1. VOLUME 7, ISSUE 1
The Official Newsletter of National Recovery Agency
January 2012
NRA Today
“A Responsible Revenue Recovery Company™”
2007 thru 2011
New Study Shows Third-Party Debt Collection Positively Impacts the National and State Economies
Published on 30. Jan, 2012 by savings on average per household
Collections Recon in Collection by keeping the costs of goods and Inside this issue:
News, Press Releases services lower.
* Job Creation: Third- Third Party Debt Collection
MINNEAPOLIS, Jan. 30, 2012 / party collection agencies directly Positively Impacts
PRNewswire-USNewswire/ — employed 148,272 people with a the Economy P.1
Third-party debt collection has payroll of $5 billion. Indirectly, the
an important impact on America’s industry influenced creation of more Top 25 Most Influential
national, state and local economies, than 300,000 jobs with a payroll of Collection Professionals P.2
according to a new study by ACA $10 billion.
International and global advisory * Paying Taxes: Third- NRA Blood Drive P.2
firm Ernst and Young (www. party collection agencies and their
NRA Toy Drive P.3
acainternational.org/impact) based employees paid $495 million in
on 2010 data. federal taxes, and $509 million in DBA International
“These findings reinforce state and local taxes. The ancillary Member Alert P.3
the critical role the third-party impact of the industry generated a
debt collection industry plays as total $970 million in federal taxes Upcoming Events P.3
a service provider in recovering paid and $1 billion in state and local
unpaid consumer debt on behalf of taxes. Sustainable Paper Practices
the public, private and non-profit * Giving Back: Third-party In the Office P.4
sectors,” said ACA International collection agencies and their
CEO Pat Morris. “Moreover, employees contributed $85.2 million
third-party collectors are actively and volunteered 652,000 hours to / Ernst and Young report, “The Impact
engaged in their local communities charitable community causes. of Third-Party Debt Collection to
as employers, volunteers, “Our nation was built on the premise the National and State Economies,”
philanthropists and taxpayers.” that those who provide credit, goods please visit www.acainternational.org/
Key national findings of this and services to consumers have the impact.
landmark survey include: expectation of being repaid,” said ACA International is the
* Recovering Assets: A total of $55 ACA International President Mark comprehensive, knowledge-based
billion was recovered on behalf Neeb. “Recovering these debts helps resource for success in the credit
of creditor clients. The collection organizations survive; prevents and collection industry. Founded in
of consumer debt also provides layoffs; keeps cost down and credit, 1939, ACA brings together more than
a valuable benefit to American goods and services available; and 5,000 members in the United States
households. Based on a net of $44.6 reduces the need for tax increases to and abroad, and their employees,
billion recovered, third-party debt cover government budget shortfalls.” including third-party collection
collection efforts represent $396 in To review the complete ACA
Continued to page 3
1
© 2009-2012 National Recovery Agency. All Rights Reserved.®

2. NRA TODAY
January 2012 Volume 7 Issue 1
Steve Kusic, CEO of NRA Group, LLC Named to Top 25 Most Influential
Collection Professionals 2011
Published by Collection Advisor Magazine
Harrisburg, PA, December 2011 - NRA Group LLC, a Harrisburg-based
receivables management company, announces that Chief Executive Officer
Steve Kusic has been named one of the Most Influential Collection Professionals
of 2011 by Collection Advisor Magazine. Kusic was one of 25 industry
specialist honored by the national collection magazine for his outstanding
accomplishments, performance and contributions to the collection industry.
An influential professional is not only driven by a powerful return on investment but the methods by which it is
achieved. An influential professional knows that in successfully settling a debt, three parties must be satisfied: the
debtor, the account holder and the governing body that protects both parties. This in mind, an influential professional
understands that compliance is not the most loudly spoken party but is ever looming and must be respected and
embodied through the entire collection process. It is for this reason that the Top 25 Most Influential Collection
Professionals of 2011 have provided their personal creed on compliance.
The Top 25 Most Influential Collection Professionals of 2011 is the summation of many conversations with
professionals all over the country. These conversations have taken place at conventions, for various articles and for
the creation of lists such as this. The Collection Advisor staff has reviewed previous top professionals from the last six
years and professional profiles from the last two years. We have also approached ACA International’s unit presidents
for recommendations based on their dealings as presidents and as collection professionals themselves.
The list does not include every collection professional that embodies these virtues as the industry’s current level of
professionalism is due to the collective decision to continually raise that level through the adversity of a recession.
Rather, the list is an assemblage of professionals who have without cue and often recognition, led the way for the
collective.
UPCOMING EVENTS
PLATTS
visit us on Linked in.
February 29th - March 2nd
Orlando Florida The Art of Collections
282 Members and growing
STAY TUNED FOR
MORE EVENTS COMING http://www.linkedin.com/
groups?gid=2403635&trk=hb_side_g
IN 2012!!
2
© 2009-2012 National Recovery Agency. All Rights Reserved.®

3. NRA TODAY
January 2012 Volume 7 Issue 1
Continued from page 1
DBA International Member Alert
agencies, asset buyers, attorneys, creditors 1/11/12
and vendor affiliates. ACA establishes a wide
variety of products, services and publications. California Increases Small Claims Jurisdiction to $10,000
For more information on ACA International, As of January 1, 2012, the state of California increased its small
visit www.acainternational.org. Information claims jurisdiction to $10,000, from $7,500, and the new limits
on consumer rights is available at www. may result in more California consumers challenging debt
askdoctordebt.org. obligations in the Small Claims Court.
Contact: Mark Schiffman, PR Director In 2011, California saw an increase in small claims filings,
Tel. (952) 259-2124 or schiffman@ especially in the Los Angeles area, involving allegations of
acainternational.org insufficient validation or improper credit reporting. However,
SOURCE ACA International since attorneys cannot appear in Small Claims Court, DBA
http://www.acainternational.org International expects that the vast majority of cases involving
the FDCPA and FCRA will continue to be brought in either the
California Superior Court or Federal Court.
DBA International would welcome any additional feedback on
the experiences that members are having in small claims venues
so we may assess whether there are any trends similar to those in
the Los Angeles area. Please feel free to contact DBA Director of
Government Affairs David Reid at dreid@dbainternational.org if
you have insight you would like to share about this topic.
The text of Chapter 64 of the laws of 2011 can be found at: http://
www.leginfo.ca.gov/pub/11-12/bill/sen/sb_0201-0250/sb_221_
bill_20110708_chaptered.pdf
On January 17, 2012 - 45 individuals
registered to donate blood at our Paxton
Street office. 27 pints of blood were
collected
On January 26, 2012 - 21 individuals
registered to donate blood at our Crossgate
Office. 13 pints of blood were collected
Become an every day supporter
Every two seconds, someone in the United
States needs blood. In fact, 44,000 units of
blood are needed every day to meet these
needs
3
© 2009-2012 National Recovery Agency. All Rights Reserved.®

4. NRA TODAY
January 2012 Volume 7 Issue 1
Sustainable Paper Practices in the Office 5. Use Misprints as Notepaper
Top Ten Tips to Go Green with Paper Mistakes happen and not even printers are perfect, but
before tossing those blank pages into the shredder.. use
Products at the Office
them as notepads. If you have a paper cutter within your
office you can make your own notepads.
NRA is committed to saving the environment by
practicing a number of “go green” initiatives within
6. Reuse Shredded Waste Paper as Packing Material
the organization. We have partnered with Shred it
All that paper that goes into the shredder makes great
in providing our shredding services. NRA elects to
packing material. NRA finds this useful in preventing
promote a paperless environment to also protect the
damaged material and information to its clients.
confidentiality of our clients consumers. Here are
some ways we practices “going green” within our
7. If You Have To Get Rid of Paper, Recycle it
organization:
Sometimes you just have no other use for old paper,
and it has to go. NRA has within
1. Keep Files in a Computer
its facilities multiple shredding bins
With today’s modern
that are locked to prevent removal of
technology, paper files are
really useless, computers
NRA GROUP LLC is proud of materials.
have a neat filing system the positive impact it has made
8. Reuse Boxes to Store Files
with a search feature that in saving our environment. NRA There's absolutely no reason why
can find a file you have
participates in the Shred-it you should be buying those pre made
misplaced within seconds.
Most network systems have shredding and recycling program cardboard boxes to store files when
shipments come in boxes every day.
backup servers where even and has saved 138 trees in 2011. Most of the files put into long term
if you lose the file, it can be
storage are rarely accessed and don't
recovered with a little bit of
need fancy labeling or bright white
ease or you are able to search
boxes. If you can't reuse the box for filing, why not use is
for the file. Losing a paper file might not be so easy to
as a shipping box or an office supply box instead?
find.
9. Print in Black and White
2. Send Emails Instead of Paper
Use as little ink as possible by printing in black and
Email is a great way to communicate what you have
white unless absolutely necessary. It's also more efficient
to say. - and it is much faster than the traditional fax
to buy a printer with separate color cartridges. This is
and sending paper letters. Emailing information is a
because the combo color cartridges have to be replaced
great green paper practice, and doesn't have the same
whenever one color runs out, even if the other two are
risk of errors and distortions like faxing and mailing.
still full.
Email is becoming more professionally acceptable, and a
grammatically correct email with a company letter head
is oftentimes just as appropriate as a letter would be.
3. Buy Recycled Paper
NRA purchases only recycled paper for its printing
needs. Recycled paper uses 55 percent less water, and 60
to 70 percent less energy to produce than non recycled
paper. Imagine how many forest you could save as well
as how much paper you could prevent from ending up in
a landfill.
5
© 2009-2012 National Recovery Agency. All Rights Reserved.®