experience driving technology transformations across the enterprise, will be crucial as he takes the helm of our product engineering and software development activities for all offerings within the company’s growing portfolio.”

As Ontario Systems’ CTO, Sethuraman is responsible for defining and delivering the company’s SaaS product vision, building upon its existing best-in-class customer excellence and innovations across the totality of Ontario’s end-markets.

“I see my role as understanding what the fundamental needs of our customers are and how we can better help them to address those needs through the use of our technology,” said Sethuraman. “Technology creates long-term transformation, and I am excited to ensure that ours emboldens that sentiment, as opposed to a short-term fix that exists in a vacuum.”

Sethuraman is a graduate of Harvard Business School’s Advanced Management Program and he’s earned his MBA from the University of Southern California, a Master of Science from the SJCE School of Engineering in Mysore, India, and a Bachelor of Science in Electronics and Instrumentation from Annamalai University in Chidambaram, India.

About Ontario Systems

Ontario Systems is a premier provider of enterprise technologies that streamline and accelerate revenue recovery for clients in the accounts receivable management (ARM), healthcare, and government markets. Through process automation and modern, compliance-minded communication and payment tools, Ontario Systems helps its client partners generate more revenue at reduced cost and fulfill their organizational mission by effectively engaging patients, constituents, and consumers.

With offices in Indiana, Massachusetts, New Mexico, and Washington state as well as employees across the country, Ontario Systems is building on 40 years of success using a distinctly client-centric approach to innovation and service. A recognized brand in the ARM market, Ontario Systems serves eight of the 10 largest ARM companies in addition to state and municipal governments across the United States. Ontario Systems also helps 600+ hospital networks—including five of the 15 largest systems in the U.S.—optimize cash collections and provide a single, satisfying patient financial experience.

To learn more about Ontario Systems, visit www.ontariosystems.com.

The U.S. Court of Appeals for the Seventh Circuit recently affirmed judgments entered in separate cases consolidated on appeal in favor of several credit reporting agencies rejecting consumers’ claims of violations of the federal Fair Credit Reporting Act (FCRA).

In so ruling, the Seventh Circuit held that the consumers’ allegations concerning the identity of the owners of their debts were not factual inaccuracies that the CRAs were statutorily required to guard against and reinvestigate under sections § 1681e(b) and § 1681i of the FCRA, 15 U.S.C. § 1681, et seq., but primarily legal issues outside their competency.

A copy of the opinion in Chuluunbat v. Experian Information Solutions is available at:  Link to Opinion.

Seven unrelated consumers incurred credit card debts that were allegedly sold and assigned to other creditor debt collectors.  The change in ownership was reported to the three prominent credit reporting agencies. 

One of the debt collectors filed suit against three of the consumers to collect payment, but voluntarily withdrew the suits after the consumers claimed that the debt collector did not own their debts, demanded proof of ownership, and requested arbitration.  The other four consumers were not sued but sent letters to their respective debt collectors similarly challenging their purported ownership of the debts.

The consumers then contacted the CRAs requesting an investigation into the accuracy of their reports to determine if the purported debt collectors, in fact, owned the debts.  The debt collectors responded to the CRAs’ inquiries by confirming ownership, but did not produce the original sale or assignment agreement in any case.  Relying upon these representations, the CRAs informed the consumers that the ownership was confirmed and their investigation was complete.

Each consumer separately filed suits against the CRAs claiming that their inclusion of allegedly false debt ownership information on their credit reports and failure to fully investigate their claims violated sections § 1681e(b) and § 1681i of the FCRA. 

In each case, the trial court entered judgment on the pleadings or dismissed each suit in the CRAs’ favor for various reasons, but all concluding that the consumers did not plead the type of inaccuracies in their credit reports that the CRAs had a duty to correct under the FCRA.  The instant consolidated appeal followed.

As you may recall, the FCRA primarily tasks furnishers (creditors, debt collectors, and the like) with providing accurate information to the CRAs, but also requires that CRAs “follow reasonable procedures to assure maximum possible accuracy of” information in credit reports (15 U.S.C. § 1681e(b)) and “conduct a reasonable reinvestigation” to determine whether information disputed by a consumer is inaccurate (15 U.S.C. § 1681i(a)(1)(A)).  A threshold requirement for claims under both sections is that there must be an inaccuracy in the consumer’s credit report.

The Seventh Circuit initially noted that it recently held in Denan v. Trans Union LLC, 959 F.3d 290 (7th Cir. 2020), that “inaccurate information under 1681i… mean[s] factually inaccurate information,” rather than “legal inaccuracies” which are outside the competency of the CRAs, and that a consumer’s defense to a debt is a legal question to resolve in an action against the creditor, not a duty imposed on the consumer reporting agencies by the FCRA.  Denan, 959 F.3d at 296.

Here, the consumers argued that whether the creditors were assigned and now owned their respective debts was a factual question, thus triggering the CRAs’ obligations under sections 1681e(b) and 1681i(a)(1)(A), relying upon the Court’s holding in Chemetall GMBH v. ZR Energy, Inc., 320 F.3d 714, 720–21 (7th Cir. 2003), that a party’s intention to assign something is a question of fact for a jury.  The consumers reasoned that upon receipt of a dispute, a straight-forward factual inquiry by the CRAs to request the relevant purchase and sale agreement would determine whether the creditor or debt collector owned the debt.

The Seventh Circuit noted that, although no clear line has been drawn between legal and factual inaccuracies in the FCRA context, review of its own decisions and that of its sister circuit courts showed that the central question is whether the alleged inaccuracy turns on applying law to facts or simply examining the facts alone.  Consumer reporting agencies are competent to make factual determinations, but they are not charged with reaching legal conclusions or resolving alleged inaccuracies under the FCRA.  Denan, 959 F. 3d at 295.

Unlike a challenge to the existence or amount of the debt, the Seventh Circuit concluded that the question of whether the disputed debts were assigned was a question that required a legal determination.

In each case here, the CRA reached out to the debt collectors and asked them to confirm ownership of the debts, which they did.  Any further investigation into whether the debts were actually assigned to the debt collectors involved more than just determining if an assignment agreement exists, but also interpreting the legal validity of any assignment —- a legal judgment outside the scope of a CRA’s competency.  See Brill v. TransUnion LLC, 838 F.3d 919, 921 (7th Cir. 2016), (holding that consumer reporting agency was not required to hire handwriting expert to determine whether plaintiff’s signature was forged on loan agreement as plaintiff claimed). 

The Seventh Circuit further noted that the consumers did have alternate recourse in that they could confront the creditors who are in the best position to respond to assertions that they do not own the plaintiffs’ debts (Brill, 838 F.3d at 921), or make notations of their disputes on their credit reports pursuant to 15 U.S.C. § 1681i(c), to notify future employers or creditors that they dispute the ownership of these debts.

Because the alleged inaccuracies here involved interpreting legal rights to a debt and making legal judgments, the Seventh Circuit agreed with the trial court’s holding that the CRAs bore no burden under the FCRA to determine whether the consumer’s debts were validly assigned to the debt collectors, and affirmed each judgment entered in the debt collectors’ favor.

RICHMOND,
Va. — Spring Oaks Capital, LLC has hired Dr. Priya Nihalani as Head of Product. She will report to Chief Technology Officer
Paul Hurlocker.

Priya
joins from Calabrio where she served as a product leader. She was focused on pivoting Calabrio’s
analytics product portfolio strategy
to improve market alignment and incorporate machine learning-driven capabilities. Priya is a recognized product
leader and entrepreneur.
She earned a Ph.D. from The University of Texas at Austin in data-driven design of technology-based environments.
Priya specializes in new product discovery and
leveraging data science to optimize and grow products that users love.
She is motivated to design consumer-focused, market-driven solutions that are optimized using data insights.

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Spring
Oaks Capital is deeply rooted in compliance, technology, and serving as a consumer-centric partner to its
stakeholders. In her new role, Priya leads the design of all Spring Oaks Capital’s technology products by converging our industry-leading user
experience, data, and machine learning
capabilities.

Paul
Hurlocker stated, “We are excited to add someone of Priya’s caliber to the
Spring Oaks Capital leadership
team. The product leadership role she fills is critical in achieving the consumer-centric mission we are undertaking.”

Priya
added, “I am humbled and delighted to be a part of the amazing team here at
Spring Oaks Capital. I cannot wait to
continue building on what they have already accomplished as we grow. My role is focused on
developing new strategies and innovative data-driven technology solutions
that give us a competitive advantage.”

About Spring Oaks Capital, LLC

Spring
Oaks Capital is a national financial technology company, focused on the
acquisition of credit portfolios.
The Company subscribes to an employee and consumer-centric operating philosophy that creates
high-value jobs, a significant performance lift, and the highest standards of compliance. Spring Oaks’ business strategy
is rooted in innovative data-driven
technology to maximize collection results and a contact platform that offers multi-channel options to meet each
consumer’s communication preference. Spring Oaks has the management vision and experience to nurture a culture and DNA that is unique in the
space. The executive team maintains deep experience end-to-end across the
consumer finance lifecycle with
some of the largest global banks and innovative FinTech platforms. To learn more about Spring Oaks and our
revolutionary FinTech platform, please visit www.springoakscapital.com.

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Show Notes: 

In celebration of the one year anniversary of Clark Hill’s CreditEcoToGo, and its 50th episode, we discuss the digital transformation of
the collections industry with Dave Hanrahan, CEO and Co-Founder of Kredit, a
next generation software platform that lets consumers interact with all their
creditors, and those collecting for them, in one place. Kredit creates options
for consumers while empowering them to make decisions about their own financial
well-being in a global and holistic way. At the same time, creditors and debt
collectors who connect with the platform must vie for the attention of the
consumer; those who are responsive and provide the best customer service will
likely be the ones who will see recovery first. Kredit is looking to not only
build tools for those who need it the most but to also empower consumers to be
in control over their own information.

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.

LIVONIA, Mich. — RevSpring, a leading provider of consumer
engagement and payment solutions, today announced that Michael
McDonnell has been appointed to the company’s executive team as senior vice
president of financial services. In his new role, McDonnell will be responsible
for the strategic direction of the financial services division, including
managing and extending the growing client base, as well as expanding into new
markets.

With more than 25 years of industry experience, McDonnell is a
highly accomplished leader and takes the role at a time when the company is
experiencing record revenue growth, market momentum and client demand. He has
spent his career directing business development, growing sales, and managing
strategic relationships and applications in the receivables management
industry.

“Mike’s background and expertise is a perfect match for RevSpring
Financial Services as we expand our business and aggressively pursue new markets
and technology opportunities,” said Scott MacKenzie, RevSpring’s CEO. “Mike
will be highly instrumental in our future growth and success.” 

McDonnell’s experience covers both third-party collection and
first-party billing applications including traditional letters and statements
as well as secure electronic communication and payment applications. He
has been an ACA Affiliate member since 1995 and has served on the ACA Board of
Directors, and currently serves as chair of the ACA Technology Committee.

About
RevSpring

RevSpring leads the market in financial
communications and payment solutions that inspire action – from the front
office, to the back office, to the collections office. North America’s leading
healthcare organizations, revenue cycle management and accounts receivables
management companies trust RevSpring to maximize their financial results
through dynamic and personalized print, online, phone, email and text
communications and payment options. Using proprietary data analytics to tailor
the engagement workflows to fit individual circumstances and preferences,
RevSpring solutions improve the consumer financial experience and drive better
outcomes.

To learn more, visit www.revspringinc.com. For
information about RevSpring’s expertise and focus in Accounts Receivables
Management, visit https://revspringinc.com/financial-services/, email info@revspringinc.com or call
248.567.7300.