tag:blogger.com,1999:blog-8267163710333356022024-03-13T03:23:07.707-04:00Credit and A/R GuruDebt Recovery solutions have been a cornerstone of Credit Risk Management's support for lenders for 40 years. In addition to posting CRM news and promotions, we look forward to sharing tips, tools and strategies we've picked up along the way.Credit and A/R Guruhttp://www.blogger.com/profile/04863306925349628610noreply@blogger.comBlogger12125tag:blogger.com,1999:blog-826716371033335602.post-76015193683024090292012-05-18T19:24:00.001-04:002012-05-18T19:32:07.808-04:00Credit Risk Management & IntegResolve are Expanding Their Work Family!<div class="ArialContentBold" style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">
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<b>CRM/IntegResolve is</b><b> currently hiring for the following positions:</b></div>
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<u>Customer Care Agents</u></div>
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Assist our clients with early
accounts receivable management - integrity, character, warm and
friendly tone, understanding day to day credit and banking products such
as loans, credit cards, etc. We can train you with the rest of what you
need to know to excel!
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<u>Debt Recovery Account Managers</u></div>
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After completing our in depth
professional training, you will contact individuals who have defaulted
on their payments and professionally, positively and quickly motivate
resolution on the account. Last year, we returned more than $13 million
to businesses across Canada.<span class="ArialContentBold"> We're passionate about helping businesses stay strong and healthy - it's a meaningful and rewarding career. </span>
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Most people have some
perception about this kind of work and almost ALL are surprised at how
positive, professional and upbeat our culture is at CRM! Come find out
for yourself. Great hours, great opportunities and an established, warm,
welcoming office environment are waiting! </div>
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Previous office experience not
required. You bring the character, integrity and positive attitude and
we'll train you well.
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<b>Key success factors: </b></div>
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<td width="12">-</td>
<td width="400">Ability to connect with others - share ideas and solutions</td>
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<td>Detail-oriented with a positive attitude</td>
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<td>Can multi-task and mentally 'shift gears' under pressure</td>
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<td>Team player with a competitive nature wanting to
'win' at recovering the money for our clients and achieving $$ bonuses
for strong results.</td>
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<b>Let us know you're interested:</b><br />
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If you have the <b style="color: #073763;">character</b>, <b style="color: #073763;">integrity</b>, <b style="color: #073763;">mental agility</b> and <b style="color: #073763;">commitment to excellence</b> that it takes
to become a member of the CRM/IntegResolve family, send your
resume along with a note about why you think you’d like to join our work
family to:<br />
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Human Resources - Stratford Location:<br />
<a href="mailto:humanresources@crmcanada.com">humanresources@crmcanada.com</a><br />
<br />
Human Resources - Milton Location:<br />
<a href="mailto:humanresourcesmilton@crmcanada.com">humanresourcesmilton@crmcanada.com</a><br />
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Watch <a href="http://www.youtube.com/watch?v=Q-x4xG9pE4M" target="_blank">this lip dub video</a> for a glimpse into the culture at Credit Risk Management and IntegResolve. Our team put this fun video together to
celebrate the ‘employee experience’ at CRM. Our goal is to have fun
and WOW our clients – and leave a legacy that we can be very proud
of! </div>Credit and A/R Guruhttp://www.blogger.com/profile/04863306925349628610noreply@blogger.com0tag:blogger.com,1999:blog-826716371033335602.post-2650286006188342532011-06-01T20:02:00.000-04:002011-06-01T20:02:09.899-04:00Announced Today: CRM Among Canada's Fastest Growing Companies (Profit 200)<!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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<div class="MsoNormal"><span style="color: black; font-family: "Arial","sans-serif"; font-size: 10.0pt;">Just announced this morning!!!! Stratford based Credit Risk Management (CRM) bucks a few trends by earning a spot on Canada’s Fastest Growing Companies List which is Canada’s largest annual celebration of entrepreneurial achievement.</span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="font-family: "Arial","sans-serif"; font-size: 10.0pt;">The list ranks Canada’s Fastest-Growing Companies by five-year revenue growth, comparing revenues from 2005 with 2010. Credit Risk Management has achieved over 300% growth in that five year period. Noteworthy because rapid growth is common in the first few years of a business start up, going from zero to any profit will net a percentage growth and is part of the normal business curve for successful businesses, but to sustain the growth as the company celebrates more than 40 years in business is unique.</span></div><div class="MsoNormal"><br />
</div><span style="color: black; font-family: "Arial","sans-serif"; font-size: 10.0pt; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">"We are extremely proud of our performance, and PROFIT Magazine's recognition of our accomplishments," says Tracey Ivanyshyn, President of Credit Risk Management (CRM). "CRM’s success is the result of our entire team's dedication and hard work over many years, and of course our growth would not be possible without a remarkably loyal client base with whom we share this distinction.”</span><br />
<br />
<span style="color: black; font-family: "Arial","sans-serif"; font-size: 10pt;"><b><a href="http://bit.ly/kv48wS">Read more... </a></b></span>Credit and A/R Guruhttp://www.blogger.com/profile/04863306925349628610noreply@blogger.com0tag:blogger.com,1999:blog-826716371033335602.post-43954813386660641942011-02-15T19:54:00.000-05:002011-02-15T19:54:39.706-05:00I Love My Gallery Radio Auction to be Hosted at CRM<!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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<div class="MsoNormal"><b><span style="font-size: large;"><span style="font-family: "Arial","sans-serif"; line-height: 115%;"></span></span></b></div><div class="MsoNormal" style="text-align: center;"><span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;"><span style="font-size: large;">Gallery Stratford's <i>I Love My Gallery</i> Radio Auction to be Hosted at CRM</span><b><span style="font-size: large;"><br />
</span></b> </span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="font-family: "Arial","sans-serif"; font-size: 10pt; line-height: 115%;"><span style="font-size: small;">For the second consecutive year, Credit Risk Management is donating the use of its call centre to the Gallery Stratford for their <b>I Love My Gallery</b> all day radio auction, hosted by CJCS 1240 Radio. Our team is pleased and honoured to support the Gallery and to have them share our space for this event!</span><br />
<br />
<span style="font-size: small;">The radio auction will take place this Saturday, February 19<sup>th</sup> from 9am to 4pm.<br />
<br />
For more information on the auction, visit:<br />
Gallery Stratford: <a href="http://www.gallerystratford.on.ca/love_gallery.php">I Love My Gallery Auction and Gala</a><br />
CJCS Radio: <a href="http://www.cjcsradio.com/events/index.php">Events Page</a></span> </span></div>Credit and A/R Guruhttp://www.blogger.com/profile/04863306925349628610noreply@blogger.com0tag:blogger.com,1999:blog-826716371033335602.post-85647481508427830682010-12-24T15:30:00.000-05:002010-12-24T15:30:32.445-05:00Gift of the Season<!--[if gte mso 9]><xml> <w:WordDocument> <w:View>Normal</w:View> <w:Zoom>0</w:Zoom> <w:TrackMoves/> <w:TrackFormatting/> <w:PunctuationKerning/> <w:ValidateAgainstSchemas/> <w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid> <w:IgnoreMixedContent>false</w:IgnoreMixedContent> <w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText> <w:DoNotPromoteQF/> <w:LidThemeOther>EN-US</w:LidThemeOther> <w:LidThemeAsian>X-NONE</w:LidThemeAsian> <w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript> <w:Compatibility> <w:BreakWrappedTables/> <w:SnapToGridInCell/> <w:WrapTextWithPunct/> <w:UseAsianBreakRules/> <w:DontGrowAutofit/> <w:SplitPgBreakAndParaMark/> <w:DontVertAlignCellWithSp/> <w:DontBreakConstrainedForcedTables/> <w:DontVertAlignInTxbx/> <w:Word11KerningPairs/> <w:CachedColBalance/> </w:Compatibility> <w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel> <m:mathPr> <m:mathFont m:val="Cambria Math"/> <m:brkBin m:val="before"/> <m:brkBinSub m:val="--"/> <m:smallFrac m:val="off"/> <m:dispDef/> <m:lMargin m:val="0"/> <m:rMargin m:val="0"/> <m:defJc m:val="centerGroup"/> <m:wrapIndent m:val="1440"/> <m:intLim m:val="subSup"/> <m:naryLim m:val="undOvr"/> </m:mathPr></w:WordDocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
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<div class="MsoNormal" style="text-align: center;"><b><i><span style="color: green; font-family: "Arial","sans-serif"; font-size: 12pt;">This year, we decided to celebrate this joyous season with a meaningful gift that's as unique as you!</span></i></b><span style="color: green; font-family: "Arial","sans-serif"; font-size: 12pt;"></span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;">Over the years as the holidays have approached, Credit Risk Management has given pointsettias, chocolates, gift baskets, some CRM wearables, bags and other items to show our appreciation.</span></div><div class="MsoNormal"><br />
</div><div class="MsoNormal"><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;">This year when contemplating what to share with our clients and associates, we paused as we thought about the world today. With so much economic uncertainty around the globe and many people truly in need, we decided that we should redirect the resources and buy some of the most meaningful gifts we could find to share on their behalf with those in need.</span></div><div class="MsoNormal" style="margin-bottom: 12pt;"><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;"><br />
We were sure our clients and associates would feel great pride in sharing love, bringing joy, and giving hope through World Vision globally and here at home.</span></div><div class="MsoNormal" style="margin-bottom: 12pt;"><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;">So, on behalf of the truly great clients and associates of CRM, we gratefully give these gifts to those less fortunate. </span></div><div class="MsoListParagraph" style="margin-left: 35.7pt; text-indent: -17.85pt;"><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;"><span>-<span style="font: 7pt "Times New Roman";"> </span></span></span><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;">3 Little Pigs</span></div><div class="MsoListParagraph" style="margin-left: 35.7pt; text-indent: -17.85pt;"><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;"><span>-<span style="font: 7pt "Times New Roman";"> </span></span></span><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;">1 Cow</span></div><div class="MsoListParagraph" style="margin-left: 35.7pt; text-indent: -17.85pt;"><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;"><span>-<span style="font: 7pt "Times New Roman";"> </span></span></span><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;">2 Goats</span></div><div class="MsoListParagraph" style="margin-left: 35.7pt; text-indent: -17.85pt;"><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;"><span>-<span style="font: 7pt "Times New Roman";"> </span></span></span><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;">2 Sheep</span></div><div class="MsoListParagraph" style="margin-left: 35.7pt; text-indent: -17.85pt;"><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;"><span>-<span style="font: 7pt "Times New Roman";"> </span></span></span><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;">1 Family Fish Farm</span></div><div class="MsoListParagraph" style="margin-left: 35.7pt; text-indent: -17.85pt;"><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;"><span>-<span style="font: 7pt "Times New Roman";"> </span></span></span><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;">Agricultural Packs for 3 Families</span></div><div class="MsoListParagraph" style="margin-left: 35.7pt; text-indent: -17.85pt;"><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;"><span>-<span style="font: 7pt "Times New Roman";"> </span></span></span><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;">School Supplies for 4 Canadian Children</span></div><div class="MsoListParagraph" style="margin-left: 35.7pt; text-indent: -17.85pt;"><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;"><span>-<span style="font: 7pt "Times New Roman";"> </span></span></span><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;">Feed 4 Hungry Canadian Families</span></div><div class="MsoListParagraph" style="margin-left: 35.7pt; text-indent: -17.85pt;"><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;"><span>-<span style="font: 7pt "Times New Roman";"> </span></span></span><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;">Help 2 Families Start a Business</span></div><div class="MsoListParagraph" style="margin-left: 35.7pt; text-indent: -17.85pt;"><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;"><span>-<span style="font: 7pt "Times New Roman";"> </span></span></span><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;">Support for 2 Street Children</span></div><div class="MsoNormal" style="margin-left: 17.85pt;"><br />
</div><div class="MsoNormal" style="margin-bottom: 12pt;"><strong><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;">It's a changing world that calls for new thinking, and we're proud to stand shoulder to shoulder with you.</span></strong></div><div align="center" style="margin: 0cm 0cm 0.0001pt; text-align: center;"><b><span style="font-size: small;"><i><span style="color: #ad0200; font-family: "Arial","sans-serif";">Best Blessings of the Season to You.</span></i></span></b></div><div align="center" class="MsoNormal" style="text-align: center;"><b><span style="font-size: small;"><i><span style="color: #ad0200; font-family: "Arial","sans-serif";">Wishing You Prosperity and Good Health in 2011!</span></i></span></b></div><div align="center" class="MsoNormal" style="text-align: center;"><br />
</div><div align="center" class="MsoNormal" style="text-align: center;"><span style="font-size: small;"><b><span style="color: green; font-family: "Arial","sans-serif";">Credit Risk Management Canada</span></b></span><span style="color: #1f5f01; font-family: "Arial","sans-serif"; font-size: 10pt;"><br />
</span><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;">61 Lorne Ave. E., PO Box 96</span><span style="color: #1f5f01; font-family: "Arial","sans-serif"; font-size: 10pt;"><br />
</span><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;">Stratford, ON N5A 6S8</span><span style="color: #1f5f01; font-family: "Arial","sans-serif"; font-size: 10pt;"><br />
</span><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;">Phone: 1-800-267-0490</span><span style="color: #1f5f01; font-family: "Arial","sans-serif"; font-size: 10pt;"><br />
</span><span style="color: green; font-family: "Arial","sans-serif"; font-size: 10pt;">Fax: 1-800-350-7772</span></div>Credit and A/R Guruhttp://www.blogger.com/profile/04863306925349628610noreply@blogger.com0tag:blogger.com,1999:blog-826716371033335602.post-84199376549814527582010-10-14T14:21:00.000-04:002010-10-14T14:21:09.976-04:00Credit Risk Management Gives Back<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><img border="0" height="157" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-FVa7y6j6k0UOTAj_KgoxisIm8qggJ9N_EUBe5AHJjS7l11U4uIl4dChDCKxpjV3CpUmupL0k-UtJWfbmqtIcwKEsbqtx9CR2BnGW9_viyMDVq4zUDLJTBiVHp2qAGOxWGc2lD-q9_p-5/s400/CRM+Gives+Back+photo.JPG" style="margin-left: auto; margin-right: auto;" width="400" /></td></tr>
<tr align="left"><td class="tr-caption"><span style="font-size: xx-small;"><span style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;">Photo courtesy of the <a href="http://www.stratfordbeaconherald.com/">Stratford Beacon Herald</a></span></span>.</td></tr>
</tbody></table><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-FVa7y6j6k0UOTAj_KgoxisIm8qggJ9N_EUBe5AHJjS7l11U4uIl4dChDCKxpjV3CpUmupL0k-UtJWfbmqtIcwKEsbqtx9CR2BnGW9_viyMDVq4zUDLJTBiVHp2qAGOxWGc2lD-q9_p-5/s1600/CRM+Gives+Back+photo.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"></a></div><div style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"> </div><div style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"></div><div style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif; text-align: center;"><span style="font-size: large;"><a href="http://www.crmcanada.com/" style="color: black;">Credit Risk Management</a> has donated</span><b><span style="font-size: large;"> </span></b></div><div style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif; text-align: center;"><br />
</div><div style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif; text-align: center;"><span style="font-size: x-large;"><b>$15,000.00</b></span></div><div style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif; text-align: center;"><br />
</div><div style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif; text-align: center;"><span style="font-size: large;">to name the Gowned Waiting/Change room and Biopsy room in the New Breast Health Centre as part of the </span></div><div style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif; text-align: center;"><span style="font-size: large;">Stratford General Hospital's </span></div><div style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif; text-align: center;"><span style="font-size: large;"><a href="http://www.sghfoundation.org/heart_and_soul/heart_soul.html" style="color: black;">Heart & Soul Campaign</a><span style="color: black;">.</span></span></div><div style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"><br />
</div><div style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif;"><br />
</div><div style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif; text-align: center;"><span style="font-size: large;"><b>Proud to be a member of the CRM Team!</b></span></div><div style="font-family: "Helvetica Neue",Arial,Helvetica,sans-serif; text-align: center;"><br />
</div>Credit and A/R Guruhttp://www.blogger.com/profile/04863306925349628610noreply@blogger.com0tag:blogger.com,1999:blog-826716371033335602.post-64701579015062265772010-07-21T18:00:00.000-04:002010-07-21T18:00:20.506-04:00Collection Tip: Partnerships - Who is Responsible?<span style="font-family: "Trebuchet MS", sans-serif;"> </span><div style="text-align: center;"><br />
</div><div style="text-align: center;"><span style="font-family: "Trebuchet MS", sans-serif; font-size: large;"><u>Partnerships - Who is Responsible?</u></span></div><br />
<span style="font-family: "Trebuchet MS", sans-serif;">If a <strong>partnership</strong> - where two or more people co-own an unincorporated business - goes out of business and still owes you money, you may <em>think</em> that money is uncollectable.</span><br />
<br />
<span style="font-family: "Trebuchet MS", sans-serif;"><strong>Legally, <u>all</u> partners in the business are responsible to pay 100% of the business' debts.</strong></span><br />
<br />
<span style="font-family: "Trebuchet MS", sans-serif;">Consider the following example:</span><br />
<ul><li><span style="font-family: "Trebuchet MS", sans-serif;">Two people are in business together.</span></li>
<li><span style="font-family: "Trebuchet MS", sans-serif;">The partnership goes out of business.</span></li>
<li><span style="font-family: "Trebuchet MS", sans-serif;">Partner 1 goes bankrupt.</span></li>
<li><span style="font-family: "Trebuchet MS", sans-serif;">Partner 2 still lives in the area and has gone into business for himself.</span></li>
</ul><span style="font-family: "Trebuchet MS", sans-serif;">In the case described above, Partner 2 is still collectable and is <strong>100%</strong> responsible for debts incurred by the partnership.</span><br />
<br />
<span style="font-family: "Trebuchet MS", sans-serif;"><u>The Bottom Line:</u></span><br />
<br />
<span style="font-family: "Trebuchet MS", sans-serif;">Don't let partnership owners use going out of business as an excuse not to pay you back. As long as the company was not limited or incorporated, <strong>the owners are 100% responsible</strong>.</span>Credit and A/R Guruhttp://www.blogger.com/profile/04863306925349628610noreply@blogger.com0tag:blogger.com,1999:blog-826716371033335602.post-72178908646639855212010-07-12T15:20:00.001-04:002010-07-12T15:23:59.481-04:00Collection Tip: The Dangers of a Poorly Worded Agreement<span style="font-family: "Trebuchet MS", sans-serif;"></span><span style="font-family: "Trebuchet MS", sans-serif;"></span><br />
<br />
<div style="text-align: center;"><span style="font-family: "Trebuchet MS", sans-serif; font-size: large;"><u>The Dangers of a Poorly Worded Agreement</u></span></div><div style="text-align: center;"><br />
</div><span style="font-family: "Trebuchet MS", sans-serif;">Accounts are frequently submitted to us for collection that are needlessly difficult to collect due to <em>confusing written or verbal agreements</em>.</span><br />
<br />
<span style="font-family: "Trebuchet MS", sans-serif;">Here is how weak wording can - and often does - result in lost dollars.</span><br />
<br />
<span style="font-family: "Trebuchet MS", sans-serif;"><u><strong>Who</strong> owes the money?</u></span><br />
<span style="font-family: "Trebuchet MS", sans-serif;">Sometimes written agreements don't distinguish between the customer's company and the customer personally. We often discover that the party from whom we were instructed to collect, is not actually responsible for the debt. Not making it clear who is responsible results in complications that could render the debt uncollectable.</span><br />
<br />
<span style="font-family: "Trebuchet MS", sans-serif;"><u><strong>What</strong> is owing?</u></span><br />
<span style="font-family: "Trebuchet MS", sans-serif;">When credit agreements are worded in such a way that doing the math can lead to different amounts owing, the customer could derive a different balance than you have on file - even though you are both basing your calculations on the same information. In some cases, interest rates are stated in terms that are open to interpretation - are they annual? monthly? simple or compound? Make sure the agreement is clear on what will be owing at any given time.</span><br />
<br />
<span style="font-family: "Trebuchet MS", sans-serif;"><u><strong>When</strong> is payment due?</u></span><br />
<span style="font-family: "Trebuchet MS", sans-serif;">Generous settlements or payment arrangements are often discussed and agreed upon. However, believe it or not, the <em>actual payment due dates</em> are frequently omitted from the signed agreements. In these cases, a customer could claim ignorance regarding the payment due date or settlement offer expiry date. Remember that it's always best to include exact dates with whatever payment schedule is in the agreement.</span><br />
<br />
<span style="font-family: "Trebuchet MS", sans-serif;"><u><strong>Where</strong> is the payment to be made?</u></span><br />
<span style="font-family: "Trebuchet MS", sans-serif;">Difficult customers can twist and confuse any issue to their advantage. For instance, if goods are involved, be sure all parties are clear on where they are to be delivered - what address, at whose expense, etc.</span><br />
<br />
<span style="font-family: "Trebuchet MS", sans-serif;"><u><strong>Why</strong> do I owe the money?</u></span><br />
<span style="font-family: "Trebuchet MS", sans-serif;">Recently we had a collection account where the debtor produced cancelled cheques showing payments he had made prior to being sent to collections - payments which had not been applied to his balance with our client. Turns out that when he issued the cheques, he requested that they be put toward his brother's account instead of his own. Unfortunately, since our client didn't get that in writing, the debtor then had the opportunity to question why he still owed them money after his cheques were cashed.</span><br />
<br />
<br />
<span style="font-family: "Trebuchet MS", sans-serif;"><u>The Bottom Line:</u></span><br />
<br />
<span style="font-family: "Trebuchet MS", sans-serif;">Anything in business that can be misinterpreted, will be misinterpreted by people who like to take advantage of <strong>poorly worded agreements</strong>. Complete and clear details go a long way toward preventing disputes and lost dollars.</span>Credit and A/R Guruhttp://www.blogger.com/profile/04863306925349628610noreply@blogger.com0tag:blogger.com,1999:blog-826716371033335602.post-67277904911909442592010-06-29T18:01:00.000-04:002010-06-29T18:01:50.648-04:00Collection Tip: Cutting Corners<div style="text-align: center;"><br />
</div><div style="text-align: center;"><span style="font-family: "Trebuchet MS",sans-serif; font-size: large;"><u>Cutting Corners</u></span></div><br />
<br />
<span style="font-family: "Trebuchet MS",sans-serif;">Ever heard this saying? "An <b>ounce</b> of prevention is worth a <b>pound</b> of cure."</span><br />
<br />
<span style="font-family: "Trebuchet MS",sans-serif;">In the busy workplace, there always seems to be too much to do and not enough time to do it in.</span><br />
<br />
<span style="font-family: "Trebuchet MS",sans-serif;">Cutting corners may feel like a short term solution, but it can lead to <b>long term collection problems</b>.</span><br />
<br />
<br />
<span style="font-family: "Trebuchet MS",sans-serif;"><u>Some common corner cutting cases we've come across:</u></span><br />
<ul><li><span style="font-family: "Trebuchet MS",sans-serif;">Relying on opinions and hearsay rather than on credit facts.</span></li>
<li><span style="font-family: Trebuchet MS;">Not insisting that a proper credit application be completed and signed - or failing to notice that it was not signed or properly completed.</span></li>
<li><span style="font-family: Trebuchet MS;">Not verifying information that should be verified <i>before </i>any credit is extended.</span></li>
<li><span style="font-family: Trebuchet MS;">Not investigating and dealing with disputes promptly.</span></li>
<li><span style="font-family: Trebuchet MS;">Failing to follow up on deteriorating payment habits.</span></li>
<li><span style="font-family: Trebuchet MS;">Ignoring overdrawn credit limits instead of reviewing the customer's ability to pay.</span></li>
</ul><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_riWhNy1kS-SA_IEqu_Z8hjs6MGdnW1ouwR9Kwk2nYWBGceuenwFGCQ_Aib-gDCYQ9hlHCwTpqZwTDcwUX6oq179KzB2lRcOb-swB61AX0PtiAxukuuk3GSalPZu-zfvZKUQ4RgrfN7vk/s1600/cut+money.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh_riWhNy1kS-SA_IEqu_Z8hjs6MGdnW1ouwR9Kwk2nYWBGceuenwFGCQ_Aib-gDCYQ9hlHCwTpqZwTDcwUX6oq179KzB2lRcOb-swB61AX0PtiAxukuuk3GSalPZu-zfvZKUQ4RgrfN7vk/s320/cut+money.jpeg" /></a></div><br />
<span style="font-family: Trebuchet MS;"><u>The Bottom Line:</u></span><br />
<br />
<span style="font-family: Trebuchet MS;"><b>Take the time to be thorough</b>. Each and every corner cut throughout your sales or lending process can become a very large obstacle down the road.</span>Credit and A/R Guruhttp://www.blogger.com/profile/04863306925349628610noreply@blogger.com0tag:blogger.com,1999:blog-826716371033335602.post-2889294692480411372010-06-22T14:25:00.000-04:002010-06-22T14:25:53.201-04:00Collection Tip: Patience vs. Payments<span style="font-family: "Trebuchet MS", sans-serif;"></span><br />
<div style="text-align: center;"><span style="font-family: "Trebuchet MS", sans-serif; font-size: large;"><u>Patience vs. Payments</u></span></div><div style="text-align: center;"><br />
</div><div style="text-align: center;"><br />
</div><div style="text-align: left;"><span style="font-family: "Trebuchet MS", sans-serif;">Unlike wine, collections do not improve with age.</span></div><div style="text-align: left;"><br />
</div><div style="text-align: left;"><span style="font-family: "Trebuchet MS", sans-serif;">We see a wide range in the age of overdue accounts that our clients list for collection.</span></div><div style="text-align: left;"><br />
</div><div style="text-align: left;"><span style="font-family: "Trebuchet MS", sans-serif;">90 Day accounts are popular, especially with our pre-collection service. But some clients keep unpaid accounts in their own office for a year or more, hoping for a miracle. From our experience this can result in collectable accounts becoming uncollectable.</span></div><div style="text-align: left;"><br />
</div><div style="text-align: left;"><span style="font-family: "Trebuchet MS", sans-serif;">We believe in miracles too, but it seems that for every miraculous payment there are numerous old accounts that “go bad” – when the customer is finally pushed to pay, there are problems or complications because the account is so old.</span></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; text-align: left;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhC805TDcIxXIJMxGd01uM-_f6Y6b_Duewmf6yaiWs7gMLBXZhtdtU_SeCoeWvDDQH06ylEFUtlNfF5UUl3-jEfzd0YlQC2zRPDnkFBVDeeETPk51JErvj-2uXkY2-YPwKUXamPkS1QPQ8Y/s1600/balance+time+cash.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="133" ru="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhC805TDcIxXIJMxGd01uM-_f6Y6b_Duewmf6yaiWs7gMLBXZhtdtU_SeCoeWvDDQH06ylEFUtlNfF5UUl3-jEfzd0YlQC2zRPDnkFBVDeeETPk51JErvj-2uXkY2-YPwKUXamPkS1QPQ8Y/s200/balance+time+cash.jpg" width="200" /></a></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; text-align: left;"><br />
</div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; text-align: left;"><span style="font-family: "Trebuchet MS", sans-serif;">These problems may seem familiar:</span> </div><ul><li style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><span style="font-family: "Trebuchet MS", sans-serif;">The customer suddenly “remembers” problems with your product or service.</span></li>
<li style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><span style="font-family: "Trebuchet MS", sans-serif;">The customer advises that he/she does not pay interest. You have financed the customer for nothing.</span></li>
<li style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><span style="font-family: "Trebuchet MS", sans-serif;">Employees leave and customers claim certain deals and promises were made with a former employee.</span></li>
<li style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><span style="font-family: "Trebuchet MS", sans-serif;">Your customer goes bankrupt, disappears, becomes very ill, or any of the multitude of other scenarios that render the account uncollectable.</span></li>
<li style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><span style="font-family: "Trebuchet MS", sans-serif;">If you decide to take legal action, older accounts may be statute barred and your legal costs will be unrecovered on top of the balance already outstanding.</span></li>
<li style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><span style="font-family: "Trebuchet MS", sans-serif;">Important documents can’t be located – they’ve been lost in the shuffle over time.</span></li>
<li style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><span style="font-family: "Trebuchet MS", sans-serif;">You get frustrated and simply give up on older accounts.</span></li>
</ul><br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiHyhn-fO-v36yVx2aFKT-0J41iQxNrCDC9WHvjm4qssrlzyA80g6im8AzkAvyMe9-nNu1ABJsCGl8ryGuyETi_ay5VG6vDGA9iztahVlfawa1HEK9exdhuBf06olmQ7wjrNQv18xjiwDvt/s1600/hourglass+dollar.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" ru="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiHyhn-fO-v36yVx2aFKT-0J41iQxNrCDC9WHvjm4qssrlzyA80g6im8AzkAvyMe9-nNu1ABJsCGl8ryGuyETi_ay5VG6vDGA9iztahVlfawa1HEK9exdhuBf06olmQ7wjrNQv18xjiwDvt/s320/hourglass+dollar.jpeg" /></a></div><div><span style="font-family: "Trebuchet MS", sans-serif;"><u></u></span> </div><div><u><span style="font-family: Trebuchet MS;"></span></u> </div><div><span style="font-family: "Trebuchet MS", sans-serif;"><u>The Bottom Line:</u></span></div><div> </div><div><span style="font-family: "Trebuchet MS", sans-serif;">While some creditors wait patiently for a miracle, others are getting paid!</span></div><div> </div><div><span style="font-family: "Trebuchet MS", sans-serif; font-size: x-small;"><strong>Contact us</strong> for more information or advice on how to balance patience vs. payments:</span></div><span style="font-family: "Trebuchet MS", sans-serif; font-size: x-small;">Email: </span><a href="mailto:Credit_AR_Guru@crmcanada.com"><span style="font-family: "Trebuchet MS", sans-serif; font-size: x-small;">Credit_AR_Guru@crmcanada.com</span></a><br />
<span style="font-family: "Trebuchet MS", sans-serif; font-size: x-small;">Toll Free: 1-800-267-0490</span><br />
<span style="font-size: x-small;"></span><br />
<div><span style="font-family: "Trebuchet MS", sans-serif; font-size: x-small;"><strong>Check out our website</strong> for more information on end to end A/R solutions:</span></div><span style="font-family: "Trebuchet MS", sans-serif; font-size: x-small;">www.crmcanada.com</span>Credit and A/R Guruhttp://www.blogger.com/profile/04863306925349628610noreply@blogger.com0tag:blogger.com,1999:blog-826716371033335602.post-17049344556390821822010-06-19T14:33:00.005-04:002010-06-19T14:57:54.140-04:00Collection Tip: Right Under Your Nose?<div style="text-align: center;"><br />
</div><div style="text-align: center;"><span style="font-family: "Trebuchet MS",sans-serif; font-size: large;"><u>Right Under Your Nose?</u></span></div><br />
<span style="font-family: "Trebuchet MS",sans-serif;">Accounts listed for collection get larger all the time. Despite the larger balances, information customers provide is often disregarded – information that could prove very helpful later, if the account goes unpaid.</span><br />
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<span style="font-family: "Trebuchet MS",sans-serif;"><u>Examples of details that often slip through the cracks:</u></span><br />
<ul><li><span style="font-family: "Trebuchet MS",sans-serif;"><span id="goog_385951032"></span><span id="goog_385951033"></span><b>Bank an<span id="goog_385951023"></span><span id="goog_385951024"></span>d account number</b> from which payments were drawn. This can be found on cheques, and sometimes on credit applications and preauthorized payment forms.</span></li>
<li><span style="font-family: "Trebuchet MS",sans-serif;">Possible alternate or updated <b>business names</b> (incorporated or otherwise) under which the customer appears to be operating.</span></li>
<li><span style="font-family: "Trebuchet MS",sans-serif;">Letters or documents showing <b>changes in the business</b>, such as asset ownership, partners, etc.</span></li>
<li><span style="font-family: "Trebuchet MS",sans-serif;"><b>Change of address</b> notice from the customer.</span></li>
</ul><span style="font-family: "Trebuchet MS",sans-serif;">A good, up to date credit application is usually the most well rounded source of information. However, we’ve found the leads mentioned above can also be extremely useful when collecting an account.</span><br />
<br />
<span style="font-family: "Trebuchet MS",sans-serif;"><b><u>The Bottom Line:</u></b></span><br />
<br />
<span style="font-family: "Trebuchet MS",sans-serif;">When an account is delinquent, have a closer look at the documentation you already have on file and see what you find. There could be essential information right under your nose.</span><br />
<br />
<br />
<br />
<div style="text-align: center;"><span style="font-family: "Trebuchet MS",sans-serif; font-size: x-small;">Check out our end to end A/R solutions at <a href="http://www.crmcanada.com/">www.crmcanada.com</a></span></div>Credit and A/R Guruhttp://www.blogger.com/profile/04863306925349628610noreply@blogger.com0tag:blogger.com,1999:blog-826716371033335602.post-24374480059912201382010-06-16T12:51:00.010-04:002010-06-19T14:22:10.597-04:00Collection Tip: "No Big Deal"<div style="text-align: center;"><br />
</div><div style="text-align: center;"><u><span style="font-family: "Trebuchet MS",sans-serif; font-size: large;">No Big Deal</span></u><br />
<br />
<div style="text-align: left;"><span style="font-family: "Trebuchet MS",sans-serif;">When your accounts receivable fall into these categories:</span><br />
<br />
<span style="font-family: "Trebuchet MS",sans-serif;">1. Terms of payment not kept</span><br />
<span style="font-family: "Trebuchet MS",sans-serif;">2. Promises for payment not complied with</span><br />
<span style="font-family: "Trebuchet MS",sans-serif;">3. Credit limits exceeded</span><br />
<br />
<span style="font-family: "Trebuchet MS",sans-serif;">These are <b><i>serious, urgent</i></b> issues.</span></div></div><u></u><br />
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<br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQj4NEpq346felPD_0WaKFeE3oBecj5wZtcT7iTiMPf-7S1uDuPJC1kJW3Jc9XKOlFT-b1C4PxJa05Ikz7vupgPkHZdh-5g2hpQ9uTJGrxNIT4sZTQ8UdmyamfbjWWvB6uW5Cjm87tI5qp/s1600/past+due.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" qu="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgQj4NEpq346felPD_0WaKFeE3oBecj5wZtcT7iTiMPf-7S1uDuPJC1kJW3Jc9XKOlFT-b1C4PxJa05Ikz7vupgPkHZdh-5g2hpQ9uTJGrxNIT4sZTQ8UdmyamfbjWWvB6uW5Cjm87tI5qp/s320/past+due.jpeg" /></a></div><br />
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<span style="font-family: "Trebuchet MS",sans-serif;"><u>“So the account is a bit slow, what’s the big deal?”</u></span><br />
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<span style="font-family: "Trebuchet MS",sans-serif;">This type of thinking is the root of the problem. When you make accounts receivable calls with the “no big deal" attitude, it's reflected in tone and word. This gives your customer the impression that it doesn't matter to you if they pay or not.</span><br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjzpxiE57WrH-OglYBajKPwS_iNLl9L_sB4V3tF-OsduevhbdQaS16GWoqHjdQGL5sV-wqp207fe3AxanmU1H81SawI7iRGflsqUnf58dWGxSmY7qxMo0qXZ65IIoYhgloFNi4MbNzCHnl6/s1600/accounting.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" qu="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjzpxiE57WrH-OglYBajKPwS_iNLl9L_sB4V3tF-OsduevhbdQaS16GWoqHjdQGL5sV-wqp207fe3AxanmU1H81SawI7iRGflsqUnf58dWGxSmY7qxMo0qXZ65IIoYhgloFNi4MbNzCHnl6/s320/accounting.jpeg" /></a></div><br />
<br />
<div style="text-align: left;"><u><span style="font-family: "Trebuchet MS",sans-serif;">The Bottom Line:</span></u></div><br />
<span style="font-family: "Trebuchet MS",sans-serif;">If the person calling for payment does not convey urgency, then how can the customer consider their payment urgent?</span><br />
<br />
<span style="font-family: "Trebuchet MS",sans-serif;">How many accounts remain unpaid because the customer considers the delinquency “No Big Deal”?</span>Credit and A/R Guruhttp://www.blogger.com/profile/04863306925349628610noreply@blogger.com0tag:blogger.com,1999:blog-826716371033335602.post-2235798696071728922010-05-14T10:18:00.002-04:002010-05-15T08:01:35.879-04:00Credit Risk Management is Celebrating YOU!<div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; text-align: center;"><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;"><em>40 years in business</em></span><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;"><br />
</span><br />
<div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; text-align: center;"><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;"><em>with trusted friends like you…</em></span></div><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;"><br />
</span><br />
<div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; text-align: center;"><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif; font-size: large;"><strong>1970 ~ 2010</strong></span></div><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;"><br />
</span><br />
<div align="center"><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;"><em>Our sincerest thanks to you – our successful and loyal clients</em></span><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;"><br />
</span><br />
<div style="text-align: center;"><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;"><em>who truly have made these 40 years</em></span><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;"><br />
</span><br />
<div style="text-align: center;"><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;"><em>possible and tremendously enjoyable.</em></span></div><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;"></span><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">We could not be more proud of the strong support and ongoing trust that you place in us.</span><br />
<div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><br />
</div><br />
<div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">Our clients - this is what makes us so proud of our roots and extremely passionate about reducing </span><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">your credit risk and returning money to your bottom line. Being part of your community and part of </span><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">the solution gives us meaning and an excellent reason to celebrate.</span></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><br />
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<div align="center" style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">Credit Risk Management Canada</span><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;"><br />
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<div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; text-align: center;"><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">CELEBRATES YOU</span><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;"><br />
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<div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; text-align: center;"><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">at our</span></div><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;"></span><br />
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<div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; text-align: center;"><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;"><strong>40th Anniversary Wine & Cheese Party!</strong></span></div><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;"></span><br />
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<div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; text-align: center;"><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">Wednesday, May 19th, 2010</span><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;"><br />
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<div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; text-align: center;"><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif;">4:00 p.m. to 6:00 p.m.</span> </div><div style="text-align: center;"><span style="font-family: Arial;"></span> </div><div class="separator" style="clear: both; text-align: center;"></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; text-align: center;"> </div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; text-align: center;"><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif; font-size: x-small;">Email <a href="mailto:Credit_AR_Guru@crmcanada.com">Credit_AR_Guru@crmcanada.com</a> </span><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif; font-size: x-small;">or click </span><a href="http://www.mapquest.com/maps?city=Stratford&state=ON&address=61+Lorne+Avenue+E&zipcode=N5A&country=CA&latitude=43.35483&longitude=-80.99378&geocode=ADDRESS"><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif; font-size: x-small;">here</span></a><span style="font-family: "Helvetica Neue", Arial, Helvetica, sans-serif; font-size: x-small;"> for directions.</span> </div><div class="separator" style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; clear: both; text-align: center;"></div></div></div></div></div><div style="border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none;"><br />
</div></div></div></div>Credit and A/R Guruhttp://www.blogger.com/profile/04863306925349628610noreply@blogger.com0