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Publications and Articles

C.E.O. David Balovich and the 3JM Company are no strangers to leading edge publications. In addition to a variety of company specific manuals and procedures, Mr. Balovich’s articles have been featured in nationally known publications such as Creditworthy News, IOMA, What's Working in Credit and Collections and D&B Reports.

Mr. Balovich is also a contributing author to PPC’s acclaimed The Controllership Guide and co-author of The Commercial Credit and Collection’s Guide. These important publications can be ordered direct from WG&L at 800-431-9025

The following is a list of articles written by Mr. Balovich that first appeared in the Creditworthy News and have subsequently appeared in other publications.

Date Title
9/4/97 THE FUNCTION OF THE CREDIT APPLICATION
9/12/97 THE CREDIT APPLICATION (CONTINUATION)
9/20/97 REGULATION B AND WHEN IT IS APPROPRIATE TO PULL A CREDIT REPORT
9/25/97 REGULATION B (CONTINUATION)
10/2/97 REGULATION B (FINAL INSTALLMENT)
10/9/97 CREDIT LIMIT VS CREDIT LINE
10/15/97 QUESTION/ANSWERS
10/22/97 ARTICLE 9
10/29/97 ARTICLE 9 - SECOND INSTALLMENT
11/12/97 SELLING TO MARGINAL ACCOUNTS
11/20/97 REDUCING RISK
12/4/97 CREDIT AND CONFIDENTIALITY
12/10/97 CREDIT MYTH
12/20/97 FORM 1099
1/8/98 PREPARING FOR NEW BEGINNINGS
1/15/98 CREDIT DEPARTMENT
1/22/98 NEW EMPLOYEES
1/29/98 ROLE OF MANAGEMENT
2/4/98 CUSTOMERS
2/15/98 ITS NOT ONLY THE PROGRAMERS WHO HAVE A Y2K PROBLEM
2/28/98 HAVE YOU CONSIDERED MEDIATION?
3/13/98  MEDIATION - THE FINAL INSTALLMENT 
3/18/98 WHAT DOES IT MEAN WHEN A COMPANY HAS BEEN PLACED IN RECEIVERSHIP? 
3/25/98 THE 3 C's OF CREDIT SHOULD BE THE FOUNDATION OF ALL CREDIT DECISIONS 
4/2/98  TRENDS IN 3RD PARTY COLLECTIONS
5/2/98  CREDIT REPORTS
5/14/98 COLLECTION LETTERS ----- ARE THEY EFFECTIVE? 
5/26/98 COMMUNICATION
6/22/98  FAIR CREDIT REPORTING ACT AND AUTHORIZATION TO PULL PERSONAL CREDIT REPORTS 
6/28/98 TIPS FOR INCREASING PRODUCTIVITY WITHIN THE CREDIT DEPARTMENT
7/6/98 EDUCATION SURVEY
7/13/98 SECURED TRANSACTIONS (UCC ARTICLE 9)
7/27/98 SECURED TRANSACTIONS, PART 2
8/19/98 WHEN TO RECORD A SECURITY AGREEMENT AND WHY YOU ALWAYS SHOULD
8/26/98 SECURITY AGREEMENT vs. PURCHASE MONEY SECURITY AGREEMENT
9/3/98 FILING THE SECURITY AGREEMENT
9/10/98 CALIFORNIA CORPORATION 2 SIGNATURE LAW
9/23/98 PERFECTING THE SECURITY AGREEMENT
10/2/98 KEEP ME INFORMED ABOUT THE BAD STUFF
10/8/98 FINANCIAL STATEMENT ANALYSIS
10/22/98 FINANCIAL STATEMENT ANALYSIS (Part 2)
10/29/98 NOTES TO FINANCIAL STATEMENTS (Part 3)
11/19/98 THE BALANCE SHEET (Part 4)
12/3/98 FINANCIAL STATEMENT (Part 5)
12/21/98 INVENTORY (Part 6)
1/14/99 LONG TERM ASSETS
2/1/99 INTANGIBLE ASSETS
2/22/99 LIABILITIES
3/24/99 FINANCIAL STATEMENT ANALYSIS - STOCKHOLDER EQUITY
4/7/99 CAN TELEPHONE COMPANIES CHARGE LONG DISTANCE FEES FOR INTERNET ACCESS?
4/22/99 RIDING A DEAD HORSE
5/5/99 NUMBER OF ACCOUNTS A CREDIT REP SHOULD BE RESPONSIBLE FOR
6/2/99 DOES YOUR JOB TITLE FIT YOUR JOB DESCRIPTION?
7/15/99 READER RESPONSES
7/29/99 ARE YOU FUNCTIONAL?
8/19/99 TRANSFORMATION
9/2/99 MAKING THE MOST OF COLLECTORS
9/23/99 WHAT ARE WE DOING?
10/14/99 THE 3 C'S OF CREDIT
11/4/99 WHAT ARE WE DOING?
1/7/00 HAPPY NEW YEAR!
1/25/00 CREDIT SCORING
2/2/00 ARTICLE 9 REVISION
2/24/00 ARTICLE 9 REVISION
3/16/00 ARTICLE 9 REVISION
4/12/00 ARTICLE 9 REVISION
5/3/00 THE SEVEN STEPS TO A SUCCESSFUL CREDIT ORGANIZATION
5/24/00 RESPONSE TO THE SEVEN STEPS TO A SUCCESSFUL CREDIT ORGANIZATION
7/5/00 WARNING SIGNS
7/26/00 WORK-OUT VS ASSIGNMENT FOR THE BENEFIT OF CREDITORS
8/16/00 ASSIGNMENT FOR THE BENEFIT OF CREDITORS
9/7/00 INFORMING THE CUSTOMER OF THE BASICS
9/27/00 JOINT CHECK AGREEMENTS
10/18/00 THE FTC HAS SPOKEN
11/07/00 PLEASE . . . DON'T SHOOT THE MESSENGER
11/29/00 CREDIT SALES
12/20/00 AN OUNCE OF PREVENTION
2/7/01 EXPERTS CAN BE HELD LIABLE
2/27/01 WHAT IS AN LLC?
3/14/01 ARE YOU LISTENING?
4/4/01 ATTENDING SEMINARS
4/27/01 SOME THINGS NEVER CHANGE
5/16/01 REVISED ARTICLE 9
6/6/01 GRAMM-LEACH-BLILEY ACT
7/3/01 THE REVISED UCC: SECURITY AGREEMENTS
7/25/01 THE FINANCING STATEMENT (UCC-1)
8/16/01 THE FINANCING STATEMENT (UCC-1), PART 2
9/5/01 PROVIDING A LEARNING ENVIRONMENT
9/26/01 REFLECTIONS
10/17/01 PROVIDING A LEARNING ENVIRONMENT: THE NEED FOR TRAINING ASSESSMENTS
11/7/01 THE MANAGER AS TEACHER
11/28/01 OBTAINING FINANCIAL INFORMATION
1/9/02 TIME TO TAKE RESPONSIBILITY
1/30/02 BANKRUPTCY REFORM
2/20/02 ESTABLISHING CREDIT FOR START-UP BUSINESSES
3/13/02 BUSINESS BANKRUPTCY
4/3/02 REHABILITATION AND RESTRUCTURING IN CHAPTER 11 BANKRUPTCY
4/24/02 CHAPTER 11 CONFIRMATION
5/15/02 WHAT TO DO WHEN THE TRUSTEE CALLS CONCERNING PREFERENCE PAYMENT
6/5/02 CREDITORS RIGHTS TO ASSURANCE OF PERFORMANCE
6/26/02 RECRUITING AND SELECTING EMPLOYEES
7/17/02 RECRUITING AND SELECTING EMPLOYEES #2
8/7/02 RECRUITING AND SELECTING EMPLOYEES #3
8/28/02 ALTERNATIVES TO CREDIT HOLD
9/18/02 BANKRUPTCY UPDATE
10/9/02 MONITORING TELEPHONE CALLS
10/30/02 WHAT HAPPENED TO THE MARKET?
11/20/02 TRUST INVOLVES CHARACTER
12/11/02 WHY ALL THE CONVERN OVER FAS 142
1/8/03 REGULATION B REVISITED
1/29/03 CONFIDENTIALITY
2/19/03 HOW WELL DO YOU LISTEN?
3/12/03 WHAT ABOUT A BUSINESS PLAN
4/2/03 CREDIT SCORING
4/22/03 THE ULTIMATE GUIDE TO SUCCESSFUL MANAGEMENT
5/14/03 SUPPORTIVE MANAGEMENT
6/4/03 ARE WE OVERLOOKING IMPORTANT INFORMATION?
6/25/03 AQUISITIONS, CONSOLIDATIONS, MERGERS. WHO PAYS?
7/16/03 CHANGE IN OWNERSHIP AND ACCOUNT NUMBERS
8/6/03 JOINT VENTURES
8/27/03 CENTRALIZATION VS DECENTRALIZATION TAKES ON A WHOLE NEW MEANING
9/17/03 IMPROVE BILLING TO INCREASE COLLECTION PERFORMANCE
10/8/03 HAVE YOU NOTICED
10/29/03 IMPROVE YOUR COLLECTION AGENCY'S RESULTS
11/19/03 PREFERENCES
12/10/03 YEAR END MUSINGS
2/4/04 COACHING THE TEAM TO SUCCESS
2/25/04 CREDIT ANALYSIS VERSUS RISK ANALYSIS
3/17/04 UNDERSTANDING THE CREDIT SCORE
4/7/04 CELL PHONE POLICY
4/28/04 PARDON ME, COULD YOU SPARE SOME TIME?
5/26/04 ECOA UPDATE
6/16/04 A DAY WITHOUT DEBTORS
7/7/04 CREDIT AND DIVORCE
7/28/04 CONTINUING EDUCATION
8/18/04 CREDIT APPLICATION OR AGREEMENT?
9/22/04 CHECK CLEARING FOR THE 21ST CENTURY ACT
10/13/04 HOLDING ORDERS? ABSOLUTELY
11/3/04 IS IT TIME TO CENTRALIZE THE CREDIT DEPARTMENT?
12/1/04 RESOLVING DISPUTES
1/5/05 OXYMORONS
2/9/05 ESTABLISHING RELATIONSHIPS
3/9/05 FAIRNESS IN BANKRUPTCY LEGISLATION ACT OF 2005
4/6/05 U.S. SENATE PASSES BANKRUPTCY AMENDMENT
5/12/05 TIME FOR AN INTERNATIONAL COMMERCIAL CODE
6/17/05 I DON'T HAVE THE TIME . . .
8/18/05 VERIFYING JOB APPLICATION (Without Getting Sued)
9/16/05 IS YOUR FIRM OPPA COMPLIANT?
9/16/05 UCC PITFALS
10/20/05 THE BANKRUPTCY ACT OF 2005
11/17/05 ENFORCEMENT OF A JUDGMENT IN ANOTHER STATE
12/22/05 DOES YOUR OPERATIONAL PLAN COMPLIMENT YOUR COMPANY’S STRATEGIC PLAN?  
1/19/06 WHO DO YOU WORK FOR?
2/16/06 IMPROVE COLLECTIONS THROUGH CHANGE
3/20/06 HANDLING CUSTOMER COMPLAINTS
4/19/06 LETTERS OF CREDIT
5/18/06 SMALL CLAIMS COURT FOR DEBT COLLECTION AND DISPUTES
6/23/06 SUCCESS CAN BE HABIT FORMING
8/17/06 RESPECT IN THE WORKPLACE
9/27/06 MANAGING THE AT RISK CUSTOMER
10/20/06 PARITY
11/27/06 THIRTY ROAD TEST COLLECTION METHODS
2/1/07 FAIR DEBT COLLECTION PRACTICES ACT
3/12/07 DEFAULT RATE FOR BORROWERS EXCEEDS EXPECTATIONS
5/3/07 THE FLOAT IS GONE
6/1/07 ARE WE HEADED TOWARD EXTINCTION?
7/16/07 CREDIT PROFESSIONAL EXTINCTION REVISITED
9/5/07 SARBANES –OXLEY DOCUMENT RETENTION AND BEST PRACTICES
10/2/07 A QUESTION OF ETHICS
11/6/07 STEPS TO CULTIVATE OUR GARDEN
1/16/08 THE IMPORTANCE OF CREDIT AGREEMENTS
3/13/08 EFFECTIVE COLLECTING
5/13/08 ANTITRUST LAWS
6/10/08 CREDIT INVESTIGATION
9/2/08 KEEP IT SIMPLE
10/29/08 EVERYONE IS TO BLAME
11/20/08 CREDIT GRANTING 2009
1/13/09 EMPLOYEES MUST PROVIDE ADDED VALUE SKILLS
2/19/09 BANKRUPTCY IS NO LONGER SEEN AS A BUSINESS TOOL
3/31/09 IS YOUR ORGANIZATION "RECESSION READY"?
5/6/09 SHOULD CREDIT PROFESSIONALS REPORT TO ACCOUNTING OR SALES?
6/11/09 RULE 6003 DOES ANYONE CARE?
8/5/09 WORKING OUTSIDE THE BOX
9/15/09 PREFERENCES UNDER U.S. BANKRUPTCY LAW
11/24/09 PROTECTING YOUR ASSETS IN UNCERTAIN TIMES
1/5/10 EMPLOYEE OR INDEPENDENT CONTRACTOR?
2/19/10 INFLATION WHAT AND WHY
3/22/10 CUSTOMER DEDUCTIONS
4/27/10 ESCHEAT WHAT?
6/8/10 IS THERE ANY REASON NOT TO SELL POST PETITION?

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