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With 2014 coming to a close, ALQ would like to wish its members, partners and other industry professionals a very safe and happy holiday season.

As we reflect on the past year, we would like to provide The Eagle subscribers with a look at the most-read news stories.

Your regular news publication will resume on Wednesday, Jan. 7, 2015.

 Wishing You All a Very Happy, Healthy and Prosperous New Year

Where does the time go? Although I wish time would slow down, it just seems to be going faster and faster and here we are suddenly again at the end of the year. As I reflect on this past year, I have a lot of smiles, a lot of good feelings, and have so much to be thankful for.

It’s always a tremendous pleasure for Nancy and I to attend the industry conferences, seminars, and events where we have such a great time talking about what’s new, discussing important topics, and sharing a good laugh with many of you from all over the world. We truly feel that knowing, working, and being with you has greatly enhanced our lives.

As this year comes to a close, I wish all of you nothing but continued health, happiness, and success in the New Year.

Tom & Nancy Hamilton

 Industry Articles and Information

The Lindorff European Credit Outlook 2014
Lindorff Group
From April 2: For the second consecutive year, Lindorff Group has issued its European Credit Outlook, which seeks to analyze and understand key future trends. Lindorff has conducted a survey of how key European markets may evolve. They have asked executives across Europe how they believe leading indicators in the credit market will develop. The feedback provides us with a unique insight into both micro and macroeconomic conditions across the continent.
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8 great websites that attorneys absolutely must know about
Inside Counsel
From Aug. 6 Mobile apps are useful tools for lawyers on the go, but attorneys generally do the majority of their work at their office. Inside Counsel has therefore created a list of websites that are ideally suited for attorneys that spend most of their day working on desktop computers or laptops. With a little practice, these innovative services may help improve a law firm’s overall productivity.
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Collection law: A little knowledge goes a long way
By Steven A. Harms
From April 2: Often times a collector is on the phone trying to convince a delinquent debtor to pay up for goods that were sold and delivered, but not paid for. The debtor often uses a tactic of trying to throw the collector off track by claiming a "legal defense" to the claim. A little legal knowledge on collection topics may go a long way to helping battle debtor claims.
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Collection attorneys must conduct 'meaningful review' of suits under FDCPA
From July 23: A U.S. District Judge recently ruled that a debt collection law firm violated the Fair Debt Collection Practices Act (FDCPA) by not conducting a “meaningful review” of a collection action filed against a consumer. The judge used reasoning from the landmark case Lesher, decided three years ago. Judge Kevin McNulty, in the District of New Jersey, granted the plaintiff summary judgment in Bock v. Pressler & Pressler.
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5 things to do after an employee resigns or quits
From June 11: When an employee leaves your company there may be some significant "housekeeping" to do before the position can be filled again. And none of that includes telling the ex-employee not to let his or her rear end hit the door on the way out. Be professional and consider these five things you may want to do when an employee resigns or quits.
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Collections in difficult situations
by Steve Harms
From June 11: Collections proceed forward, even in situations where the backup paperwork is a bit lacking. In other words, we live in a real world and our file is not always perfect. Do we just close the file out, even though there is a past due balance from our debtor? No, we gather what we can and proceed with collections; consider the following advice in this article.
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At last, Congress checks Obama's rogue consumer bureau
Investor's Business Daily
From June 11: Congress and some others in the media finally see the urgency in reining in Obama's rogue, out-of-control, unaccountable and secretive Consumer Financial Protection Bureau. This is something we have urged since its inception. In 2010, the Dodd-Frank Act gave birth to what we have argued is the single most powerful and least accountable agency in Washington, D.C.
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Why must we send a witness?
by David E. Greenberg
From March 5: For those of us in the debt collection industry, it is not unusual for us to request a qualified witness to support a contested litigation, but be stymied by the creditor's reluctance to provide a witness for depositions and trial. Many clients both domestic and foreign just don't understand the need; this article should help give them a better understanding of both the necessity and the process.
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Maybe you can strip it off or down, but you can't void that lien
by Monette W. Cope, Esq.
From Feb. 3: In the ceaseless quest to eliminate liens, debtors in both Chapter 7 and Chapter 13 recently challenged the Supreme Court’s decision in Dewsnup v. Timm and attempted to void partially or wholly unsecured liens under Section 506(d) of the Bankruptcy Code. Previously, it was unclear whether Dewsnup applied in Chapter 13 cases because it was decided in a Chapter 7. Both the Tenth and the Seventh Circuits now say the Code Section operates the same in both Chapters.
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Inside the practice of collecting money from dead people
From Sept. 3: Some people take internships or do Peace Corps or medical school when they leave college. Danielle Kurtzleben, the author, collected the debts of dead people — at times, she even tried to convince relatives of the deceased into paying on debts they didn't legally owe. Even in the booming economy of 2005, the only job she could find after three months of searching was at a deceased collection firm. So Danielle signed on for what would be 11 months on an autodialer in a call center, reciting "the script" to anyone who answered.
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 Thought of the Day

Nothing sucks more than that moment in an argument when you realize that you're wrong.

What our clients have to say:
We were introduced to American Lawyers Quarterly in 1995. We are a professional collection agency in Pompano Beach, Florida and began placing files our clients elected to file suit on in 1996. Over the years other “Books” have tried to solicit our business and I will admit we have tried them and always returned to ALQ. The grass is not always greener. The quick attention paid to assisting us with a situation, aiding us with placing a particular file with the exact attorney, shows the level of professionalism their team portrays. In addition, the quality of firms who list with ALQ is one of the reasons after 18 years we still use them. The on-line placement via their web-site is second to none and streamlines our productivity when placing.

— Merri Chris, Office Manager, Voss & Klein LLC, Pompano Beach, Florida

They give each day their usual 110 per cent, with all the synergy and paradigm shifts that such an event calls for. They bring on their A Game, gather up all that low hanging fruit, and at the end of the day they push the envelope, take it to the next level, hit the ground running, are always proactive, manage our expectations, make friends with the 800 pound gorilla, stop putting lipstick on that pig, expand our bandwith, realize it is what it is, step up to the plate, raise the bar, and remember most of all that the scenery only changes if you are the lead dog. We know how busy they are, but they always work for our best interests, always doing what they do best, which is thinking outside the box, bringing lots of value to the table. And that pretty much sums up the ALQ.

— Gary Hutchinson, Hutchinson Warren & Associates, Romeo, Michigan

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