About Joe Adams:
Joe Adams is a well known, respected leader and expert in the account receivables management industry. The Managing Director of Hampton Pryor Consulting, a member of the Hampton Pryor Group, LLC, Joe has over 30 years in the credit and account receivables management industry. During this span, he has served as a "C" level or senior/executive operations leader for some of the leading banks, credit grantors, debt purchasers and collections agencies in the country, including CitiFinancial, CitiMortgage, Paymentech Merchant Services, First USA/Bank One, Collins Financial Services and Asset Management Outsourcing, Inc. He has managed collections and recovery operations in the United States, Puerto Rico and Canada while additionally "peer" reviewing collections and recovery operations in Spain, Turkey and various countries in Central and South America. Since joining Hampton Pryor Consulting, he has helped numerous credit granting, debt purchasing and collection agency clients improve their operations and increase collections and revenue. Hampton Pryor Consulting is also a leader in preparing agencies for and securing successful SAS 70/SSAE 16 Type 1 and Type 2 audits. Read More »

Joe is a frequent speaker and forum leader at various industry conferences and seminars. A native of Philadelphia, he received his B.S. from Cheyney University of Pennsylvania. Joe and his wife Carolyn reside in the Dallas/Fort Worth metroplex area.

About Bob Belair:
Robert R. Belair is currently a privacy attorney for Arnall Golden Gregory LLP at their Washington DC office.

Mr. Belair is a founding partner of Oldaker, Belair & Wittie in Washington and served for many years as co-editor of the nation's pre-eminent privacy periodical for the business community, Privacy & American Business. Prior to that, Mr. Belair was a long-time partner in the Washington DC office of what is now K&L Gates. Mr. Belair served as Deputy Counsel to the White House Privacy Committee in the Ford Administration and as a lawyer in the Federal Trade Commission's Bureau of Consumer Protection, doing privacy related work. He later served as General Counsel of the National Commission on the Confidentiality of Health Records. Mr. Belair also served on the Senate Judiciary Committee Advisory Committee for then Chairman Joseph R. Biden, and as an adviser to Senator Robert F. Bennett's Health Privacy Task Force.

Mr. Belair's privacy practice centers on the representation of privacy sensitive organizations with respect to credit and financial records, debt records, educational records, criminal records, medical records, employment records and telecommunications information. He has served as General Counsel to SEARCH, the National Consortium for Justice Information and Statistics and General Counsel to the National Commission on the Confidentiality of Health Records. He has also been chairman of an American Bar Association Privacy Committee. Mr. Belair also serves as Legislative Counsel to the DBA International. Mr. Belair has spoken and written widely on privacy and information law topics. Read More »

Mr. Belair's practice includes representation of clients before the courts, federal agencies, in particular, the Federal Trade Commission and the Congress. He has litigated numerous privacy and freedom of information cases, including serving as lead amicus counsel in the Supreme Court's 1989 landmark privacy and freedom of information and privacy decision, Reporters Committee for Freedom of the Press v. Department of Justice.

Mr. Belair has served as a legal consultant on privacy, freedom of information and information policy matters to numerous government agencies and commissions including the National Conference of Commissioners on Uniform State Laws, the National Academy of Sciences, the Office of Technology Assessment, the National Telecommunications and Information Administration, the Social Security Administration, the Department of Defense, the National Science Foundation, and the Federal Paperwork Commission. On the Hill, Mr. Belair has served on the Senate Judiciary Advisory Committee and the Senate Task Force on health privacy.

Mr. Belair received his law degree from Columbia University in 1973 where he was a Harlan Fiske Stone Scholar, a Charles Evans Hughes Scholar and Editor-in-Chief of the Columbia Human Rights Law Review.

About Mike Bendickson:
Mike Bendickson has more than 20 years of experience in portfolio acquisition, evaluation, sales and collection. He founded Absolute Resolutions Corp. in April 2001 to successfully appraise, purchase and collect high-quality portfolios. In his role as President of ARC, Mike manages the purchase and sale of product and oversees the proper due diligence on every transaction. He directs corporate diversification including the development of new product channels, and the addition of profit centers. Mike also promotes the growth and image of the debt buying industry. In 2004, he was elected by his peers to the Executive Board of the Debt Buyers' Association and in 2011 he was inducted as President of DBA International. Mike has gained tremendous credibility in the industry by working closely on every transaction. His expertise and fair business practices bring buyers back to the negotiating table deal after deal.

About Chris Bennett:
Chris Bennett is currently responsible for both credit underwriting and collections for all credit card accounts at BMW Bank of North America. He joined BMW in 2004. Prior to that, he had over 20 years of retail credit card experience covering all aspects of credit and collections. He developed training and incentive programs for new and experience collectors and built a legal collections department for a major regional department store. He has both Bachelor's and Master's Degrees in Business Administration and has taught Consumer Financial Education courses.

About Robert Box:
Robert R. Box is the Chief Operating Officer of Alliance Data Retail Services, and is responsible for Retail's operations, project management office, Six Sigma process improvement and IT. He currently serves on the Board of Directors for the World Financial Network National Bank (WFNNB). Most recently, he was responsible for leading his company through most of the changes required for CARD Act. Read More »

Prior to joining Alliance Data in 2006, Robert spent 20+ years in the financial services industry, most recently with Bank of America as the Group Executive for Consumer Risk Operations. In this role he led a line of business that provided collections, recoveries, and fraud management for the bank's $187 billion portfolio of consumer lending products, plus ATM and debit cards, with responsibility for over 5000 associates. He was a member of the Bank's Management Operating Committee, Corporate Diversity Advisory Council and Corporate Workplace Steering Committee, and was a member of the Board of Directors for their credit card legal entity. In 2005, his line of business was recognized in the collections and credit risk trade publication as an industry leader. Previously, Robert was one of ten senior executives responsible for the spin off/start up of Capital One Financial Corporation, and held various leadership roles throughout Citicorp Credit Card Services during his 10 years with them.

Robert holds a Master's Degree in Engineering-Economic Systems from Stanford University, and Bachelor's Degrees in both Management Science (Operations Research) and in Statistics from Southern Methodist University. In addition, he is a certified Six Sigma Black Belt.

About Polly Bristow:
Polly is a talented and accomplished Call Center Operations and Vendor Management professional. She has over twenty four years of collections and customer relationship management experience with American Express. Currently, she is the Director of Partner Management for the Western Region in US Territories supporting a Global Agency Network in both 1st and 3rd party collections. She has proven ability to establish programs, direct successful teams and is currently leading efforts to drive the talent strategy for American Express - Global Collections across the Agency network.

About Carolyn Brown:
Carolyn Brown's responsibilities include management of the Bankruptcy and Legal Action Recovery Department, in the Consumer Portfolio Services Division of Nissan Motor Acceptance Corporation (NMAC) and Infiniti Financial Services (IFS). In this capacity Ms. Brown has responsibility over

the pre and post charge off bankruptcy and legal action recovery portfolio. Additionally, Ms. Brown oversees NMAC/IFS outside counsel in all 50 states and territories. Read More »

Ms. Brown is respected and characterized by colleagues and peers as a passionate advocate for creditor's rights. Her expertise and common sense leadership is widely respected in the bankruptcy industry.

Ms. Brown is a member of the National Association of Chapter Thirteen Trustees (NACTT), the National Association of Bankruptcy Trustees (NABT), and the American Bankruptcy Institute (ABI). She participated in the 2006 Advanced Consumer Bankruptcy Practice Institute and has served as a panel member at the NACTT conferences. Ms. Brown mixes Texas common sense with the United States Bankruptcy Code to protect the interest of NMAC/IFS.

About Paula Catterall:
Paula Catterall is Senior Director of Recoveries for Sterling Jewelers, Inc. of Akron, Ohio. Sterling is the nation's largest retail jeweler and operates under various store names including Kay, Osterman, Goodman, Marks and Morgan, and JB Robinson Jewelers, as well as Jared the Galleria of Jewelry. Sterling offers its own credit programs and services its own receivables. Paula began her career as a credit management trainee for Sears. After learning the fundamentals of extending and collecting credit, she supervised a collection division that was one of the best in the corporation. She also taught inexperienced employees in all departmental positions and presented corporate training programs to all credit employees. Early on, she learned the importance of making training sessions interesting by adding her own creative spin. Read More »

As Executive Vice President for A.M. Miller & Associates, Inc., a large national collection agency located in Minneapolis, Paula was responsible for collections, as well as all collection area training and auditing. Under her leadership, the collection areas became top-performers for many national credit card, commercial, and student loan clients. Additionally, she implemented an internal audit program and developed management training modules as well as a management-trainee program.

With partners, Paula started a corporation called Collection Management Network (CMN) and served as its President and CEO. CMN operated a national network of collection agencies using a proprietary internet-based collection system. CMN also offered consulting and training services through its subsidiary, LPR.

Paula Catterall has a Master of Business Administration degree from Drake University and a Bachelor of Business Administration degree from the University of Iowa. She served as president of the International Credit Association.

About Mark Cavin:
Mr. Cavin joined Asset Acceptance, LLC as Vice President-Collections Operations in December 2009. Mr. Cavin previously served as President of Collection Intelligence Inc, located in San Diego, California. Prior to joining Collection Intelligence, Mr. Cavin served as Senior Director of Sallie Mae and Chief Operating Officer at Arrow Financial Services, LLC a Sallie Mae Company. Mr. Cavin also served as Senior Manager with Union Bank of California. Mr. Cavin has 31 year of executive and senior management experience in the collection industry.

About Scott Carter:
Scott Carter is Vice President of Student Lending and Credit Operations. Mr. Carter is responsible for overseeing Student Lending in addition to the Student Accounts, Default Management, and Financial Literacy groups at Kaplan.

Mr. Carter joined Kaplan from TransUnion in 2011 where he led the Collections Vertical with a focus on Sales, Product Development and Process Consulting. Prior to TransUnion, he held leadership positions with Barclays, American Express and Capital One in the areas of risk management, business process outsourcing and collection services. Mr. Carter received a Bachelor of Arts in Government and Politics/Philosophy from George Mason University.

About Stephanie Clark:
Stephanie is the Vice President of National Sales & Marketing for VeriFacts, Inc., bringing 10 years of management and business development expertise to the credit and collection industry. Stephanie has excelled in establishing long term partnerships with a broad range of clientele, from student lending to pre and post judgment. Stephanie has been instrumental in the development and implementation of several new and innovative programs at VeriFacts.

VeriFacts is a proven leader in skip tracing and asset location delivering high quality location information, for over 25 years. VeriFacts is licensed, bonded, insured, and operates with the highest level of ethics and professionalism. Providing sophisticated computer-based data retrieval, national sources, and proprietary data repository, VeriFacts brings the experience of carefully trained, skilled professionals who know how to convert data into guaranteed results.

About Tim Collins:
TIM COLLINS is the Associate Director of Compliance for Hyundai Capital America in charge of designing and implementing HCAs corporate governance and compliance programs. Prior to HCA he was VP of Risk Management and General Counsel for ARS National Services, Inc., where he managed a team of 15 that reduced legal and business exposure in a highly regulated and litigious industry. Before joining ARS National Services, Inc., Tim was Legal Counsel with Midland Credit Management Corporation where he established their litigation outsourcing program. He also has over five years of experience in collections litigation and owns his own company, Litigation Mitigation Systems. He is a current member of the ACA International MAP Committee, past president of the Association of Corporate Counsel-San Diego Chapter, and teaches a seminar on In-House Corporate Practice at the University of San Diego Law School.

About Marilyn Cooper:
Marilyn has 30 years experience in financial services. She has held executive positions at Bank One, First Data, Sears, Key Bank and Security Pacific Corporation. She joined Ford Credit in January 2001 as Director of the National Recovery Center in Mesa, Arizona.

Marilyn was born and raised in Southern California. Marilyn holds a master's degree in business administration, concentrating in finance from the University of Southern California. She also has a master's degree in education and a bachelor's degree in mathematics from Cal State University at Los Angeles. She has served 4 years as an elected member of the San Gabriel Board of education and was president of the board for two years.

About Brian Cutler:
Brian Cutler, who has 30 years of experience in the collections industry, is the senior director of product and program management at Ontario Systems ("Ontario"). Mr. Cutler oversees the production and rollout of Ontario's next generation collection software, "Collect Savvy." Previously, he was the executive vice president and chief technical officer at Arrow Financial Services ("Arrow"), a major debt buyer eventually purchased by Sallie Mae in 2004. At Arrow, he was responsible for information technology infrastructure and technological strategy. After Arrow became part of Sallie Mae, Mr. Cutler served as vice president of technology for Sallie Mae's asset performance group.

About Alex Dunlap:
Alex is responsible for managing the debt sales for Wells Fargo & Company. He joined the company in 1993, accepting a position in Treasury Services. He later accepted a position with Wells Fargo Financial Resources, which extended his responsibilities to corporate development with respect to new markets, mergers & acquisitions, and new product resulting from acquisitions. He began his current responsibilities in 2005 and has sold over $11 billion in face value transactions. Alex was raised in Chicago, Ilinois and received a bachelor's degree in business from Boston University and a master's of business administration from The University of Iowa. Alex serves on the board Elim Christian Fellowship Church and also serves on the family selection committee for Greater Des Moines Habitat for Humanity. He and his wife Darlene have three children and live in Des Moines, Iowa.

About Kelli Edmonds:
Kelli is a graduate of Emporia State University with a Bachelor's degree in Business Management. She started her career in the credit and collections industry in 1987 at Sallie Mae, holding various positions of increasing responsibility. Following her ten year tenure with Sallie Mae, Kelli completed the Management Development Program at GE Capital where she completed the GE Six Sigma Quality Green Belt certification and was responsible for the Customer Service division for GE's Consumer Direct Lending business. Prior to joining Bank One in 2003, Kelli worked at Citibank where she held several management positions within their CitiCards Recovery division. Read More »

Kelli currently oversees the Outsource Recovery department at Chase Auto Finance, which is responsible for the outsourcing of auto finance deficiency, end-of-term lease and commercial accounts to collection agencies and law firms as well as portfolio asset sales.

About Howard Enders, Esq.:
Howard A. Enders, Esq. serves as President and Chief Operating Officer of Phillips & Cohen Associates, Ltd., an international collection agency offering pre and post charge-off solutions for conventional write-offs as well as specialty areas including Deceased Account Care Solutions, Cease & Desist/Debt Management Collections and Small Business Credit Solutions to Fortune 500 leaders, banks and creditors in a host of industries and service sectors including Utility and Healthcare. Educated at University of Delaware and Widener University School of Law, Mr. Enders has overseen the growth of not only Phillips & Cohen Associates, Ltd., but also PCA Acquisitions V, LLC., a national debt buyer specializing in niche portfolio acquisition.

About Sherri Engberg:
Sherri Engberg is a Director of Collection Sales with CBCInnovis. She has been with CBCInnovis for 6 years. She has spent over ten years in the credit and collections industry. She works with many collection agencies and debt buyers providing unique quality skip tracing solutions. She is an active member of PWCI and serves on the activities committee. Sherri holds a B.S . in Business Administration from Central Washington University.

About John Frey:
John is a veteran of 43 years in the financial services industry with credit granters, collection agencies, debt buyers, and BPOs. John began his career at American Express in 1968 and held a number of senior positions during his 22 years. John has held senior positions with HHL Financial Services (a major healthcare collection agency), First Card Services (First Chicago); and Chevy Chase Bank. John was Vice President of Collection at Creditrust. At the time Creditrust was the nation's largest purchaser of distressed portfolios. In that position John managed over 1,000 of the company's 1,200 employees in three sites. Read More »

John was Chief Operating Officer and Advisor at Tracmail India. Tracmail is an offshore outsourcing company (BPO) headquartered in Mumbai, India. John managed over 1,000 collection and customer service representatives in two sites and coordinated outsourcing operations with a number of clients in the United States and Canada.

In his most recent position John was Executive Vice President of Collection and Recovery at BBVA Compass. In that position John was responsible for directing all Collection & Recovery operations for all of the Retail Lending, DDA, and Small Business products. John was a member of the BBVA's Executive Management Team.

John retired from BBVA Compass on June 30, 2011 and will continue in the industry in selected advisory engagements.

About Michael L. Frost:
Michael L. Frost is Senior Vice President and General Counsel of The CBE Group, Inc., a collection agency headquartered in Cedar Falls, Iowa. In addition to his duties as General Counsel, Mike is a member of CBE's Executive Management Team. Mike earned a B.A. in Political Science from the University of Northern Iowa and a Doctor of Jurisprudence from Drake University Law School. Mike is a member of ACA International Members' Attorney Program (currently Chairman of the MAP Committee and acting Iowa State Chair), Vice President of the Iowa Association of Credit and Collection Professionals, a member of the National Association of Retail Collection Attorneys, the American Bar, Iowa Bar and Black Hawk County Bar Associations, and also serves on various non-profit and civic organizations.

About Naveen Hariprasad:
Naveen is the senior marketing manager for Kaulkin Media and insideARM.com. While he develops and executes on internal marketing initiatives for Kaulkin Media, he also works with KM clients on projects including SEO, marketing strategy, graphic design and web development. Read More »

Prior to joining Kaulkin Media, Naveen worked for five years in various B2B technology verticals, including one of the country's largest email service providers and a leading marketing automation platform.

Naveen holds a BBA in Marketing from The George Washington University.

About Dennis Jordahl:
Dennis Jordahl is Sr. Director of Creditor Relations for CareOne Services, a national debt relief agency that actively promotes the importance of regulation and transparency in the debt relief industry. In his present role, he works closely with original creditors, collection agencies and debt buyers on developing effective working relations that result in increased recoveries. Dennis joined CareOne in 2009 after a 27 year career at Experian, a global information services provider, where he held a number of sales leadership positions and was a member of their Global Management team.

About Michael Klozotsky:
Michael is the managing editor of insideARM.com and was closely involved in the development of the company's core mission to "shift the public conversation about the ARM industry." He endeavors to direct all content published by the Kaulkin Media team in accordance with that principle. Read More »

Michael joined Kaulkin Ginsberg in January 2007 as a researcher and co-author of the 7th edition of The Kaulkin Report: The Future of Receivables Management. During his tenure at Kaulkin Michael has published and lectured on the healthcare sector of the ARM industry and supported various types of M&A engagements and related advisory assignments, including sell-side and buy-side representations. Previously, Michael served for nine years as an instructor in the Department of English and as a Communications Specialist in the Department of Accountancy at the University of Illinois at Urbana-Champaign.

Michael holds a Master of Arts degree in English from the University of Illinois and a Bachelor of Arts degree in English Literature from the University of Evansville.

About Todd Langusch:
Todd Langusch, CISSP, CISM, PCI QSA, MCSE, MCNE

Todd is the Chief Information Officer at Asset Acceptance, LLC. Todd has over 22 years of privacy, information security, and information technology experience. Currently, as Asset Acceptance CIO, Todd manages the infrastructure and data security for one of the largest debt buyers in the U.S.

Todd has extensive experience delivering IT infrastructure services to a wide range of enterprises spanning industries, applications and geographies. Before beginning his career in the private sector, Todd worked in both Cryptography and Information Technology in the government sector where he held top security clearances and specialized in communications and operational security. Read More »

Prior to Asset Acceptance, Todd served in key IT, privacy, and security roles at several large companies. Recently, he was Chief Executive Officer at Tech Lock, Inc. where he worked with organizations of all sizes and industries with their regulatory compliance programs and information technology innovation. He specializes in holistic information security; mapping requirements for multiple regulatory and industry standards in a single project. Prior to Tech Lock, Todd served as Senior Director of Information Technology & Security for Sallie Mae's Asset Performance Group where he leveraged his expertise in Information Technology to centralize IT for eight companies and eighteen locations utilizing virtualization technology, data replication, voice over IP, and mobile/remote workforce technologies.

About Matt Lavery:
Mr. Lavery graduated in 1976 with a B.S. (cum laude) from Southern Illinois University – Carbondale (SIU-C), Illinois. He received his Juris Doctorate in 1982 from SIU-C.

Mr. Lavery worked as a bankruptcy lawyer for three years before joining the USAF Judge Advocate General Corps (JAG) in 1986. As a JAG, Captain Lavery defended Airmen accused of committing felonies throughout the Pacific. Read More »

Mr. Lavery started his AAFES career in 1990 in the Office of the General Counsel working contract issues. He then litigated employment law cases. In 2005 he was promoted to Deputy General Counsel for the General Law and Revenue Recovery Division. Mr. Lavery advises on all federal debt collection statutes and regulations for AAFES' debt collection on over 1.8 million private label credit card accounts. He also manages AAFES' Bankruptcy program with over 60 million dollars in bankruptcy filed against AAFES annually.

Mr. Lavery is a colonel in the USAFR serving as a JAG. He has held various positions in the JAG Corps and is currently serving as a Senior Advisor for the 502 ABW Legal Office at Joint Base San Antonio, Texas. As a reserve JAG Col Lavery has advised numerous military reservists on their rights under the Uniform Employment and Reemployment Rights Act and the Servicemember's Civil Relief Act.

About Mont Little:
Mr. Little is the Chief Information Officer at Client Services, Inc. and has over 30 years of technology experience in the financial services industry. As Client Services' CIO, Mr. Little is responsible for all aspects of technology, both physical and data security, and property development and management. Mr. Little joined Client Services, Inc. in 2005, bringing more than 27 years of leadership and technology experience to his position as Chief Information Officer. Prior to joining Client Services he held executive leadership positions in technology, product development and strategic planning with General American Life Insurance, GenAmerica Financial Services and MetLife. In the past six years with Client Services Mr. Little has focused on building a reliable, scalable and secure network, telephony and application infrastructure to support the growth of the company. Most recently his efforts have been focused on developing CSI's international footprint, enhancing the company's Business Intelligence capabilities and improving back office process through Electronic Document Management/Business Process Automation. Mr. Little received his BA in Mathematics from Drury University and an MS in Computer Science from Webster University in St. Louis.

About Melanie Loggins:
Melanie Loggins has been in the Collection Industry for 24 years. Eighteen of those years, she has been in collections either with AmSouth bank (now Regions-a large Southwest Bank) or with BBVACompass. Today Melanie is a Senior Vice President at BBVA Compass, a subsidiary of the BBVA Group. Melanie's responsibilities include Direct, Small Business and Real Estate collections. Melanie manages over 35 FTE's and controls $13 Bil. in outstandings.

About John McNamara:
Chief Marketing Officer for LiveVox and director and and co-founder of Fidelis Recovery Solutions, Inc, John McNamara is a 27-year industry veteran with experience in all phases of collection and recovery operations with intense focus on technology applications and call center optimization.

Prior to joining LiveVox, John was COO for AMO, SVP of Operations for Nationwide Credit/ACB and VP of Operations for United Recovery Systems, LP. Read More »

John is a frequent speaker/panelist/consultant and author addressing key issues and trends in the accounts receivable and revenue cycle management industries. John was named to Collection Advisor magazine's list of the Top 50 Most Influential Collection Professionals for 2006. In 2007, John was appointed Vice President and Board Member of the Georgia Collectors Association. John was inducted into the Gerson Lehrman Group GLG Leaders Program in 2008, and John is the 2009 winner of the ACA Kurt Swersky award for leadership. John is also a board member of Collector Mentor Magazine and a member of the ACA's Technology Section Committee.

John is a summa cum laude graduate of Kennesaw State University with a Bachelor of Business Administration degree in Finance. Lastly, John is a long suffering Kansas City Chiefs fan and a diehard Kansas Jayhawk.

About Manny Newburger:
Manuel H. (Manny) Newburger is the President of Barron, Newburger, Sinsley & Wier, PLLC, a multi-state law firm with offices in Austin, Houston, and Dallas, Texas, Tampa, Florida, and Scarsdale, New York. He is also an Adjunct Professor at the University of Texas School of Law, where he teaches consumer protection law, and the President of Fair Debt Consultants, LLC, through which he provides training and management consulting services to the collection industry. Mr. Newburger is the principal author of Fair Debt Collection Practices: Federal and State Law and Regulation (Sheshunoff & Pratt).

About George Preece:
George is the head of the Recoveries Division with Canadian Tire Bank, a subsidiary of Canadian Tire Corporation located in Toronto Ontario Canada. Canadian Tire Bank provides services and products adding trust and value to the Canadian Tire brand.

With over 25 years credit management experience, his career began in the Bank of Montreal and Bank of Nova Scotia. Thereafter, he expanded his focus into the equipment industry with International Harvester Credit Corporation, G.E. Capital and Xerox Corporation. Read More »

In this role, George governs contract negotiations, agency/buyer selection process and manages the relationships, audit programs and infrastructure with the service providers of Canadian Tire Bank focusing on overall performance and mitigation of brand risk. This encompasses the unsecured debt as well as the secured lending portfolios.

About John Schaeffer:
As managing member at Interactive Data (ID), John Schaeffer understands the serious implications and costs associated in working with bad data. Schaeffer designed Interactive Data to leverage his deep knowledge of the data world to forge right party contact solutions that specialize in locating difficult to find individuals.

Based in Atlanta GA, Interactive Data offers a variety of search products, including Cell Suppression, Social Security, Real Estate Listings, Death Index, and Bankruptcy listing searches, as well as Data Warehousing and cost-efficient unmask-pricing for Directory Assistance Read More »

Leveraging his strong background in data and technology based services; Schaeffer has designed Interactive Data to provide solutions that cater to the specific needs of consumer creditors and debt purchasers. As the nation's economy has worsened, and the competition to find a skip increased, Interactive Data has proven the value of accuracy and speed by eliminating unnecessary costs and finding skips as quickly as possible.

In July, 2007 Interactive Data announced the acquisition of DirectoryNET, a leading provider of directory assistance and business intelligence solutions. The move underscores Schaeffer's vision of continually combining highly accurate contact-based services to create comprehensive and powerful solution sets.

Mr. Schaeffer is an associate member of the DBA International and is a regular contributor to skip tracing, debt recovery and data recovery publications.

About Andrew Schorn:
Schorn brings nearly 30 years of hands-on industry and operational experience to his role at USAA. As the leader of Agency Management in the Federal Savings Bank, Schorn leads the outsource agency vendor performance management team.

Prior to joining USAA, Schorn worked as a Consultant to the financial services industry where he provided reviews and operational expertise to both US and UK based banks in the credit card, mortgage, home equity, auto collection and loss mitigation operations areas. Read More »

Prior to Consulting, Schorn has worked as the senior leader of outsourcing and collection operations at debt buyer and credit card operations, IDT Carmel, Chase Card Services, Fleet Bank, AT&T, GE Capital, and Citibank, where he managed multi-billion dollar portfolios.

About Barbara Sinsley:
BARBARA SINSLEY (Barron, Newburger & Sinsley, PLLC) Barbara received her B.A. in Behavioral Science and Law and Psychology from the University of Wisconsin-Madison and her J.D. from South Texas College of Law. She is admitted to practice law before the Florida Supreme Court in 1990, and she is also admitted to practice before the United States District Court for the Middle District of Florida, the United States District Court for the Southern District of Florida, and the United States Court of Appeals for the Eleventh Circuit. Ms. Sinsley was Certified by the Supreme Court of Florida as a Mediator in 2001. Read More »

Immediately prior to joining the firm Ms. Sinsley was Vice President and Compliance Counsel for Asset Acceptance Capital Corp. Prior to joining Asset Acceptance in 2002, she was a partner at the firm of Marshall, Dennehey, Warner, Coleman, and Goggin, in charge of the firm's Fair Debt Collections Department. From 1995 to 2002 Ms. Sinsley represented numerous attorneys, foreclosure firms, collection agencies, and major lending institutions in class actions and individual suits under the Fair Debt Collection Practices Act, as well as handling matters involving commercial litigation, creditors' rights, and bankruptcy.* She began her career in collections and from 1990 to 1995 she represented major lending institutions in Florida on collection matters on a state-wide basis. She also was counsel to the Association of Florida Foreclosure Attorneys and assisted in securing the amendments to the Florida Consumer Collection Practices Act. Ms. Sinsley has frequently acted as a private consultant in class actions. She represented Wells Fargo as amicus curiae in In Re: Martinez, 266 B.R. 523 (S.D. Fla. 2001) as well as filing several Amicus Briefs on behalf of DBA International on collection issues. She has been frequently quoted in the Wall Street Journal, Lawyers Weekly USA, InsideARM, the Tallahassee Democrat, the St. Petersburg Times and Kiplinger Letter, as well as several television appearances including The Today Show and Fox 7 in New York. She acted as a Panelist at the FTC 2007 Workshop on Debt Collection. She is on the editorial staff for Credit Collections and Risk Magazine.

Ms. Sinsley is a member of the Florida Bar. She is a member of the National Association of Retail Collection Attorneys (NARCA) where she serves on the Laws and Legislation Committee, and is the co-founder and the co-chairperson of the In-house Counsel Division of NARCA. She is an active member of ACA International as a Maplist member, and has been awarded the Red Coat Award by the ACA. She is a member of DBA International, where she serves on the Association's Legal Advisory Panel. She serves as the DBA's General Counsel.

In 2008, along with Manny Newburger, Ms. Sinsley obtained the third formal opinion letter ever issued by the Federal Trade Commission on behalf of the United States Foreclosure Network. Also in 2008, she was named one of the Top Five Women in the Credit and Collection Industry by Source Media, and Top Attorneys of 2010 in the Tampa Bay Magazine.

About Erin Towns:
Erin Towns is the Sr. Recovery Manager for Dell Financial Services, L.L.C (DFS) in Austin, Texas where she is responsible for Recovery Management and Strategy for the Consumer and Small Business portfolios in the US and Canada. Erin has over 16 years of experience in Collections and Recoveries including Internal Collections, Agency and Legal Management, Bankruptcy and Deceased processing, Asset Sales and System Management. Prior to DFS, Erin held a variety of positions at First USA and American Express both in Collections and in Recoveries. Erin holds a Bachelor of Arts degree from Southern Methodist University in Dallas, Texas.

About Will Turner:
Will Turner is an industry thought leader and market strategist helping collection organizations rethink how they use external data and scoring providers. His "race to revenue, recovery and ranking strategies" are having a measurable impact on helping companies boost performance and profitability through smarter data decisions.

He currently serves as Vice President of TEC Analytical Services, a division of the Sarasota, FL based consulting firm TEC Services Group. Will has 12 years in Credit & Collections with prior leadership roles at Datalure, Decision Analytics (Experian), First Data, and Sourcelure. He has specialized knowledge in applying data, analytics and best practices to applications across the account lifecycle including: Skip Tracing, Asset Waterfalls, Customer Care and Fraud Prevention.

Will majored in Business Administration with an emphasis in International Business and Marketing at the University of Nebraska and studied International Economics at the University of Oxford (Mansfield College). Will has a passion for long distance running and spending time with his wife and their two girls in Omaha, NE.

About Peter Waldstein:
Peter D. Waldstein is managing director of Javlin Ventures, an ARM-industry investment firm that invests equity in high growth operating platforms and, through its related entity Javlin Specialty Finance, provides portfolio financing to buyers of non-performing loans. For the past 15 years, Peter has served several industry leaders in transactional and financial roles. Before joining Javlin, Peter served as CFO of TRAKAmerica, where he helped TRAK position itself for sale to its private equity owner HIG Capital. Earlier Peter served as COO for Hilco Receivables (the predecessor to EAF). During his tenure, Peter managed the investment of more than $250 million in portfolios totaling close to $5 billion in face value, leading to the sale of Hilco to affiliates of Goldman Sachs and Cerberus Capital. Peter began his ARM-industry career as the executive in charge of mergers & acquisitions for Outsourcing Solutions Inc. and later for Argent Healthcare Financial Services. Earlier in his career, Peter worked in investment banking and journalism.

About Brian Winn:
As one of the leading collection attorneys in California, Brian N. Winn recognized the need for creditor's attorneys to have a united voice in California. As a result, the California Creditors Bar Association (www.calcba.org) was formed in 2004, with Mr. Winn as its first President. This organization offers the California Courts, Legislature and Judiciary a single source of information for creditor's rights from more than forty California creditor law firms with the assistance of CCBA. On July 1, 2007, the California Judicial Council approved CCBA's proposed revision creating a special collection track within Fast Track to streamline the Courts Dockets, an elimination of numerous court procedures for collection cases, saving countless resources for Courts, Lawyers, Clients and Litigants. Read More »

After graduating with honors from UCLA, Mr. Winn attended Southwestern University of Law and received his Juris Doctor degree in 1977. He opened his own practice in 1982 specializing exclusively in creditor's rights. In 1991, he formed Winn and Sims, A Professional Corporation. The firm has six full time and one part time attorney plus a support staff of more than 100. The law firm subsequently changed it's name to the Winn Law Group, A Professional Corporation.

Mr. Winn is a member of the California Bar Association, all four California Federal District Courts, the United States Court of Appeals, several bankruptcy attorney forums and local bar associations. He served as Judge Pro Tem for the Los Angeles Superior Court and Municipal Courts for a number of years. He continues to specialize in collections, credit union law, claim and deliveries (replevins), and civil defense work. In addition, Mr. Winn has extensive trial experience and has been awarded Martindale Hubbell's highest rating "AV".

Along with exclusively representing lending institutions, both Commercial and Consumer, for almost 28 years, Mr. Winn is a frequent lecturer to the creditor community with recent presentations on collections, post-judgment efforts, and replevins.