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Welcome to ASK THE EXPERT, the place to get all your credit questions answered by credit experts.   Available Experts: Jerry Bailey UCC/Mechanics Liens John C. Barone A/R Puts Norm Cowie Illinois Lien Law Frank Dispensa Collections Lee Fahrenz Credit Insurance Roxane Spinsanta Construction Law Deborah Thorne Bankruptcy Vivian Van Keuren Credit Card Michael Williams Check Guarantee/EFT                 Jerry Bailey currently manages the Northern United States for NCS and has been with them since 1995. Prior to coming to NCS, Jerry was a Corporate Credit Manager in the manufacturing industry for 10 years, during which time he gained a very thorough “hands on” experience with both UCC filings and Mechanic’s Lien filings. Jerry consults with companies daily and has spoken to groups nationwide about Article Nine of the Uniform Commercial Code, the Revised Article Nine Model Act, and the benefits of selling through secured transactions.     back to experts   ask a question                 J.C. Barone is an Executive Director of JP Morgan’s Credit Trading Desk. He was hired in 2005 to gain leverage from his extensive experience in developing Vendor Protection solutions, which include writing Trade Receivable Put Options and monetizing illiquid assets, such as Trade Claims on defaulted companies. Prior to joining JP Morgan, J.C. spent six years building First Commercial Credit Corp, the Trade Receivable Put Option and Distressed Receivable unit of Resurgence Asset Management LLC. J.C. has over 14 years experience in the financial services industry. He is a frequent speaker at national and global trade association meetings and seminars on credit and trade risk management. J.C. earned his B.S. in Finance from Manhattan College and his M.B.A. in Finance and Accounting from Cornell University’s Johnson Graduate School of Management.     back to experts   ask a question                 Norm Cowie, CCE is Vice President Finance of Evergreen Oak Electric Supply and Sales Co. Norm regularly writes and speaks on construction collections and the Illinois Mechanics Lien Act, and his regular column about the lien law won NACM’s best article award in 2006. Norm is a previous Board member of NACM Midwest and was Credit Executive of the Year in 2004/05. He tries not to let all of this get to his head because it makes his hair fall out. He also has two published humor books, the second of which won Preditors and Editors Readers Choice in January 2008. Visit Norm at www.normcowie.com.     back to experts   ask a question                 Frank has been active in the credit information/commercial debt collection industry for the past 20 years, holding positions in customer service and education, sales, collections and general management. He has held the position of Vice President - Midwest Operations for the last 13 years. He is a member of the Commercial Law League of America and has been awarded an advanced certification as a Senior Certified Collection Professional by the Agency Association of the Commercial Law League of America. He is also a member of the International Association of Commercial Collectors and is currently designated as a Collection Service Location Manager by the State of Tennessee. Frank holds a Bachelor of Arts degree with majors in Business Administration and Psychology and a Masters Degree of Business Administration with concentrations in Marketing and Human Resource Management.     back to experts   ask a question                   Lee Fahrenz has 20 years of Sales and Sales Management Experience in insurance, banking and finance. The last 3.5 years he has been with Euler Hermes ACI. His professional affiliations are American Management Association, International Business Center, Association of Steel Distributors, Turnaround Management Association, and National Association of Credit Management (NACM). Lee has also given Institutional Experiences/Speeches to the Fox Valley Chapter of the Illinois CPA Society, the REBEX Conference (Risk & Employee Benefits Exposition) 2007, and many financial institutions in the Chicago metro area.     back to experts   ask a question               Frank has been active in the credit information/commercial debt collection industry for the past 20 years, holding positions in customer service and education, sales, collections and general management. He has held the position of Vice President - Midwest Operations for the last 13 years. He is a member of the Commercial Law League of America and has been awarded an advanced certification as a Senior Certified Collection Professional by the Agency Association of the Commercial Law League of America. He is also a member of the International Association of Commercial Collectors and is currently designated as a Collection Service Location Manager by the State of Tennessee. Frank holds a Bachelor of Arts degree with majors in Business Administration and Psychology and a Masters Degree of Business Administration with concentrations in Marketing and Human Resource Management. back to experts   ask a question         Roxane Spinasanta is a graduate of Loyola School of Law.  She was admitted to the Illinois Bar in 1988.  Roxane serves as in-house counsel to EOCN Corp.  She is also of counsel to Falk Metz LLC, specializing in Mechanics Lien Law and contract disputes. Her email address is rspinasanta@falkmetz.com. back to experts   ask a question

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		Frank has been active in the credit information/commercial debt collection industry for the past 20 years, holding positions in customer service and education, sales, collections and general management. He has held the position of Vice President - Midwest Operations for the last 13 years. He is a member of the Commercial Law League of America and has been awarded an advanced certification as a Senior Certified Collection Professional by the Agency Association of the Commercial Law League of America. He is also a member of the International Association of Commercial Collectors and is currently designated as a Collection Service Location Manager by the State of Tennessee. Frank holds a Bachelor of Arts degree with majors in Business Administration and Psychology and a Masters Degree of Business Administration with concentrations in Marketing and Human Resource Management.
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		Roxane Spinasanta is a graduate of Loyola School of Law.  She was admitted to the Illinois Bar in 1988.  Roxane serves as in-house counsel to EOCN Corp.  She is also of counsel to Falk Metz LLC, specializing in Mechanics Lien Law and contract disputes. Her email address is rspinasanta@falkmetz.com.
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Deborah L. Thorne is a partner in the Chicago office of Barnes &Thornburg. She concentrates her practice in the areas of creditors’ rights, bankruptcy, financial restructurings, and commercial transactions encompassing all phases of restructuring of corporate clients, commercial litigation and representation of creditors seeking recovery for breach of contract and other claims; negotiation of restructuring plans, financing and other disputes; representation of secured creditors in UCC foreclosures, replevins of personal property, work-outs of non-performing loans, and representation of various parties in assignments for benefit of creditors. Her clients have included financial institutions, corporations, and partnerships in a variety of industries including healthcare, truck manufacturing, retail, advertising, and franchisees. Ms. Thorne is a frequent lecturer and has authored numerous articles for legal and business publications. She is Bankruptcy chair of the Seventh Circuit Bar Association and formerly served as chair of the Chicago Bar Association Bankruptcy and Reorganization Committee, and as a member of the Board of Governors of the Chicago Council on Lawyers. She is a member of the American Bankruptcy Institute, serving on the Editorial Board of ABI World. Her community activities include past president of the Evanston United Way Board as well as board member of the United Way of Suburban Chicago and Evanston Human Relations Commission. She is a member of the Board of the Women Employed Institute. Ms. Thorne received her B. A. degree in history from Macalester College in 1975, her M.A.T. degree from Duke University in 1976, and her J.D. with honors in 1983 from the Illinois Institute of Technology, Chicago Kent College of Law. She is admitted to practice before all Illinois state courts, the U.S. District Courts for the Northern District of Illinois and the Northern District of Indiana.       ask a question                 Vivian Van Keuren has over 20 years of experience in the financial services industry. She has served as a Credit Manager, as well as Controller and understands the challenges many of us face each day. Currently, she is the Vice President of Fifth Third Processing Solutions, one of the nation’s largest credit card processors. Vivian works in the Chicagoland region and is an expert in the business-to-business area, specializing in Level II and Level III Interchange. As a featured speaker at many NACM Industry Credit Group meetings throughout the nation, she is well versed in credit card processing interchange, and the current rules and regulations to include PCI Compliance.

Her services can help you can expand your payment options and better understand the credit card processing industry. Vivian can be contacted at 219-660-4717, via e-mail at vivian.vankeuren@53.com.       ask a question                         ask a question  

 

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