Thank you to all who attended the 2021 Annual Conference in Delray Beach!  Our registration form remains open for any items you may have been unable to add during the conference. opalgrand

If you want to relive the memories, check out the Photo Album on our Guidebook! This special sneak peek is available only to attendees logged in via the app passphrase. A public gallery will be available soon.

On August 26, 2021, Commercial Collection Agencies of America presented to the Credit Research Foundation’s membership.  As you know, the Association is a Platinum Partner of CRF. 

What you may not know:  Commercial Collection Agencies of America’s certification requirements process and resulting Certificate of Accreditation and Compliance serve as the prototype and standard for third party commercial agency membership within the Credit Research Foundation.

CRFAugust2021 cover

Our presentation focused on the:

  • Validity of the Placement Process
  • Placement of Debt with Third Parties
  • Results of a Survey of Credit Practitioners
  • Latest Account Placement Statistics

We were honored and pleased to offer a substantive and insightful session and received good feedback.

We are honored to present Learnings from the Third Party Collection Perspective at the Credit Research Foundation’s March 2021 Forum. Commercial Collection Agencies of America is a CRF Platinum Partner and the only collection agency certifying body to have its certification program endorsed by CRF.


In an impressive collaboration between Credit Research Foundation Platinum Partners, Commercial Collection Agencies of America will be joined by ABC-Amega Inc. and AG Adjustments Ltd. to present Learnings from the Third Party Collection Perspective at CRF’s Accounts Receivable Forum, March 15-17, 2021.

SamFensterstock      DomDiLoreto
 Sam Fensterstock   Dom Di Loreto
 AG Adjustments, Ltd.   ABC-Amega, Inc.


The powerhouse session will feature ABC’s Dom Di Loreto and AG’s Sam Fensterstock, who will examine the ARM landscape over the last year with CCA of A’s Executive Director, Annette M. Waggoner.  The veteran collection practitioners will come together to offer cogent insight on:

  • Learnings from third party agencies how collections have changed since Covid19, with commentary on the WFH-work from home-environment.
  • Practices commercial agencies can carry forward in a post-Covid19 world
  • How and what process changes were made at the agency level
  • Agencies’ effective connection with commercial debtors to maintain maximum recovery
  • Regulatory compliance upkeep
  • How best for a credit professional to discern if an account is truly commercial in nature or if it is consumer
  • Insight on how agencies can best assist the credit grantor given transactions are being handled more on a “system to system” platform as opposed to “person to person”
  • A first look at the Association’s analysis of account placement with third parties during the pandemic and what is expected in the next eighteen (18) months.

Commercial Collection Agencies of America’s Executive Director, Annette M. Waggoner, proudly represented the Association at the iA Institute/Inside ARM’s Women in Consumer and Commercial Finance Conference in Scottsdale, AZ, December 11-13.

wiccf2019 1 web     wiccf2019 2 web     wiccf2019 3 web

The conference nearly tripled in attendance size from last year’s conference and was a day and a half of educational sessions, workshops and networking.  The sessions included Approaching the Glass Ceiling, Bridging the Generational Divide and Championing Diversity and Inclusion, as well as Communicating with Confidence and Unconscious Bias.

Annette was joined by iA Institute/Inside ARM CEO, Stephanie Eidelman, as well as two other panelists-Erin Stewart of Interactions and Kristyn Leffler of Resurgent and spoke to the conference attendees on Advocating for You.  Each panelist shared their own story.  In addition to her story, Annette shared a four-part advocacy plan, which was very well-received by the participants, many of whom requested a copy for themselves and their team members.  Inside ARM has offered to publish the plan.  Annette remarked, “This conference was so enriching and networking with the women in financial roles, especially in the collection industry was invaluable.  I am pleased that my remarks resonated with so many.”

While the plans for next year’s conference are still in the making, the first weekend in December has been reserved at a location in Savannah, GA.  Certainly, a worthwhile event!


We have Exciting News!

Commercial Collection Agencies of America has been asked to collaborate with the Federation of Credit & Financial Professionals and present a special educational event:

Collections Compliance During the Pandemic

Tuesday, January 19, 3:00 pm EST / 2:00 pm CST

RSVP NOW - Complimentary!

As a holiday gift to all, the Association is underwriting the expense of the webinar and invites you to participate on a complimentary basis.  Use code CCA at checkout.

The Federation of Credit & Financial Professionals (FCFP) and Commercial Collection Agencies of America have teamed up and assembled a team of experts to address your questions. This is a realtime education event based on what the industry has asked for.


  • What can I say on a past due invoice call if my customer is a sole proprietor?
  • Are the rules different by state, or for first party or third party?

...and MUCH more!

FCFP webThe Federation's mission is to provide continuing education at no cost or low cost to its members and the Credit, Collections and A/R community  at large.We are delivering this content at $29.99 to make it available to everyone.


Meet our speakers

Meg Scotty

MegScotty squareCEO of Brennan & Clark

Meg stumbled into the receivables arena in 1987 and found a home. Originally accepting a consulting job to create credit policies and procedures while taking a break from her Clothing Design business, she decided the receivable arena was saner. She uses her creativity and passion for improving the status quo in just about everything she puts her attention to. Over the years, Meg has gone from consulting to working for, and eventually purchasing the commercial collection agency, Brennan & Clark. She has created a fun, focused, and purposeful organization. Along the way, her passion for the industry led her to be involved in the Commercial Collection Agency Association as a Board member and later, she became Chair. She then championed creating the Commercial Collection Agencies of America, where she was President, and now Past President. Meg currently serves on the Independent Standards Board. Whether raising her 2 children, out on an adventure with her husband, or enjoying the serenity of the outdoors on her bike, on her skis, or hiking through the mountains, there is never a “status quo”, it is always full on, get in the grind and find the fun in anything.


Tom Claybaugh

TomClaybaugh squarePresident and CEO of Mountain States Commercial Credit Management

Tom Claybaugh began his commercial collections career in 1984. He joined Mountain States Commercial Credit Management in 1998 and serves as President and CEO. MSCCM is a full-service commercial credit bureau and collection agency assisting the credit professional in all aspects of portfolio management. As well as maintaining membership in Credit Research Foundation, Tom and Mountain States are founding members of Commercial Collection Agencies of America.


Panel moderated by Annette M. Waggoner