SCOPE
w w w . c o m m e r c i a l c o l l e c t o r. c o m
Sept-Oct 2016
Vol. 48, No. 6
Published by
the International
Association of
Commercial
Collectors, Inc.
Finding a Creative Payment Route for the
Debtor Can Be Key to a Claim’s Resolution
A revised excerpt from the book, Making It & Breaking in Japan –
My True Story of Songs, Sins, and Solitary
By Steven Gan, President, Stellar Risk Management Services, Inc.
H
aving lived in Japan for 15 years
and operated my own debt
collection agency in Tokyo for 12 years,
I’m often asked about the differences
between collections in Japan and the
U.S. With all of my years of collection
experience in Japan, I discovered a few
important cultural perspectives as to how
the Japanese perceive owing money. Most Japanese are embarrassed about
not having the ability to pay their debts.
They want to pay, they have the volition
to pay, but in most cases they may not
have the ability to pay. There were cases when Japanese
debtors, who had every intention of
paying their debt obligations, couldn’t
because they were unemployed with no
source of income. When I ran into this
kind of situation I would often ask if they
were actively looking for employment.
In most instances they were, but after
Japan’s economic bubble burst in 1991
and the economy remained stagnant
throughout the rest of the ‘90’s, many
people, particularly those in their fifties
and sixties, could no longer find work.
They were either deemed too old or too
expensive to hire. In trying to understand an
unemployed debtor’s level of desire to
work, some of the questions I asked
included: • How many resumes are you sending
out each day? • Do you call any companies directly to
see if they might be hiring?
• How well are you leveraging your
networks to try and get introduced?
• Are you available to work in any field
including jobs that require a lot of
manual labor?
For me, if the debtor was willing to
do any kind of job then it was possible
I might be able to help them gain
employment. I’m not sure how many debtors we
helped through this kind of approach,
but it must have been a few dozen. As
you can imagine, when a fifty-five year
old man who has been out of work for a
few years finally gets the chance to start
working again, he has a renewed sense of
hope for his life, the well being of his
family, and the future.
I’ll never forget the time when one
gentleman, Mr. Tachibana, showed up
at my office with his three kids who
were ten, eight, and five years old. Mr.
Tachibana had fallen on hard times. He
had lost his job, his home and was living
in his car with his three kids. Tragically,
his wife had also passed away a few
years earlier and his youngest son had a
serious case of asthma. Plain and simple,
he was down on his luck. Finding a job
where he was able to take care of his
kids and work at the same time was
challenging.
Mr. Tachibana had an unpaid
mobile phone bill of about 220,000 yen
(about $2,000) and through one of his
relatives I was able to get in touch with
him. I appreciated him coming in and
explaining his hardships. I asked if he
was actively seeking employment and he
responded with a resounding “yes.” He
then looked at me as though I was the
messiah who was going to lift him out of
his economic and emotional black hole. When I told him about our Debtor
Employment Assistance Program, he was
excited and told me he would do any
job as long as it either paid enough for
someone to watch his kids, or have his
kids in the same location while he worked.
I also mentioned I knew of a small
trucking company that could use his
help delivering small packages in his
car throughout Tokyo. Again, his eyes
lit up with tremendous hope and after
continued on page 3
1
PRESIDENT’S
OFFICERS
Recognition:
Fostering Awareness
of the IACC brand
Greg Cohen
President
Caine & Weiner
Woodland Hills, Calif.
Bill Mann
Vice President
Joseph, Mann & Creed
Twinsburg, Ohio
Robert Tharnish
Treasurer
ABC – Amega, Inc.
Buffalo, N.Y.
Tom Brenan
Immediate Past President
Altus GTS, Inc.
Kenner, La.
DIRECTORS
Wanda Borges
Borges & Associates LLC
Syosset, N.Y.
Randy Frazee
BARR Credit Services
Tucson, Ariz.
Paul Eisenberg
Johnson, Morgan & White
Boca Raton, Fla.
Thomas Hamilton
American Lawyers Quarterly
Cleveland
Robert P. Ingold
Commercial Collection
Corp. of NY
Tonawanda, N.Y.
Albert Knowles
A.V. Knowles & Co Ltd.
Port of Spain, Trinidad
Ronald Stiegel
Euler Hermes Collections
North America
Owing Mills, Md.
Anthony Terry
Continental Recovery
& Filing Solutions
Simi Valley, Calif.
LETTER
By: Greg Cohen, IACC President
S
o far this year, I have been reviewing the
four objectives of our 2016-2018 Strategic
Plan: Member Value and Membership Growth,
Retention and Engagement, and Partnerships and
Alliances. This issue let’s discuss the fourth and
final objective: Recognition. IACC is the premier
organization in the commercial collection industry
– let’s shout it from the rooftops! OK, after
you have done that, following all ladder safety
precautions, here are some other ways to increase
recognition and awareness of IACC through
focused branding and marketing efforts:
Create opportunities for interaction with
credit grantors – Our annual and mid-year
meetings provide the face-to-face experiences
that help solidify and expand our knowledge
and practices. Mark your calendars and let your
colleagues know you are attending these can’t-miss
events -- our Annual Convention January 11-13,
2017, in Miami, and our Mid-Year conference
July 14-16, 2017, in Seattle. In addition to the
in-person opportunities, our updated website
provides easy access to our membership database
and a listserve forum where members can post
questions and comments and learn from each
other.
Determine role of certification within IACC
– Our Certified Commercial Collector Program
provides collection professionals cutting edge
skills and a level of quality assurance backed by
the IACC brand. Marketing this certification
promotes both the collection professional’s agency
brand as well as builds on the branding of IACC.
Emphasize IACC’s core values – Setting
the example by following these principles help
validates the IACC brand:
• Ethics – Collaboration, integrity, trust, fiscal
responsibility
• Education - Knowledge and growth
opportunities, industry recognized certification
programs
• Leadership - Setting standards to be
recognized as the benchmark for excellent
service
• Mutual Support - Networking to share
information, ideas and concerns, learning from
each other
• Triadic System - Guiding principle among
stakeholders (agencies, law lists and attorneys)
Increase external marketing – Partnering with
Communication Solutions Group has streamlined
and expanded our communications efforts and
vehicles. We have rebranded our logo and website,
and with our newly formed Media Response
team, IACC can provide reliable and timely
information on commercial collection issues via
press releases, publications, and expert interviews
from our members. Our Media Response Team
can be contacted at (215) 884-6499 or leza@
comsolutionsgroup.com.
Maximize “B2B” newsletter circulation
– First, make sure you are signed up to receive
IACC’s B2B newsletter by inputting your e-mail
address at the bottom of our home page: www.
commercialcollector.com Next, share the link with
your colleagues to sign up as well. Reference
articles in your LinkedIn posts, blogs, etc., or start
discussions about article topics with fellow IACC
members on our website’s listserve forum.
Bringing more awareness to the IACC
brand will help bolster our other Strategic Plan
Objectives to provide value, to grow, retain and
engage our membership, and to strengthen and
expand our partnerships and alliances.
As always, I would like to thank the IACC
Directors, Board Officers, Staff, and Public
Relations Firm for their assistance in supporting
the mission of our association.
Yours in IACC Membership,
Greg Cohen
[email protected]
2
Finding a Creative Payment Route
continued from page 1
a few phone calls I sent him on his way
to the trucking company where he was
immediately put to use making deliveries. About two weeks after Mr. Tachibana
started working at his new job, I received
a payment of 10,000 yen ($100) from his
employer that went towards his mobile
phone bill, knowing full well that at that
rate it would take almost two years to
repay the debt. Yes, it was a long time
to pay off a relatively small amount of
money, but in the end it was better than
nothing. Six months into the job, Mr.
Tachibana was hired by the company to
work full time, and after two years he
was promoted to vice president. At each
promotion, the amount to pay off the
original debt also increased and it was
settled within a year.
Every time we assisted an unemployed
debtor in finding a job, we not only
brought that individual back from the
brink of economic and moral despair,
but also helped them to transition back
into being a constructive, productive and
contributing member of society. It was
times like these when I was proud to think
of my debt collection agency as being a
“socially responsible and contributing”
member to Japan’s well being.
Bio of Steven Gan
Steven Gan
was the founder
and president
of Advance &
Associates Co.,
Ltd. in Tokyo
from 1992 –
2004. Advance & Associates was the first
company to create and implement the before
and after sales total credit risk management
product line system in Japan. Through numerous articles, publications,
presentations, and television appearances,
Steve greatly deepened the awareness and
understanding of the importance of sound
credit risk management throughout Japan.
Steve recently wrote the book, “Making
It & Breaking It in Japan - My True
Story of Songs, Sins, and Solitary,” which
has become a best seller in the areas of
Japanese Culture, Business in Japan, and
Japanese Criminal Justice. Please view the
promotional video at: https://www.youtube.com/
watch?v=Zw0l3qPjsCQ
Steve is a native of Chicago, Illinois,
graduated from the University of Illinois
with a BS in Electrical Engineering,
and graduated from the Thunderbird
– Garvin Graduate School with a
Masters of International Management.
Mr. Gan is also a Certified Public
Accountant, Certified Credit Executive,
and a Licensed Insurance Provider. Finally,
Mr. Gan has been the only foreigner to pass
the Japanese Insurance Licensing Exam.
If you’d like to submit an article for
publication in Scope, please contact
Sara Bobrowski by email, Bobrowski@
commercialcollector.com or phone, (952)
925-0760.
Certified Commercial Collector Recertification Online Seminar
Tentative Schedule for 2016-2017 Year (Dates and speakers subject to change)
T
he tentative schedule for the IACC
certified commercial collector
(CCC) program has been set. Please
check back to the IACC website for
finalized dates, updated details and to
register for upcoming seminars.
Collection Calls and Telephone
Techniques Part 1
November 2016
Speaker: George Kern
Credit Instruments
January 2017
Speaker: Lorna Walker
Collection Calls and Telephone
Techniques Part 2
February 2017
Speaker: George Kern
Collection Laws
May 2017
Speaker: Wanda Borges
Skiptracing
March 2017
Speaker: Jim McConville
Client Relationships
April 2017
Speaker: Bob Ingold
3
Board of Directors Seats Available!
T
here are two potential board openings
available for 2017 to members qualified
and willing to serve. If you are that person,
please forward your name along with a brief
description of why you would be interested in
serving no later than Nov. 4. The qualifications
are listed below.
All members of the board of directors
shall be members of the association in good
standing. To be nominated to run for a
position on the board of directors, the member
must:
a) Have been a member for two full years
preceding the year of nomination.
b) Have attended at least one Annual
Convention or Mid-Year Conference
during the past three (3) years.
c) Have the member’s name submitted
to the general membership by the
nominating committee.
d) N
ominees for the nine dedicated agency
member board of directors seats must be
from an IACC member agency involved
in commercial collections. Nominees
for the one dedicated associate member
board of directors seat must also be
from an IACC law firm involved in
commercial collections. Nominees for
the one at large board of directors seat
must be from an IACC member agency,
associate member, law list member or
affiliate member class.
e) The nominee accepts with knowledge
that they are to attend all board meetings
during their term, and that expenses
MEMBER
REPORT
NEW AGENCY
MEMBERS:
Al Wadi Holding DMCC
Dubai, United Arab Emirates
TCM Egypt
Cairo, Egypt
to travel to these meetings may be
the responsibility of the director(s) or
officer(s).
There are also several committees for which
you may wish to volunteer. These committees
are listed below.
Committees:
• Affinity Program
• Agency Certification
• Education
• Grievance
• International Development
• Legislative
• Meetings/Convention
• Membership Authentication
• Membership Development and Retention
• Newsletter
• PR/Advertising/Social Media
NEW CERTIFIED
COLLECTORS:
Theresa Brenan
Craig Sgarlata
Kim Twilbeck
Ebony Vickers
Altus GTS, Inc.
Kenner, La.
Cheryl Rowe
Richard Willemin
Michael Zusin
JSD Management, Inc. D/b/a
James, Stevens & Daniels
Dover, Del.
Please let us know if you are interested
in helping by sending your information to
[email protected] no later
than Nov. 4.
Renewal Reminder: Don’t be the last one!
T
he IACC new year has begun and we feel as though we’re missing something…You!
If you haven’t yet renewed your IACC membership for the 2016-2017 year, there is
still time. Please take just a few minutes to complete
all the information requested on the renewal form,
and send it back to IACC with your dues payment
for 2016-2017.
If you have any questions, or to request
another copy of your dues statement, please e-mail
[email protected] or call (952) 925-0760.
Thank you!
For more information on the
IACC Certified Commercial
Collector Program, visit the
IACC website at http://www.
commercialcollector.com and click
on “Members” then on “Collector
Certification.”
4
Mar k your
Janu
ar y
cale
n
11-1
3, 20
17 –
E
dar
s!
den R
oc Miami Beach
G
et those ideas flowing for IACC’s Annual Convention. This three-day convention full of valuable education and priceless
networking opportunities is one not to be missed. So, get creative and put the dates on your calendar now and be ready to
register for an event like no other.
For more information about IACC’s Annual Convention, watch http://www.commercialcollector.com for updates.
Dates to Remember:
Early registration deadline: Dec. 9, 2016
Hotel reservation deadline: Dec. 20, 2016, at 6:00 p.m.
Hotel local time
Sponsorship and Exhibit Opportunities
Interested in becoming a sponsor or exhibitor?
Contact Mary Thao at [email protected].
Cruise Opportunity
As you are planning your trip, you may want to consider a Bahamas
cruise option immediately after the conclusion of the IACC
Convention. This cruise is offered exclusively by Meister Meetings
& Travel Corp. The cruise is an entirely optional and separate event
offered by a third party (Meister Meetings) and is not part of the
IACC Annual Convention. Reservations available until Oct. 29 only.
Contact Dan Meister directly with any questions. P: (561) 279-2500,
email: [email protected].
2017 IACC
CONVENTION
5
IACC is Making Headlines!
A
s you know, IACC launched a
new Strategic Plan in January of
this year. One of the four primary goals
of the plan is to “increase recognition
and awareness of IACC as the premier
organization in the commercial collection
industry through focused branding and
marketing.”
We’re making great strides on this
goal! IACC is featured in two different
industry publications this month:
• IACC President Greg Cohen authored
an article titled "How to Improve
Your Odds of Collecting Late Payments
Without Severing the Customer
Relationship" for the Credit Research
Foundation’s 3rd quarter CRF News.
Members in CRF include a large
portion of Fortune 1000 corporations.
This article was part one of two,
with the second part
scheduled for publication
in the 4th quarter.
• IACC Vice President Bill
Mann authored an article
titled "A Running Start"
about commercial first
party outsourcing in the
October issue of Collector
magazine, published by
ACA International.
Through the
development and
publication of articles such as these,
IACC is strengthening its reputation as
an industry leader in the commercial
collection market.
We know that many of you are also
doing a great job of reaching out to
professionals in the credit and collection
IACC AFFINITY
PARTNERS
The IACC Board and Affinity
Committee have been working
diligently on providing members
additional benefits to their
IACC membership through
the Affinity Program. Each of
these partners offers discounts
exclusive to IACC members. For
more information on a specific
partner, visit the IACC website
at www.commercialcollector.com.
If you have any questions
about the Affinity Program,
contact IACC at
[email protected] or
(800) 859-9526. Please continue
to watch your email for more
Affinity partners!
Alphatrad provides documentation translation
and telephone interpretation services.
Bridge Capital Partners provides
payment processing services.
Codix is a debt collection and recovery
software provider for an all-in-one software
solution called iMX Debt Collection.
Experian’s Business Information
Services provides data to organizations
by helping them mitigate risk.
industry through articles and information
in your own company newsletters. We
would love to see what you are writing! If
you are interested in submitting articles,
we would love to feature more member
generated news in both B2B News and
Scope. Send your articles to bobrowski@
commercialcollector.com for consideration.
The OfficeMax partnership allows
IACC members access to exclusive
discounts at OfficeMax both online
and at OfficeMax retail locations.
Polaris Assessment Systems, Inc. helps
organizational leaders make smart
decisions about the people they hire.
TCN is a cloud-based, multi-faceted
telephony solution for all sizes of
commercial collection agencies.
United Field Chase is a national field
services provider, assisting businesses
to make informed decisions.
6
Business Bankruptcy Filings Through First Three Quarters
of 2016 Up 28 Percent; Total Filings Fall 6 Percent
U
.S. commercial bankruptcy filings
during the first nine months
of the year increased 28 percent to
28,789 over the 22,444 filings during
the same period in 2015, according to
data provided by Epiq Systems, Inc.
Commercial chapter 11 filings rose
slightly during the first nine months of
2016 as the 4,311 filings represented a 5
percent increase from the 4,091 chapter
11 filings during the first nine months
of 2015. However, total bankruptcy
filings fell 6 percent during the first nine
months of 2016 (Jan. 1-September 30)
from the same period a year ago as the
593,034 filings decreased from 629,754
in 2015.
Total commercial filings for
September 2016 were 3,072, representing
a 38 percent increase from the 2,219
filings during the same period in 2015.
Commercial chapter 11 filings increased
to 364 chapter 11 filings in September
2016, representing an 8 percent increase
over the 337 filings in September 2015.
However, the 64,592 total bankruptcy
filings for the month of September
represented
a 4 percent
decrease
compared to
the 67,171
filings in
September
2015. The
61,520 total
noncommercial
filings for
September also
represented
a 5 percent
drop from the
September 2015 noncommercial filing
total of 64,952.
The average nationwide per capita
bankruptcy filing rate for the first nine
calendar months of 2016 (Jan. 1-Sept.
30) decreased slightly to 2.54 (total
filings per 1,000 population) from the
2.55 rate for the first eight months of
the year. The average daily filing total in
September 2016 was 2,153, a 4 percent
decrease from the 2,239 total daily filings
registered in September 2015. States with
the highest per capita filing rates (total
filings per 1,000 population) through the
first nine months of 2016 were:
1. Tennessee (5.67)
2. Alabama (5.52)
3. Georgia (4.75)
4. Illinois (4.19)
5. Utah (4.17)
For further information about the
statistics or additional requests, please
contact ABI Public Affairs Manager John
Hartgen at 703-894-5935 or jhartgen@
abiworld.org.
National Cyber Security Awareness Month
O
ctober is National Cyber Security
Awareness Month which is an
annual campaign to raise awareness
about cybersecurity. Individuals and
organizations around the world are
marking the start of the 13th annual
National Cyber Security Awareness
Month (NCSAM), a widespread
initiative co-founded and led annually
in October by the National Cyber
Security Alliance (NCSA) and the U.S.
Department of Homeland Security
(DHS).
We live in a world that is more
connected than ever before. The Internet
touches almost all aspects of everyone’s
daily life, whether we realize it or not.
National Cyber Security Awareness
Month (NCSAM) is designed to engage
and educate public and private sector
partners through events and initiatives
to raise awareness about cybersecurity,
provide them with tools and resources
needed to stay safe online, and increase
the resiliency of the Nation in the event
of a cyber incident.
Protect your business, employees and
customers from online attacks, data loss
and other threats by becoming aware
of your cyber risk. Visit the NCSA
website for more information and several
different business-related resources and
cyber tip sheets.
https://staysafeonline.org/business-safeonline/
7
Thank you to our 2016-2017 Sustaining Members
I
ACC is pleased to recognize its sustaining members for the 2016-2017 membership year. Sustaining members take it upon themselves
to contribute an additional amount of money during the membership year in support of the IACC. For more information on how your
company can become a sustaining member of IACC, please email IACC or call (952) 925-0760.
A.V. Knowles & Co Ltd.
Port of Spain, Trinidad
Glassberg, Pollak & Associates
San Francisco
ABC – Amega Inc.
Buffalo, N.Y.
Greenberg, Grant & Richards, Inc.
Houston
Adams, London & Weiss LLC
Houston
Hynum Law
Harrisburg, Pa.
Altus GTS, Inc.
Kenner, La.
Isaac Wiles Burkholder & Teetor LLC
Columbus, Ohio
American Lawyers Quarterly
Cleveland
John Postl, P.C.
Boston
BARR Credit Services, Inc.
Tucson, Ariz.
Johnson, Morgan & White
Boca Raton, Fla.
Biehl & Biehl, Inc.
Carol Stream, Ill.
Joseph, Mann & Creed
Twinsburg, Ohio
Sweet & Walker, A Professional
Corporation
San Francisco
C2C Resources, Inc.
Atlanta
Lamont, Hanley & Associates, Inc.
Manchester, N.H.
Teller, Levit & Silvertrust, P.C.
Chicago
Caine & Weiner
Woodland Hills, Calif.
Law Offices of Joseph A. Molinaro,
LLC
Wyckoff, N.J.
The Clearing House Quarterly
Gainesville, Fla.
Cedar Financial
Calabasas, Calif.
Ciconte Scerba & Kerrick, LLC
Wilmington, Del.
Commercial Collection Corp. of NY
Tonawanda, N.Y.
Delmarva Collections, Inc.
Salisbury, Md.
Esezobor & Partners
Ikeja, Nigeria
Euler Hermes Collection North
America
Owings Mills, Md.
First Collect International, Ltd.
London, United Kingdom
Gaba Law Corporation
Laguna Hills, Calif.
General Bar Law Directory
Cleveland
Law Offices of Kathleen R. Wall
Manasquan, N.J.
Law Offices of Martin F. Goldman
Sherman Oaks, Calif.
Lichtman Eisen Partners, Ltd.
Chicago
Lloyd & McDaniel, P.L.C.
Louisville, Ky.
Miller Cohen Peterson Young, P.C.
Longmont, Colo.
Northern California Collection Service,
Inc.
Sacramento, Calif.
Pacific Board of Trade
Honolulu
Priority Credit Recovery Inc.
Edmonton, Alberta, Canada
Regional Adjustment Bureau Inc.
Carrollton, Texas
S & S Financial Company, Inc., Dba:
Steadman & Steele
Houston
Smith Debnam Narron Drake
Saintsing & Myers, L.L.P.
Raleigh, N.C.
Spilotro Law Group, LLC
Chicago
Sprechman & Fisher, P.A.
Miami
Stevens Business Service, Inc.
Lowell, Mass.
The Forwarders List of Attorneys
Princeton, N.J.
The National List of Attorneys
Bismarck, N.D.
Todd Associates Inc
Beachwood, Ohio
Totz, Ellison & Totz, P.C.
Houston
Ultimoo Incasso BV
Woerden, Netherlands
Wagner, Falconer & Judd, LTD.
Minneapolis
Weltman, Weinberg & Reis Co., LPA
Cleveland
Windham Professionals, Inc.
Salem, N.H.
Wright Holmes Law List
Katonah, N.Y.
8
Directory of Associate Members
W
hen forwarding accounts please use IACC’s Associate members! Remember to let the Associate member know you are forwarding
to them because they are IACC members so they will see the value in their membership with IACC. To find complete contact
information for each of these members please visit the IACC website at www.commercialcollector.com and click on the “Find Members”
button located on the top right hand of the home page.
When forwarding to associate member law firms, we recommend that you designate IACC and a law list in your forwarding letter and
notify the law list designated. These actions will ensure your account is covered by the law list’s bond and let the associate member know it
is coming from a fellow IACC member.
If you have any questions, please do not hesitate to contact the IACC staff at (952) 925-0760 or [email protected].
LAW LIST MEMBERS
American Lawyers Quarterly
Cleveland
Clearing House Quarterly
Gainesville, Fla.
General Bar Law Directory
Cleveland
Law Offices of Gary A. Bemis
Riverside
Marcadis Singer PA
Tampa
Weinstock, Friedman & Friedman, P.A.
Baltimore
Glassberg, Pollak & Associates
San Rafael
MLG Law
Tampa
Business & Technology Law Group
Columbia
Law Office of Steven A. Booska
San Francisco
Georgia
Hays Potter & Martin
Atlanta
Baylinson, Kudysh, Greenberg & Helt
LLC
Mount Airy
Isenberg & Hewitt, PC
Atlanta
Massachusetts
Morrison Law Office
Beverly
International Lawyers Company
Beaufort, S.C.
Sweet & Walker, A Professional
Corporation
San Francisco
The Columbia Law List
Boca Raton, Fla.
The Law Offices of Jacqueline N. Anker
Santa Barbara
The Commercial Bar
Easton, Md.
Hatkoff and Minassian, ALC
Tarzana
The Forwarders List of Attorneys
Princeton, N.J.
The Hettena Law Firm
Thousand Oaks
Illinois
Abrams & Abrams, P.C.
Chicago
The National List of Attorneys
Bismarck, N.D.
Mendelson Law Group
Woodland Hills
Adler & Associates, Ltd.
Chicago
Wright Holmes Law List
Katonah, N.Y.
Colorado
Girsh and Rottman, P.C.
Denver
ASSOCIATE MEMBERS
Alabama
Cloud & Willis, LLC
Birmingham
Zarzaur & Schwartz, P.C.
Birmingham
Prim & Mendheim, LLC
Dothan
The Pappanastos Law Firm, P.C.
Montgomery
Arizona
Hammerman & Hultgren, P.C.
Phoenix
Lippman & Reed, PLLC
Tucson
Lou Spivack, P.C.
Tucson
California
Law Offices of T. Britt Rudman
Beverly Hills
Stokes & Wolf, P.C.
Denver
Vinci Law Office
Denver
Miller Cohen Peterson Young, P.C.
Longmont
Simpson, Uchitel & Wilson, LLP
Atlanta
Lichtman Eisen Partners, Ltd.
Chicago
Markoff Law
Chicago
Spilotro Law Group, LLC
Chicago
Teller, Levit & Silvertrust, P.C.
Chicago
William G. Schur, Attorney At Law
Chicago
Connecticut
Gesmonde, Pietrosimone & Sgrignari,
LLC
Hamden
Indiana
L. Craig Turner, Attorney
Carmel
Jacobs & Rozich, LLC
New Haven
Blackwell, Burke & Ramsey, P.C.
Indianapolis
Sugarmann & Sugarmann
New Haven
Pfenninger & Associates
Indianapolis
Tobin Melien & Marohn
New Haven
Rubin & Levin, P.C.
Indianapolis
Delaware
Ciconte Scerba & Kerrick, LLC
Wilmington
Hinsdale Law Firm
Burlingame
Florida
Behar Gutt Glazer, P.A.
Aventura
HMH Legal
Chula Vista
Rosenfeld Stein Batta, P.A.
Aventura
Law Offices of Martin F. Goldman
Encino
Yates & Schiller, P.A.
Boca Raton
Alan L. Brodkin & Associates
Irvine
Sprechman & Associates
Miami
Hollins Law
Irvine
Talianoff Rubin & Rubin, P.A.
Miami
Gaba Law Corporation
Laguna Hills
Lawcraft
Plantation
Law Offices of Louis Jacobs
Los Angeles
Hodges, Avrutis & Foeller P.A.
Sarasota
The Guerrini Law Firm
Pasadena
Gruman Worldwide LLC
Tampa
Genetos Retson & Yoon LLP
Merrillville
Krisor & Associates
South Bend
Iowa
Abendroth and Russell, P.C.
Des Moines
Kentucky
Lloyd & McDaniel, P.L.C.
Louisville
Louisiana
Levin Law Offices
Metairie
Favret, DeMarest, Russo & Lutkewitte
New Orleans
Maryland
Law Offices of Kind & Dashoff
Baltimore
John Postl, P.C.
Boston
David I. Shorr, Attorney At Law
Framingham
Peskin, Courchesne & Allen, PC
Springfield
Cohn & Dussi, LLC
Woburn
Michigan
Muller, Muller, Richmond, Harms,
Myers P.C.
Birmingham
Stillman Law Office
Farmington Hills
Roosen, Varchetti & Olivier, PLLC
Mount Clemens
LJ Frank PC
Southfield
Minnesota
Gurstel Chargo, PA
Minneapolis
Wagner, Falconer & Judd, LTD.
Minneapolis
Mississippi
Rushing & Guice, PLLC
Biloxi
Missouri
McDowell, Rice, Smith & Buchanan,
P.C.
Kansas City
Gamache & Myers, P.C.
St. Louis
Vogler Law Firm, P.C.
St. Louis
Evans & Green LLP
Springfield
Montana
Hull & Swingley PC
Helena
Nebraska
Cada, Cada, Hoffman, & Jewson
Lincoln
continued on page 10
9
Directory of Associate Members
continued from page 9
Brumbaugh & Quandahl, P.C., L.L.O
Omaha
Gottlieb Ostrager, LLP
White Plains
Law Offices of Barry Gammons, PLLC
Nashville
Nevada
Hayes and Welsh
Henderson
Murray S. Lubitz
White Plains
Texas
Barnett and Garcia, PLLC
Austin
Dubowsky Law Office
Las Vegas
New Jersey
Morgan, Bornstein & Morgan
Cherry Hill
Marino, Mayers & Jarrach, LLC
Clifton
Gary S. Lewis, Attorney At Law, LLC
East Hanover
Bressler-Duyk Law Firm
Edison
Law Offices of Kathleen R. Wall
Manasquan
Law Offices of Heitner & Breitstein
Marlboro
Fein, Such, Kahn & Shepard, P.C.
Parsippany
The Saldana Law Firm
Princeton
Hudson Law Offices, P.C.
Turnersville
Law Offices of Joseph A. Molinaro, LLC
Wyckoff
New Mexico
Stephen D. Bass & Associates
Albuquerque
New York
Taroff & Taitz, LLP
Bohemia
Meyers, Saxon & Cole
Brooklyn
Smith, Carroad, Levy & Wan
Commack
Rosenthal & Goldhaber, P.C.
Hauppauge
Stein & Stein, LLC
Haverstraw
Maidenbaum & Associates PLLC
Merrick
Gutman & Gutman LLP
Mineola
The Terkell Law Firm, P.C.
New City
Frank, Frank, Goldstein & Nager P.C.
New York
Kazlow & Kazlow
New York
Messner Reeves, LLP
New York
Popper & Grafton
New York
North Carolina
Smith Debnam Narron Drake Saintsing
& Myers, L.L.P.
Raleigh
The Sigmon Law Firm, P.A.
Raleigh
Ohio
Kevin L. String Co., L.P.A.
Chagrin Falls
Jameson & Dunagan, P.C.
Dallas
Totz, Ellison & Totz, P.C.
Houston
Ronnie Horsley, P.C.
Tyler
Slovin & Associates Co., LPA
Cincinnati
Utah
Stephen B. Elggren, P.C.
Sandy
Thomas & Thomas Attorneys
Cincinnati
Alvin I. Gilmore, Attorney At Law
Cleveland
Law Offices of Timothy M. Sullivan
Cleveland
Weltman, Weinberg & Reis Co., LPA
Cleveland
Washington
Stephen A. Bernheim, Attorney At Law
Edmonds
Lovejoy & Kelly PS
Seattle
Ziegler Metzger LLP
Cleveland
Wisconsin
Case Law Firm, S.C.
Milwaukee
Isaac Wiles Burkholder & Teetor LLC
Columbus
Kohner, Mann & Kailas, S.C.
Milwaukee
Oklahoma
Barber & Bartz, PL
Tulsa
Pennsylvania
Tsarouhis Law Group
Allentown
Morris & Adelman, P.C.
Bala Cynwyd
The Law Offices of Frederic I. Weinberg
& Associates, P.C.
Conshohocken
Hynum Law
Harrisburg
Jeffrey S. Wilson, Attorney At Law
Philadelphia
Amato Keating and Lessa, P.C.
Pittsburgh
Bernstein-Burkley, P.C.
Pittsburgh
Vitti & Vitti & Associates
Pittsburgh
Keifer Law Firm
Wilkes Barre
Rhode Island
Hodosh Lyon & Hammer, Ltd.
Cranston
Soffer, Rech & Borg, LLC
New York
Winston & Winston, P.C.
New York
Cynthia M Lover, P.A.
Myrtle Beach
Relin, Goldstein & Crane, LLP
Rochester
Womble Carlyle Sandridge & Rice, LLP
Greenville, S.C.
Borges & Associates, LLC
Syosset
Tennessee
The Mendelson Law Firm
Memphis
Marinstein & Marinstein, Esqs., PLLC
Troy
James Brendan Carroll III
Dallas
Immerman & Tobin Co., L.P.A.
Cincinnati
South Carolina
Bernstein & Bernstein, P.A.
Charleston
Roach & Murtha, P.C.
Syosset
Harrell Pailet & Associates, P.C.
Dallas
John B. Ingleson, Attorney At Law
Murfreesboro
Law Offices of Rinehart Scaffidi &
Mathews
Milwaukee
INTERNATIONAL
Belgium
Collection Attorneys Europe
Antwerpen
Brazil
Aronis Law Office
Sao Paulo
Canada
Franklin & Franklin
Montreal
Charness, Charness & Charness
Montreal
China
Beijing Yingke Law Firm
Shenzhen
Ecuador
Bermeo & Bermeo Law Firm
Quito
Israel
Isaac Eilat Law Offices
Tel Aviv
SCOPE
IACC STAFF
Scope Editor
Sara Bobrowski
Design Manager
Darla Rehorst
Scope is a bi-monthly
newsletter available to
members of IACC. IACC is
located at 4040 W. 70th St.,
Minneapolis, MN 55435.
You may contact the IACC
office at (952) 925-0760
or via email at
[email protected].
This information is not
intended as legal advice and
may not be used as legal
advice. It should not be
used to replace the advice of
your own legal counsel. Any
information contained in this
material is based on current
research into the issues and
on the specific facts
involved herein.
©2016 International
Association of
Commercial
Collectors, Inc.
All Rights Reserved.
Mexico
Dorantes O’Loughlin Attorneys &
Dorantes O’Loughlin Abogados
Guadalajara
Nigeria
Esezobor & Partners
Ikeja
Turkey
Antroya Law Office
Istanbul
United Kingdom
Ward Hadaway
London
10