Legislative Edition!s Ink... · Fresno Tel: 559-485-7900 [email protected] President-Elect/CFO Sandy Lubin Credit Bureau of San Luis Obispo & Santa Barbara Counties Grover

COLLECTOR’SPUBLISHED BY THE CALIFORNIA ASSOCIATION OF COLLECTORS | MARCH/ APRIL 2016 | VOL. 67, NO. 2

Legislative Edition !

What Pre-Employment

Testing Can and Can’t Do for Your

Business

What are the Fastest

Growing Agencies Doing

Today?

Let’s Pull on Our Boots and

Get Back to Our Roots

Region Presidents...REGION 1 Francesca Strucksberg Tel: 510-632-3366 [email protected]

REGION 2 Merged with Region 1

REGION news

UPCOMING REGION EVENTS

UPCOMING STATEWIDE EVENTS

HOLD THE DATE – JULY 20, 2016 Regional Webinar – Details to Come

REGION 3 Courtney Reynaud Tel: 559-485-7900 [email protected]

REGION 4 David Cotter Tel: 619-295-1200 [email protected]

REGION 5 Shawn Suhr Tel: 805-899-4431 [email protected]

99th Annual Conference & ExpoOctober 17-19, 2016 | Carlsbad

MARCH/APRIL 2016 2 COLLECTOR’S INK

TABLE OF contents

Editor in Chief Matthew Peralta [email protected]

COLLECTORS

©2016 California Association of Collectors, Inc. All rights reserved. Materials may not be reproduced without written permission.

CAC’SVENDORHIGHLIGHT

The PLD Group specializes in printing, mailing and database management associated with bills, statements, collection letters, and other critical transactional documents, utilizing a multi-channel delivery strategy. For over 23 years, we have specialized in helping companies become more successful by providing complete turn-key solutions. Our services include print and mail, return mail management, and marketing fulfillment services – all under our exclusive ‘no minimum’ quantity required! We understand the unique needs the collection industry regarding Data Security, Privacy and HIPAA regulations. Whether you have one letter to send or 1,000,000 letters to send, give us a call today...so you too can start collecting more money, in less time, with less effort.

Contact:

Patti Drinville, President 31-265 Reserve Drive, Suite AThousand Palms, CA 92276-6611Phone: (760) 343-0700 x102Fax: (760) 692-9507Email: [email protected]

CAC Volunteer Leadership 7

President’s Article 9

Legislative Advocate Update 13

General Counsel Update 14

Executive Director’s Report 17

Thinking about Using a Pre-Employment Test? What Testing Can and Cannot Do For Your Business

20

Keeping Up 22

Updates to the Mandatory Reporting Requirements

26

What are the Fastest Growing Agencies Doing Today to Grow Their Placements?

30

Let’s Pull on Our Boots and Get Back to Our Roots

33

From Radio DJ to Debt Collection: My Career in the Collection Industry

35

Index of Advertisers 42

MARCH/APRIL 2016 COLLECTOR’S INK 3

Big Day ofGiving

CAC EDUCATIONALSCHOLARSHIP FOUNDATION

MAY 3 , 2016

CACESF President Patrick Collins, scholarship winners Lauren Gill (1st Place),

Jeremy Leary (2nd Place), Luke Carlson (3rd Place), and CAC President Linda Guinn

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Immediate Past President Patrick Collins Herbert P Sears Company, Inc. Bakersfield Tel: 661-283-0229 [email protected]

Collector’s Ink welcomes letters to the editor and submissions from CAC members, however, we cannot guarantee that we publish any of the articles we receive. Collector’s Ink editors also reserve the right to edit all submissions.

Advertisement of products or services in Collector’s Ink does not constitute an endorsement by CAC.

Collector’s Ink (ISSN 0199-2341) is published bi-monthly by the California Association of Collectors.

The annual subscription rate for members of the Association is $30 included in the annual membership dues. Collector’s Ink is the official publication of the California Association of Collectors, Inc.

Information contained in Collectors Ink is not intended to be legal advice and may not be used as legal advice. Every effort has been made to ensure this information is up-to-date as of the date

of publication. It is not intended to be a full and exhaustive explanation of the law in any area, nor should it be used to replace the advice of your own counsel. You are encouraged to seek the advice of counsel relating to any matters affecting you or your business.Mailing Address:Collector’s Ink1 Capitol Mall, Suite 800Sacramento, CA 95814Phone: 916-929-2125Fax: 916-929-7682Website: www.calcollectors.netEmail: [email protected]

CAC Executive Committee

COLLECTORS

Member-at-Large Courtney Reynaud Creditors Bureau USA Fresno Tel: 559-485-7900 [email protected]

President-Elect/CFO Sandy Lubin Credit Bureau of San Luis Obispo & Santa Barbara Counties Grover Beach Tel: 805-481-3155 [email protected]

President Linda Guinn CB Merchant Services Stockton Tel: 209-944-9001 [email protected]

Vice President/Secretary Kelly Parsons O’Brien Credit Bureau Associates Fairfield Tel: 707-432-2401 [email protected]

CAC VOLUNTEER leadership

Budget Sandy Lubin 805-481-3155 [email protected]

Communications Kelly Parsons O’Brien 707-432-2401 [email protected]

Education Courtney Reynaud 559-485-7900 [email protected]

Legal & Legislative Fund Sean Escobar 213-985-2111 [email protected]

Legislative Council Cindy Marler 916-631-7085 [email protected]

Robert Tavelli [email protected]

Membership Rodney [email protected]

Vendor Membership Eric [email protected]

PAC Robert Tavelli [email protected]

Cindy [email protected]

Committee Chairs

FoundationEducation Scholarship Foundation President Patrick Collins 661-283-0229 [email protected]


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PRESIDENT’S article

Linda GuinnPRESIDENT

Chances are you became a member of California Association of Collectors for reasons that were important to you and/or your business. Do you recall why? Perhaps it was because CAC gives a public voice to an industry that might otherwise be ignored, or that CAC acts as a watchdog for the well-being of the collection in-dustry and your business. Did you know that each year, in California alone, there are over 4,900 new bills introduced each legislative session that could potentially threaten our business environment?

As an Association, we are very fortunate to have professional watchdogs, such as

Cliff Berg of Governmen-tal Advocates, who works with Legislative & PAC Committee Members Cindy Marler, Robert Tavelli, Tom Griffin, Esq., and many others to keep watch over our industry. Through an established network, each newly proposed bill is reviewed and appropri-ately f lagged based on its potential impact on the collection industry. Once identified, any industry-

related bills are carefully tracked, and the team develops a winning strategy. In some instances, coalitions are formed with other industry partners, further amplifying the voice of our industry. Often times the success of introducing, renegotiating, or defeating a piece of legis-lation relies on the support of legislators that support a healthy business environ-ment and understand the important role of the collection industry.

As campaigns continue to become more expensive, it is critical that CAC’s PAC continues to grow so that it may continue

to provide candidates across the board with meaningful contributions. The investment we make in our professional advocates who educate and clarify our industry issues to these individuals is just part of the process. The financial support that CAC PAC gives to candidates and elected officials assures that connection will continue through the various terms and offices held, and shows support for those elected officials who are key when it comes time to discuss our issues within the legislative process.

In order to continue to build on past suc-cesses, your PAC donations are urgently needed NOW. Please take the time to update your PAC pledge for 2016 by call-ing the CAC office at (916) 929-2125, or use the enclosed pledge form. A suggested minimum pledge is just $125.00 per month, or $1500 per year, but any contri-bution is helpful.

To those who are already contributing, we thank you. If you are unable to give the suggested amount, please give whatever you can afford to show your support. After all, pennies make dollars!

Thank you to all who continue to make this program, and our association, so successful!

Who is Watching out for Your Business?

Senator Ted Gaines (R-El Dorado) addresses CAC members during CAC’s PAC dinner at the home of Larry Cassidy.


CAC PAC Fund Contribution _______________________________________________________Company _______________________________________________________Address City St. Zip _______________________________________________________Owner(s) name _______________________________Phone _______________________________________________________Email address

Member Challenge Donation: $1,500 annually

Please accept my one-time PAC Donation in the amount of $ ____________

Pease accept my monthly recurring PAC Donation of $ __________ Beginning on ___________ and authorized for _________ number of months.

❏ Visa ❏ MasterCard ❏ American Express ___________________________________________________________Card Number ________________ _____________ Exp. Date Security number ___________________________________________________________Name Printed on Card ___________________________________________________________Signature

You May Also Pay by Check (payable to CAC PAC):

Please complete and return this form with your payment to: CAC PAC

One Capitol Mall, Suite 800 Sacramento, CA 95814

Or by fax to (916) 444-7462

Questions? Contact Kim Andosca, CAC Executive Director, by Phone: (916) 929-2125 or Email: [email protected]

Contributions or gifts to CAC PAC are not deductible as charitable contributions for Federal Income Tax purposes

LEGISLATIVE ADVOCATE update

Cliff BergGOVERNMENTAL ADVOCATES

C AC Members returned to Sacramento Monday, April 11th for CAC’s annual legislative day in the State’s Capi-tol. Monday evening they were hosted by CAC Member

Larry Cassidy for our PAC fundraiser at his beautiful home overlooking the river. A special thanks to Larry for once again opening his home to CAC Members and guests. A spe-cial thank you also to Tom Griffin, his sons and Cindy Marler for once again cooking and serving a wonderful dinner. The weather cooperated and it was a great night to be out on a deck overlooking the river.

CAC Members were joined by State Senator Ted Gaines (R-El Dorado), his wife Assemblywoman Beth Gaines (R-Roseville), Assembly Brian Jones (R-San Diego), and Assemblyman Scott Wilk (R-Santa Clarita). All four Members stayed for the evening and spoke about the need to participate in association fundrais-ing efforts, pointing out that the business community needs elected legislators who understand how a business works. 2016 will be a pivotal election year in California with an opportunity to elect pro-business legislators or pro union/consumer attor-ney politicians in a significant number of districts where the outcome is clearly in doubt. Participating in CAC PAC and fundraising events is the best way to avoid a Legislature that will pass a $15.00 minimum wage in two days without public hearing or input.

Two of our guests at Larry’s, Assemblymember Scott Wilk and Assemblymember Brian Jones are looking to move up to the Senate. In 2016, Scott is looking to replace Sharon Runner who is not seeking re-election due to serious health issues. That district includes the Antelope Valley, Santa Clarita, Lancaster and Palmdale. Brian Jones is seeking to replace Senator Joel Anderson from San Diego in 2018.

The next day, CAC began the morning program with the pre-sentation of Legislator of the Year awards to State Senator Mike Morrell (R-Rancho Cucamonga) and Assemblyman Scott Wilk (R-Santa Clarita). Senator Morrell successfully authored SB 363 last year, which increased attorney fees agencies receive on open book accounts. Assemblyman Wilk has led efforts AB 687 to fix the Greentree decision, which confuses settle-ment agreements and liquidated damages. Both Members emphasized the importance of CAC Members coming to Sac-ramento to meet key Legislators and spending time with them in their districts, inviting them to your business to see what you do, and meet your employees.

We then had a special speaker, Cynthia Bryant, Executive Direc-tor of the California Republican Party who gave an interesting overview of the current state of the Republican Presidential primary, delegate selection, possible Republican convention out-comes and how the national election could impact California races this year. Republicans picked up seats in both Houses in the 2014 elections, breaking the Democrats two-thirds major-ities. Perception was that Democrats will do better in a higher voter turnout year, increasing their chances to recapture seats lost in 2014. The current state of the Presidential race makes various scenarios possible, but we need your help to hang on to election gains and prevent the loss of both Republicans in swing districts and moderate Democrats being challenged by pro-union forces.

Members then heard from a panel on Operation Chokepoint. Two attorneys provided by the California Bankers, Leland Chan, General Counsel and Dan Wheeler, Lawyer at Bryan Cave, LLP, explained how to build a banking relationship and provide potential bankers the information they need for them to be com-fortable in working with a collection agency.


LEGISLATIVE DAY

Legislative Day 2016 wrapped up on April 12. The activities began with a PAC dinner the evening before, hosted by Larry Cassidy at his River Ranch home. The setting was great, the weather was perfect, the salad and appetizers were delicious, and the dinner was above average (to claim it was anything better would be tricky, since I had a hand in preparing the dinner). Those in attendance enjoyed tremendous comradery and, along the way, they raised money for CAC’s political ac-tion committee. Thank you, Larry Cassidy, for continuing to host this wonderful event.

Legislative Day presents an annual opportunity for CAC and its members to continue to maintain and build relationships with legislators and their staff members. This is crucial to the success of CAC. These relationships produce real results. Cliff Berg, our lobbyist, Robert Tavelli, and I met with a legislator and his legislative director before Legislative Day to talk about a bill. As a result of that meeting, the bill was pulled.

BillsUnder the guidance of Cliff Berg, CAC leadership has

reviewed the bills pending before the state legislature to identify those that may impact the collection industry. Ultimately, CAC leadership has focused on two bills.

ASSEMBLY BILL 2420

Under Rosenthal in its present form, “an attorney” is exempt from the definition of “debt collector.” In part, this exemption exists because Business & Profession Code Section 6077.5 states that an attorney who is employed primarily to assist in the col-lection of consumer debt owed to other must abide by the obliga-tions of Rosenthal. One difference though, is that a violation of B&P Code Section 6077.5 must be enforced by the State Bar, and there is no private right of action. In other words, a con-sumer cannot bring a lawsuit against the attorney under B&P Code Section 6077.5. Instead, the consumer must complain to the State Bar.

AB 2420 was introduced to expand the exemption of the definition of “debt collector” in Rosenthal to include “attorneys.” It sounds simple – going from a single attorney to multiple at-torneys. What’s the harm, right? This potential expansion of the exemption was addressed by CAC years ago. Then, and now, CAC opposed, and continues to oppose, this expansion to avoid having law firms operate as de facto collection agencies that are not subject to the same Rosenthal requirements and implications as debt collectors. CAC was able to have this bill pulled.


GENERAL COUNSEL update

Tom GriffinCAC GENERAL COUNSEL

LEGISLATIVE DAY, LEGISLATION & LICENSING ENFORCEMENT

ASSEMBLY BILL 1723

This bill was intro-duced for the purpose of causing collectors to expedite the investiga-tion and resolution of identity theft claims. The author and sponsor want collectors, who engage in credit reporting, to initiate an investigation within 10 business days of being notified of the identity theft claim and, within 10 business days after the investigation is complete, the collec-

tor must notify the consumer and the credit reporting agency of the results of the investigation. An acknowledged goal of the bill is to cause reporting to occur more often than every 30 days in situations involving identity theft. CAC continues to meet with interested parties, the author and the sponsor to address work-ability issues with the bill. In particular, we are working with the bankers to address the bill’s timeline requirements.

CONTRACTORS STATE LICENSE BOARD

Upon the entry of a judgment against a licensed contractor; a collector may submit an application to the CSLB to suspend the contractor’s license until the judgment is satisfied, provided the judgment was based on conduct that related to contracting activities. Recently, the CSLB started rejecting more and more of these applications. The CSLB has started seeking additional in-formation and documentation in support of the application and the statutory requirement that the judgment has become “final.”

The issue focuses on when a judgment becomes “final” as re-quired by the statute. One of the items the CSLB wants included with the application is a copy of the court docket in the case at hand. This poses certain issues since not every court makes these available online, and obtaining these from the clerk’s offices will be challenging and potentially costly. Further, the docket is current only at the time it is printed of copied since new documents (including an appeal or a motion to set aside a judgment or a default) may be filed at any time. As a result, the docket may not be illustrative.

Larry Cassidy, Cliff Berg and I are working with the CSLB to develop a form and a standardized process to address the concerns of the CSLB.

Senator Mike Morrell (R-Rancho Cucamonga), CAC’s 2016 Senator of the Year.


I wanted to share my thoughts, now that I’ve been involved with CAC through the conclusion of this year’s Essay Scholarship Foundation process, about the significance and

impression your program brings to your industry.

My first exposure to the program was the hundreds and hun-dreds of essays submitted by students from all over the state—organizing them for the dedicated readers, tallying their input, and then lastly contacting the three finalists. All of this was rewarding and interesting, but nothing comes close to watching those three kids read their essays, with passion and pride, and finally witnessing the presenting of their scholarships.

What an incredible program!

I look forward to working with the dedicated team again through the next year to ensure another very successful out-come for another group of deserving young people.

Below I’ve included the press release we’ve sent to media outlets throughout the state, in the hopes that you will share it, or a personalized release, with your local media.

Lastly, don’t forget to contribute to this incredible program through the Big Day of Giving on May 3, 2016. Details and reminders for that program will be sent over the next two weeks via email.

“My first exposure to the program was the hundreds and hundreds of essays submitted by students from all over the state...”

Kim AndoscaCACEXECUTIVE DIRECTOR

EXECUTIVE DIRECTOR’S report

First Impressions


For More Information Contact: Kimberly Andosca California

Association of Collectors, Inc.Executive Director

Office (916) 929-2125 [email protected]

Press Release

FOR IMMEDIATE RELEASE April 28, 2016

CACESF PRESENTS FINANCIAL LITERACY SCHOLARSHIP TO THREE CALIFORNIA HIGH SCHOOL SENIORS

The California Association of Collectors Educational Scholarship Foundation (CACESF) held its eleventh annual Scholarship Banquet on April 12, 2016, at 6 p.m., at the Hyatt Regency Hotel in Sacramento.

Three finalists were selected by a group of volunteer readers in a double-elimination style process from over 700 essays received from high school seniors throughout California. The three finalists and a parent joined members of the California Association of Collectors (CAC) at the Sacramento event and read their essays during the Scholarship Banquet. A group of distinguished judges determined first, second and third place rankings. Scholarships were awarded to:

1st place ($2,500) – Lauren Gill from Los Alamitos High School, Los Alamitos, CA 2nd place ($2,000) – Jeremy Leary from Sir Francis Drake High School, San Anselmo, CA 3rd place ($1,500) – Luke Carlson from Redondo Union High School, Redondo Beach, CA

The CAC founded the Educational Scholarship Foundation in 2005. The Foundation annually awards academic scholarships to three California high school seniors who write an essay on The Importance of Establishing and Maintaining Good Financial Credit During Your College Years. Since its inception, CACESF has awarded over $60,000 to deserving California high school seniors.

The CACESF was established to emphasize to high school seniors the importance of good financial credit management. The scholarships not only help those students who are awarded the scholarships but the hundreds of others who research and write about good financial management in the essays that they submit. For more information about CACESF, please visit cacesf.org.

CAC is a non-profit trade association that represents over 200 third-party debt collection agencies throughout the state of California. CAC provides advocacy, education, and networking, and is the public advocate for California collection industry professionals. For more information go to calcollectors.net or call CAC at (916) 929-2125. We hope you will consider sending a representative to our event.

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Your time is limited and you do not have enough of it to interview every single candidate who re-

sponds to your job posting—nor should you spend your time this way. You have far more important things to do with your time than interview someone who should never have applied for the job in the first place. This is precisely the reason why many leading organizations have turned to pre-employment testing as a means to narrow the funnel of candidates to a more manageable group of people who are most likely to be successful on the job. But what can pre-employment testing really do for you?

At the outset of this article, I should disclose that I am a partial owner of a pre-employment testing firm; as such, I think pre-employment tests are invaluable. That said, before making the decision to implement a pre-employment test, it is imperative that decision makers understand what testing can and cannot do for their business. I firmly believe that the best buyer is an educated buyer.

PRE-EMPLOYMENT TESTS CAN…

Simply stated, properly developed and validated pre-em-ployment tests provide hiring managers with additional details about candidates to help them make more informed decisions. Whether that decision is to hire the candidate or advance him/

her to the next phase of the hiring process—perhaps an interview—pre-employment tests provide information about candidates that hiring managers would not otherwise have.

This additional information pro-vided by pre-employment tests is stan-dardized across candidates, meaning that you can compare the results from one candidate to the next. In contrast, two candidates might provide differ-

ent amounts or kinds of information on their resumes—not necessarily because one is more or less qualified for the job than the other, but instead because they wrote their resumes differently. Pre-employment tests measures all candidates on the same set of characteristics or attributes—which should tie back to the job in question—allowing hiring managers to make apples-to-apples comparisons.

Candidates generally are not willing to disclose their devel-opment needs on their resumes or during interviews. Of course, you can ask a candidate during an interview to discuss his/her strengths and weaknesses, but any candidate who has received any amount of coaching on how to respond to inter-view questions will find a way to describe his/her weaknesses as strengths (e.g., “I care too much” or “I try too hard”). Pre-employment tests, on the other hand, help identify develop-

By Brad A. Chambers, Ph.D.

Thinking about Using a Pre-Employment Test?

WHAT TESTING CAN AND CANNOT DO FOR YOUR BUSINESS


ment needs from Day 1. If a hiring manager decides to hire an employee, he/she already knows the beginnings of that employee’s development plan—again, assuming that the test measures job-relevant characteristics.

Finally, properly developed and validated pre-employment tests are an effective and efficient way to screen out those can-didates who are least likely to be successful on the job, giving hiring managers a higher-caliber pool of candidates for more in-depth screening during the interview phase.

PRE-EMPLOYMENT TESTS CANNOT…

As obvious as it may sound, pre-employment tests cannot and will not solve all of your organization’s problems. If, for example, your organization has high voluntary turnover among your collectors, and this turnover stems from a team of ineffec-tive collections supervisors, hiring better collectors will not solve your problem. In fact, your voluntary turnover will probably increase in this case.

Pre-employment tests cannot tell you everything that you need to know and therefore make your decisions for you. As described previously, properly developed and validated pre-employment tests provide you with helpful information about candidates in a standardized manner, but this does not mean that they tell you everything you might want to know about candidates. Even with pre-employment tests in place, the hiring manager still plays a critically important role in weighing all available information and making informed hiring decisions.

Finally, no pre-employment test will ever be 100% accurate or effective. Job candidates are humans and not robots, and we cannot predict with 100% accuracy what another human be-ing will do—ever. The bottom line is that no hiring process or screening tool is perfect, and no one—no matter how rigorous the hiring process—can make perfect hiring decisions every sin-gle time. Sometimes you will hire candidates who turn out to be a poor fit for the job, and other times you will pass on candidates who would have been great employees if hired. The key to hiring, however, is stacking the deck in your favor so that you minimize these hiring errors.

About the Author

Dr. Brad Chambers is Senior Vice President and Chief Operating Officer of Polaris Assessment Systems, Inc. and has nearly 15 years of experience developing valid, legally defensible pre-employment testing systems for leading organizations and a variety of industries, including collections. His experience includes conducting advanced statistical analyses and working closely with client organizations undergoing government audits and other legal matters related to their hiring processes. Dr. Chambers holds a Ph.D. in Industrial-Organizational Psychology, and he can be reached at [email protected] or 513.755.0186.



KEEPING UP

CAC 2016 February Board MeetingIn February, the CAC board members and executive staff gathered in Simi Valley, CA against the backdrop of the Ronald Regan Presidential Library for their Board of Directors Meeting. Few things can beat eating lunch with President Reagan’s actual Air Force One hanging overhead!

CAC’S 2016 LEGISLATIVE DAY

On April 12, CAC members visited the offices of state legislators to advocate for legislation that will benefit our industry and against legislation that will harm it. CAC also named Assemblyman Scott Wilk (R-Santa Clarita) and Senator Mike Morrell (R-Rancho Cucamonga) as their 2016 Assemblymember and Senator of the Year, respectively.

CAC PAC DINNER

CAC continued its annual tradition of host-ing legislators at a CAC PAC dinner held at the river-front home of Larry Cassidy.

1.) CAC President Linda Guinn presents Senator Morrell with the 2016 Senator of the Year award.

2.) CAC President Linda Guinn presents Assemblymem-ber Wilk with the 2016 Assemblymember of the Year award.

3.) Assemblymember Brian Jones (R-Santee) speaks to attendees at the PAC dinner.

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CACESF 2016 SCHOLARSHIP AWARDS BANQUET

Each year, CAC concludes its legislative day with a scholarship awards banquet for three high outstanding high school seniors, who write essays about great credit habits. This year, CAC received over 700 scholarship applications, which was ultimately narrowed down to three students from Redondo Beach, San An-selmo, and Los Alamitos, California.

The finalists read their essays dur-ing the awards banquet, overlook-ing the State Capitol, and were awarded first, second or third place scholarships of $2,500, $2,000, and $1,500 respectively. Thank you to the essay readers and judges who had the unfortunate task of choosing from such a great pool of candidates, and congratulations to this year’s winners! The three of you are destined for a life of success!

7.) Boasting a sprawling view of the State Capitol and downtown Sacramento, guests were treated to this breathtaking sunset.

4.) CACESF President and CAC Immedi-ate Past President Patrick Collins did a wonderful job at keeping the night fun and entertaining, while raising a size-able amount of money to be awarded to students in the future.

5.) CAC President Linda Guinn kicked off the night, welcoming guests, scholarship contestants, and their families to the reception.

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5

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6.) Scholarship finalists Jer-emy Leary, Lauren Gill, and Luke Carlson were among over 700 applicants!

1.800.574.8801ww.IATSmartDial.com/CAC

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NATIONAL CONSUMER ASSISTANCE PLAN

Equifax, Transunion, and Experian recently announced the National Consumer Assistance Plan that will enhance their ability to collect complete and accurate consumer information and will provide consumers more transparency when interacting with consumer reporting agencies about their credit reports. The plan was announced after cooperative discussions and an agree-ment with the Attorneys General of multiple states.

IMPACT OF THE PLAN

The agreement provides for updates to mandatory reporting requirements and collection procedures. The resulting initiatives will impact furnisher reporting.

INITIATIVES

Below is a summary of upcoming initiatives, impacted furnishers, and the effective dates.

IMPORTANT UPDATES to the mandatory reporting requirements

WHO IS IMPACTED? WHAT IS REQUIRED? EFFECTIVE DATE

Collection Agencies and Debt BuyersReport the name of the Original Creditor and Creditor Clas-sification Code

6/5/2016

Collection Agencies and Debt BuyersDo not report debt that did not arise from a contract or agreement to pay

6/15/2016

Collection Agencies and Debt Buyers Report a full file monthly 9/1/2016

Collection Agencies and Debt BuyersDo not report Medical Debt collection accounts less than 180 days old

9/15/2017

Collection Agencies and Debt BuyersReport a delete for accounts that are being paid or were paid in full through insurance

9/15/2017

All Data FurnishersMinimum reporting requirements for consumer personally identifiable information

9/15/2017

Reporters of Authorized User DataReport full Date of Birth for new Authorized Users on all accounts

9/15/2017

RECOMMENDED ACTION

It is strongly advised that all Data Furnishers:

• Review the list of initiatives and the details that follow to understand which changes will affect you.• Forward this communication within your organizations in order to disseminate the requirements widely (Technology, Compli-

ance, Operations, etc.)• Ensure that your organizations successfully implement these initiatives in all affected systems and departments on or before the

Effective Dates listed above.

Furnisher Data Reporting and Process Requirement Changes, Continued


QUESTIONS?

Additional communications will be provided on this transition effort as they become available. Should you have any questions, please contact:

• Equifax: [email protected]• Experian: [email protected]• TransUnion: [email protected]

COLLECTION AGENCIES / DEBT BUYERS

INITIATIVE FURNISHER ACTION EFFECTIVE DATE

Report the name of the Original Credi-tor and Creditor Classification Code

Report the Original Creditor Name and the valid Creditor Classification Code according to the Metro 2® format. These fields are required for each account or item reported.

6/15/2016

Do not report debt that did not arise from a contract or agreement to pay

Do not report debt that did not arise from a contract or agreement to pay (including, but not limited to, certain fines, tickets, and other assessments).

6/15/2016

Report a full file monthly Report your full file monthly including accounts that are open, that are paid in the last 90 days, or that require dele-tion or correction.

9/1/2016

Do not report Medical Debt collection accounts less than 180 days old

Do not report Medical Debt collection accounts (as defined by Creditor Classification Code 02) until they are at least 180 days past the Date of First Delinquency.

9/15/2017

Remove Debt paid or being paid by insurance

Report a delete for accounts that are being paid by insurance or were paid in full through insurance (not by the consumer).

9/15/2017


Reporting of consumer personally iden-tifiable information

There will be greater reliance on collecting and reporting broader consumer identification information (Full Name and Address along with Social Security Number and Date of Birth). You should collect and report all consumer identifi-able information.

Further details will be communicated in the coming months.

9/15/2017


Report full Date of Birth for new Autho-rized Users on All Accounts

Report the full Date of Birth (month, day, and year – MMD-DYYYY) for newly added authorized users (ECOA “3”) on ALL pre-existing and newly opened accounts.

9/15/2017

INITIATIVE DETAILS BY FURNISHER, CONTINUED | ALL DATA FURNISHERS

REPORTS OF AUTHORIZED USER DATA

INITIATIVE DETAILS BY FURNISHER


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What are the fastest growing agencies doing today to grow their placements?

BY VINTON MOSS

We’re all working to grow our agencies, but what yields the best ROI?

I can tell you right now that if you write a small strategy first thing in the morning before you check your email, attend a meeting or answer the phone, you are above 95% of agencies today. If you don’t plan your day, you are in reactionary behavior and it will slow down your ability to reach your destination. I’ve seen so many agency owners get stuck in rotation, $14 an hour tasks they shouldn’t be doing. If you are reading this, you are in charge of growing the business, and thinking strategically every day is mandatory.

We’ve helped build 81 collection companies since 2002, and I wrote down some of the most effective strategies. It seems like a lot of companies to build, but it’s only 5.2 a year. The organic revenue we produced helped generate hundreds of millions of dollars for agencies over the last 15 years. What I’m going to

talk about are not my epiphanies. I work with brilliant agency owners. I will talk about the strategic choices we did together to position growth without spending a lot of money. And I think if you just did these 9 things habitually, you will thrive.

1. CHOOSE THE MOST PROFITABLE ASPECT OF YOUR

PORTFOLIO AND ACQUIRE MORE OF THE DEBT

Not the most volume, the most profitable. Then add profitable volume through marketing in a strategic market. That doesn’t just mean starting a commercial division. Allow me to suggest an example. Our Overdraft Collections partner has a consistent 30-60% liquidation rate. All they focus on is collecting overdraft balances for banks and credit unions. They actively market under the name OverdraftCollections.com.

2. ONCE YOU LAND A TOP COMPANY IN YOUR INDUSTRY,

GO FOR ALL THE TOP PROSPECTS

I’ve witnessed a 23-collector shop with good compliance ink a deal with a multi-billion dollar, publically traded company based on experience and performance. More importantly, they took the paper from a much larger agency. Once you solve an industry problem, do it for everyone in the industry. This is where it gets tricky; I will provide an example. We worked on an agency that collected for Retirement Care Facilities. This would typically fall under medical collections. It’s not Medical Collec-tions, but it kind of is because elderly require consistent medical attention. We recognized this. We serviced the top two Resident Care facilities in the nation. We wanted the top 10. Therefore, we actively marketed to the other eight and acquired two more based on our experience in eight months. This quickly increased the size of the queue, and no new procedures or major software integrations were required.


3. DON’T JUST SAY YOU HAVE BETTER COLLECTION RE-

SULTS, PROVE IT

I assume you understand those collection reports pulled from your software, but most prospects need a black and white pre-sentation. This can be articulated in a cost-benefit analysis. I’ve seen more than a dozen agencies double their size just by taking the time to show their true value in a RFP/RFI. Go to www.vintonmoss.com/costvsbenefit to see an example cost vs benefit diagram.

4. INTEGRATE WITH ENTERPRISE RESOURCE PLANNING

SOFTWARE SOLUTIONS (ERP)

We worked with the nation’s largest Property Management col-lection agency. They integrated with the top 5 property manage-ment ERP Software Solutions. Let me paint the picture. After 60 days, the software automatically submits a placement to the agency of choice. I believe accepting that your client might be too lazy is the future of easy placements; I currently do this with one of our companies, Attorney Receivables. About 7 percent of 60 days default automatically flows to our fulfillment agencies.

5. ORGANIZE YOUR OPPORTUNITIES

This is probably the biggest problem in collection sales today. Agencies don’t follow up. It seems that if there is not an immedi-ate demand, the opportunity is ignored. Debt Collections are one to five percent of a CFO’s problem, which is not a high priority. If you want the portfolio, you got to be the squeaky wheel. The only way to stay on top of your opportunities is to be organized, and we built an entire solution around this with SalesCollect.com. Proper organization and monthly follow-up is going to increase your results by 32 percent.

6. BURY YOUR BAD PR WITH GOOD PR

Google your agency’s name. If you see Yelp, a Google rating, or Rip-off report giving you a bad rap, you can change it. There are a few things you can do right now. Set up a Facebook, LinkedIn, Yellow Pages, Twitter, Instagram and Google+ company page in your company’s name. I know, what would you post on Insta-gram? It doesn’t matter - the way Google ranks results is by heav-ily trafficked websites and the number of links to your website. So they’re going to display these results and your company page before anything potentially negative. You can do this for free.

7. GET SOCIAL

LinkedIn is my new lead generation source. I can identify deci-sion makers at companies I want to work with. I see the person’s entire history and they see mine. I can email them a custom mes-sage directly, earn their respect and then do business together. Sounds too easy, doesn’t it? Well it doesn’t work 100 percent of the time but it works about 25 percent of the time, and I’ll take it because it’s free, I get to choose who I want to work with, and I don’t have to explain my service. My profile and endorsements do it for me.

8. LOOK LEGIT

If you haven’t updated your website in 5 years, you don’t look legit. Technology has changed too much in the last 3 years. User defined content is becoming the new norm. What does that mean? Prospects are taking less of your word for fact and more of the masses’ feedback. You want to create a website that allows users to submit content. Keep a few negative responses, resolve them, and keep the majority positive.

9. GET PEOPLE TO REMEMBER YOU

If your name is nebulas no one is going to remember you. This is madness, but we have so many things on our minds unless a brand or company is memorable. We forget and your prospects are literally not remembering you: For example, attorneyreciev-ables.com is a group of collectors that work for attorneys. Don’t name your company after you and your partner’s last name combined, don’t give your company a name of a Greek God from 2000 B.C. because it sounds cool. Just tell them what you do, or how you benefit them in your brand. They will remember the simplicity and contact you when they are ready for the service. That being said, I know it’s against FDCPA Law to display a name that is associated with a type of bill collection. The name you use to market to prospects for relevance can be different than what you send to debtors without a licensing change.

If you have a great agency, ideas, questions, or want to talk, email me anytime. I invest in nearly every firm we help build. [email protected].

The proverbial question: “If a tree falls in the woods and no one is around to hear it, does it make a sound?” Mankind has debated this topic for generations. Philosophically, we can argue many responses to this query. Perhaps no one will ever really know the answer. But with certainty we do know that trees fall every day. We have no ability to stop this process and whether we are there to bear witness to the crash, or not, the process continues perpetually.

This scenario is quite similar to the current regulatory and compli-ance environment within the collections industry. No matter what sector of the industry you may work in, first party or third, we have suffered through an onslaught of new aggressive regulatory agencies, problematic state and federal legislation, and predatory

law firms determined to continually badger good operators. This insanity has got to stop and will only do so with the positive ener-gies properly focused by industry players. Pull on your boots, join hands, and get back to your roots…or stop complaining!

Business associations across the US, including ACA International Inc., the trade association of credit and collection professionals, have been desperately campaigning to obtain the valuable as-sistance of business operators in a movement to affect change and pave a smoother pathway for our industry. Local chapters of these groups continue to lament the apathy of membership and declin-ing number of participants at organizational meetings. Everyone is concerned but few are engaged in proactive actions that can make a difference and assure the continuation of the invaluable services we offer to the business community and economy overall.

Often as I attend industry meetings and conduct training pro-grams attendees ask, “What is leadership in our industry doing about the mess we’re in right now?” If you ask this question then you are not properly informed. If you wonder if you personally, or your firm/department is doing enough to make a difference, then you haven’t reached out to truly understand the issues and obstacles that need attention.

What can you do to help with positive change? Will your boots on the ground really make a difference? Imagine yourself walking in the woods. It is only you walking on untouched beautiful grounds. After several hours of enjoyment of the serenity you decide to return to where you started. But there is no pathway. No sign that you or anyone has been there.

Now imagine 1,000 hikers following you on that same walk. There are many boots on the ground. Not just today but every day they make that same journey between towering trees, around rock obstacles and over picturesque streams and fields. In no time there will be evidence of a path, a clear indication that someone has been here before. Obvious evidence for those that follow in the weeks, months and years to come that, “someone has walked down this path and I now know clearly where to head and from where we have come.” This is the very core concept of grass roots movements that make a difference and drive change over time. Without the action of many, our industry will suffer a continued unsettled, problematic culture challenged by only a few lone voices.

WHAT CAN YOU DO TODAY?• Contact ACA International, Inc. at www.acainternational.org

and inquire about how you can become involved on a local and national level.

• Become active in local/regional chapters of ACA and join forces with your regional colleagues.

• Interact with trade associations in the medical, financial, telecom, and other industries to understand their similar concerns and initiatives that may mirror ours.

• Contact your state and federal legislators, let them know you are a constituent, and express your business concerns for the difficult environment in which we are forced to operate.

• Be responsive to industry “calls to action” and write letters, make calls to colleagues to engage their assistance and ask, “What can I do to help?”

I was recently working at my weekend home and had to move a very large slab of marble that was serving as a tabletop. I attempt-ed to move the top alone and couldn’t budge it an inch. With the help of one other, we were able to lift each end but couldn’t walk with it. A third person offered help and the two on one side were ok but the sole lifter on the other struggled. Then appeared the fou rth helper and with ease we moved the tabletop. It just took that one other person, that extra effort. There is strength in numbers to reach success. Pledge to be part of this industry’s heavy lifting today by placing your boots on the ground and taking the steps necessary to be part of the pathway to a better business environment.

We encourage our readers to submit a “best practice” idea for inclusion in this column. Until next time, I’m in a collection office near you!

Harry A. Strausser III is president of Remit Corporation/Interact Training & Development. Contact him at harry@ remitcorp.com.

LET’S PULL ON OUR BOOTS AND GET BACK TO OUR ROOTS

BY HARRY STRAUSSER III



From Radio DJ to Debt Collection: MY CAREER IN THE COLLECTION INDUSTRYBY KELLY PARSONS O’BRIEN

T he collection industry has run in my blood from a very young age. My grandfather and mother worked in the industry, and although many family dinners

were full of “shop talk,” I never thought that I would one day join the family business.

In fact, my plan was always to be a radio DJ. That dream ended rather abruptly in 1998, when my mom called to offer me a job I couldn’t refuse—Collection Manager at her company. The position would pay me a lot more than I was making work-ing a swing shift at Wells Fargo Bank and going to college during the day. The money, the schedule, and the opportu-nity to move back to Fairfield with my friends made it an easy decision to make. Now, almost 20 years later, I know that I am truly living my dream.

Back when I first started in the collection Industry, I believed the laws and regulations were clear, and the people who followed them were safe. Unfortunately, we are now operating in an environment of calculated risk, and even if we do follow the law, we still might be sued.

As a new business owner, I view the future of the collection industry as both exciting and frightening all at the same time. At our office, we chose to be optimistic that we will get some clear direction from the state and federal government about how to do our job legally, with less risk of being sued.

In the meantime, we stay active in the industry to stay knowledge-able about changes in the law, and collaborate with other agencies that are members of CAC to ensure our voice is heard. We have been attending Legislative Day with CAC and supporting our

CAC PAC in the hopes that these small things will make a big dif-ference when it really matters.

But for most of my career, this was not the case. I only attended an occasional CAC meeting or training. Sitting on the sidelines, it

was easy to believe that the agencies that were involved with CAC would be able to watch out for our industry and my business.

That mindset changed four years ago, when I was about to become the owner of Credit Bureau Associates, and someone approached me at a CAC Regional Meeting about becoming more active within CAC. It was one of the best decisions I ever made.

Over the last four years of my involvement with CAC, I have realized that every person in the collection industry has to stand up and work together to help one another. We can no longer sit back and hope that optimism is enough. We

must all work together to be heard.

As an agency owner, I truly believe that we all have to step up to the table. If we do not come forward to advocate for our industry, then someone that is not very concerned about my agency, or the 40 employees that depend on me for their livelihood, will advocate against it.

As I continue my adventure of sitting on CAC’s Executive Com-mittee, it is my hope that I can reach a few of the members that are not very active, and show them how being active in CAC can help them grow their business.

The education opportunities, networking, sharing of ideas, friend-ships made, and wealth of knowledge our association members have, help each and every one of our members personally and professionally, and your participation would only further that.

“...my plan was always to be a radio DJ. That dream ended rather abruptly in 1998, when my mom called to offer me a job I couldn’t refuse—Col-lection Manager at her company.”

BIG DIFFERENCEWILL MAKE A

SOFTWARECOLLECTIONRIGHT

THE

www.collectone.com | 888.816.3333 | [email protected]

Pre-Collect

Utilities

Government

Automobile

Banks

Insurance

Debt Buyer

Commercial

Student Loan

Payday Loan

Healthcare

Legal

Retail

Subrogation

First Party

Minimize costs. Maximize results.

HiringOur HeroesAmerica’s military are returning home and need jobs! ACA has teamed up with Hiring Our Heroes, a free program that matches employers with veterans or military spouses. Find well-trained, prospective employees for your organization. Register at ww.hiringourheroes.org.


PAC L&L

CAC needs your support for both the PAC and the L&L Funds to ensure the continued promotion of CAC’s principles in the legislative process. Remember, your donations, no matter what size, make a difference. With your help and support, we will continue to improve your business environment and protect your right to conduct business in California. CAC extends its thanks to contributors to the current PAC and L&L Fund campaigns. Contact the CAC office at 916-929-2125 to make a pledge and receive an invoice, or print page 47 of this magazine.

SUSTAINING DIAMOND FOUNDERSCollection Consultants of California –

Ewing Bartgis & Matt LoganCredit Consulting Services, Inc. – Rodney MeeksNorthern CA Collection Service, Inc. – Larry CassidyUSCB America – Mel Shaw & Albert Cadena

DIAMOND FOUNDERSFinancial Credit Network, Inc. – Alicia SundstromStates Recovery Systems, Inc. – John & Judy Yaklin

PLATINUM FOUNDERSHerbert P Sears Company, Inc. – Patrick Collins

FOUNDERSCredit Bureau Associates – Kelly Parsons

BENEFACTORCredit Bureau of Ukiah – Bob & Melissa BurkeCB Merchant ServicesEllis Law Group – Mark EllisTerri Collins Team (CAC First Lady for 2015)Butte County Credit Bureau – Patti Souza

DONORSPacific Credit Services – David HemrickFresno Credit Bureau – Courtney ReynaudContinental Credit Control – Shawn SuhrCIR, Law Offices – Felipe Becerra

SUSTAINING DIAMOND FOUNDERSCollection Consultants of California –

Ewing Bartgis & Matt LoganNorthern CA Collection Service, Inc. – Larry CassidyUSCB America – Mel Shaw & Albert Cadena

DIAMOND FOUNDERSierra Receivables Management, Inc. – Carmen Saylor

PLATINUM FOUNDERSCredit Consulting Services, Inc. – Rodney Meeks

FOUNDERSButte County Credit Bureau – Patti SouzaFinancial Credit Network, Inc – Alicia SundstromEllis Law Group – Mark Ellis

BENEFACTORSCIR, Law Offices – Felipe BecerraCredit Bureau of Ukiah – Bob & Melissa Burke

DONORSPacific Credit Services – David Hemrick

PAC and L&LPolitical Action Committee and Legal & Legislative Funds

PAC AUCTION PARTICIPANTS AND SUPPORTERS These people have attended, donated and/or purchased items during a PAC fund raising auction. Thank You!Francesca StrucksbergUSCB AmericaNat & Alma RubinfeldTerry PaffLinda GuinnMatt LoganAngela LoganChris KeelerShawn SuhrHunter QuinnKelly Parsons-O’BrienSandy Lubin

Rodney MeeksKris DavissonWendy AndersonCourtney ReynaudMaryrose DiazPatrick CollinsLarry CassidyCindy MarlerAlbert CadenaJim Hughes Eric RossJune Coleman

John & Judy YaklinMark EllisBrandon ReevesAmanda GriffithAndrew SteinheimerRon PoirierCarol CapriottiShawn DeLunaRegina CameronTracy ChapronMike CheekLloyd & Mary Dix

Fran FisherTom GriffinMaria MayorgaCharles MesserFrank & Carrie NielsenReid MillerTanya RichardsonTanya SiepMichelle ShafferCliff StephensStephen & Beth TurnerDawn Updike

Kyle VonAllmenJeanne ZimmerPatrick MorrisLeslie BenderJanee SearleHyrum WrayKellie O’HernBrian Wiggins


Card Holder’s Name:

Card Number: ___________________________________Expiration Date: ____________________Security Code:

Billing Address:

City: _________________________________________________________ State: ___________Zip:

Signature: ______________________________________________________ Date:

Political Action Committee (PAC) FundSeveral thousand bills continue to be introduced into the Legislature every session. Several hundred of these bills may affect the collection industry and, ultimately, your business. The CAC PAC Fund needs your support to help elect legislators who favor creating a pro-business environment in California; an environment that allows businesses like yours to grow and prosper.

Company Name:

Contact Person:

Address:

City: _________________________________________________________ State: ___________Zip:

Phone: _________________________ Fax: ___________________________ Email:

Name(s) under which donation will list in Collector’s Ink:

L&L FundFounder: ❏ $500 single payment OR ❏ $50 per month ($600)

Benefactor: ❏ $250 single payment OR ❏ $25 per month ($300)

Donor: ❏ Single contribution of

$

Please select from the following choices:

PAC FundFounder: ❏ $1,500 single payment OR ❏ $125 per month



$

Enclosed $ _____________________ Please make separate checks payable to CAC-PAC and/or CAC L&L Fund.

❏ Save me the paperwork! Renew my pledge annually until I choose to cancel.

❏ Check enclosed ❏ MasterCard ❏ Visa ❏ AMEX

Legal & Legislative (L&L) FundThe Legal & Legislative Fund may be utilized for CAC’s direct involvement in legal or legislative issues that affect the collection industry as a whole. The L&L Fund allows our Association to draft and support legislation beneficial to the collection industry, as well as to actively oppose anti-business and anti-industry legislation. It also provides the funding for the Association to support or oppose legal challenges in both state and federal courts on behalf of the collection industry.

COLLECTOR’S INK 39

The Educational Scholarship Foundation was founded in 2005 by the California Association of Collectors (CAC). The California Associa-tion of Collectors’ Educational Scholarship Foundation (CACESF) awards three scholar-ships during the CAC Legislative Day Confer-ence in Sacramento each spring. First place is awarded $2,500, second place $2,000, and third place $1,500. To date, the foundation has awarded $60,000 to high school seniors.

The scholarship requires a simple one-page ap-plication and an essay on “The Importance of Establishing and Maintaining Good Financial Credit During Your College Years.” The scholar-ship is available to any California high school senior for use at any accredited college, univer-sity, or vocational school.

Annually, CACESF receives nearly 800 scholar-ship applications. CACESF expects the numbers to grow each year. CACESF would like you to consider supporting the scholarship program. Help our future leaders by giving them the opportunity to research, learn, and share with others the importance of good credit while also demonstrating the generosity of the collection industry.

If you would like to donate to the scholarship fund, a 501(c)3, charitable foundation, call the CAC office at 916-929-2125 to make a pledge and receive an invoice, or visit the website, cacesf.org, or print the Pledge Form on the next page.

USCB America – Albert Cadena

CB Merchant Services – Linda Guinn

Collection Consultants of California – Matt Logan

Kronick Moskovitz Tiedemann & Girard – June Coleman

Financial Credit Network – Alicia Sundstrom

Credit Consulting Services, Inc – Rodney Meeks

Fresno Credit Bureau – Courtney Reynaud

States Recovery Systems – John Yaklin

Vickie Kirk

Brian Wiggins

Continental Credit Control – Shawn Suhr

Credit Bureau Associates – Kelly Parsons

Credit Bureau of Ukiah – Bob & Melissa Burke

HP Sears – Patrick Collins

Credit Bureaus of San Luis Obispo & Santa Barbara Counties – Sandy Lubin

Northern CA Collection Service – Larry Cassidy

DAKCS – Lex Patterson

Karl Hillard

Hunter Quinn

Absolute Resolutions Corp.

American Revenue Management, Inc.

Cedar Financial Company

Coleman& Horowitt LLP

Freedive Shop

Grant Mercantile

Law Office of David Cotter

State Collection Service, Inc.

2015 Supporters

CACESFCAC Educational Scholarship Foundation


CACESF Fund

CACESF Pledge Form

Card Holder’s Name:

Card Number: ___________________________________Expiration Date: ____________________Security Code:

Billing Address:

City: _________________________________________________________ State: ___________Zip:

Signature: ______________________________________________________ Date:

The CACESF is a 501(c)(3) non-profit charitable foundation. All donations are tax deductible. Tax ID Number: 56-2521491

Company Name:

Contact Person:

Address:

City: _________________________________________________________ State: ___________Zip:

Phone: __________________________________________Email:

Name(s) under which donation will list in Collector’s Ink:

Award LevelsPlatinum Founder: ❏ $7,500

Gold Founder: ❏ $5,000

Silver Founder: ❏ $2,500

Founder: ❏ $500 single payment OR ❏ $50 per month ($600)



$

Please select from the following choices:

Enclosed $

❏ Save me the paperwork! Renew my pledge annually until I choose to cancel.

❏ Check enclosed (Please make separate checks payable to CACESF.)

❏ MasterCard ❏ Visa ❏ AMEX

Founder $500 per year OR $50 per month ($600)

Benefactor $250 per year OR $25 per month ($300)

Donor Any donation $25 - $249

Platinum Founder $7,500

Gold Founder $5,000

Silver Founder $2,500



INDEX OF advertisers

*denotes CAC Vendor Members

BUSINESS SERVICES

Expert Agency Appraisals from $300.Call Ray Edwards,

CAC Past President 1976-1977.760-231-1147

COLLECTION network

ADVERTISE WITH CAC!The best strategy to reach collection agencies and potential

business partners is an integrated media program that combines the best of print and online communications. Our readers are likely to support your brand when you

become a part of their world.

California Association of Collectors, Inc. 1 Capitol Mall, Suite 800Sacramento, CA 95814

[email protected] | www.calcollectors.net

CACThe Association of Collection

Professionals in California

Business address changed?New website or email address?

Need to hire someone? Need to find a job?Selling office equipment or furniture?

Place an ad here!Call CAC at 916-929-2125 or visit

www.calcollectors.net today!

Help us keep our membership records current so that you receive the most

up-to-date information possible. Send your changes to [email protected]

or call 916-929-2125.

ACA 19, 37

Accurate Computer Technology, Inc.* 12

Advanced Payment Systems* 8

Billing Tree* 37

CAC Scholarship Foundation 5

CDS Software* 36

CLEAR, Thomson Reuters* 8

Columbia Ultimate* 34

Compumail* 16

Comtech Systems, Inc.* 16

Comtronic Systems* 32

CSS Impact* 29

DAKCS Software Systems, Inc.* 25

DiBuduo & DeFendis Insurance Brokers, LLC* 11

EFT Network, Inc.* 29

Global Connect* 28

IAT Interactive Data* 24

LexisNexis* 6

Ontario Systems* 24

PDCflow* 6

PLD Group* 3

RevSpring* 4

2016 ANNUALCONFERENCE& EXPO OCTOBER 17-19, 2016SHERATON CARLSBADRESORT & SPACARLSBAD, CALIFORNIA

Documents

Legislative Edition!s Ink... · Fresno Tel: 559-485-7900 [email protected] President-Elect/CFO Sandy Lubin Credit Bureau of San Luis Obispo & Santa Barbara Counties Grover