Even though they have tried multiple collection efforts, your clients still haven't been paid a debt they're owed. That's when they turn to you for help. However, debt collection today is nothing like it was in the past, and smart professionals know they tread a fine line. How can you get the money owed, while staying in compliance with the Fair Debt Collection Practices Act? We know – and can show you how. Order today!

1. Pre-Suit Collection Strategies
2. The Fair Debt Collection Practices Act
3. Filing the Lawsuit - Developing Definitive Strategies
4. Collecting the Judgment
5. The Impact of Bankruptcy on Collections
6. Avoiding Ethical Tangles in Collections

1. PRE-SUIT COLLECTION STRATEGIES
   9:00 - 9:50, Rafael Bosque Perez
   1. How to Decide Whether to Pursue Collection
   2. Preventative Collection - Collecting Without Filing a Lawsuit
   3. How to Discover Assets - Finding Property From Which to Collect
2. THE FAIR DEBT COLLECTION PRACTICES ACT
   9:50 - 10:40, Ricardo Diaz Soto
   1. Scope of the FDCPA
   2. Understanding the Actions Permitted or Restricted by the Act
3. FILING THE LAWSUIT - DEVELOPING DEFINITIVE STRATEGIES
   10:55 - 11:50, Rafael Bosque Perez
   1. Knowing the Debtor
   2. When to Pursue the Judgment
   3. How to Effectively Get the Debtor's Attention
   4. Avoiding Counterclaims
   5. Obtaining Judgment
   6. The General Law of Judgments
4. COLLECTING THE JUDGMENT
   12:50 - 1:40, Rafael Bosque Perez
   1. Use of Judgment Liens on Real Property
   2. Use of Judgment Liens on Personal Property
   3. Self-Help Repossession
   4. Writs of Execution, Seize and Sale by Sheriff
   5. Wage Garnishment
   6. Attachments
   7. Exemptions by Debtor
   8. Fraudulent Conveyances
5. BANKRUPTCY REFORM AND ITS IMPACT ON THE DEBTORS, CREDITORS AND THE SYSTEM
   1:40 - 2:30, Ricardo Diaz Soto
   1. What to do When the Debtor Files Bankruptcy
   2. Liquidation or Reorganization?
   3. Surrender, Redemption or Reaffirmation of Secured Debt
   4. Automatic Stay Issues
   5. Means Testing and "Abusive Filing"
   6. Taking a Look at Exemption Planning
   7. 707(a) and 707(b) Dismissal
   8. Discharge of Debt/Dischargeability
6. AVOIDING ETHICAL TANGLES IN COLLECTIONS
   2:45 - 3:45, Ricardo Diaz Soto
   1. Eliminating Ethical Problems From Your Practice
   2. Zealous Representation or Vexatious Practices
   3. Lawyer Liability
   4. Attorneys' Fees
7. MISCELLANEOUS ISSUES
   3:45 - 4:30, Rafael Bosque Perez
   1. Loan Comments
   2. Lender Liability Issues
   3. Handling Workout Plans
   4. Dealing With Proceedings Against Guarantors
   5. Loan Documentation, Collection and Foreclosure

RAFAEL BOSQUE-PEREZ is a partner in the Hato Rey law firm of Bosque Perez & Asociados, C.S.P., where his areas of main practice include civil litigation at state and administrative forums and dealing with cases regarding horizontal property (condominiums), homeowners, association law, creditor collections, contract law, torts, corporate and business law. He is admitted to practice in the Puerto Rico Supreme Court, and the Court of Appeals, 1st Circuit. Mr. Bosque-Perez earned his B.A. degree, magna cum laude, and his J.D. degree from the University of Puerto Rico. He has spoken to business groups on collection issues and dictated numerous courses at universities including commercial law. Mr. Bosque-Perez is a member of the Puerto Rico Bar Association, a Board of Directors of various nonprofit organizations and a member of the Puerto Rico Chamber of Commerce.

RICARDO DIAZ SOTO is a partner in the San Juan law firm of Diaz Soto Law Office, where his areas of practice include contract law, creditor bankruptcy, torts, personal injury, insurance defense, automobile accidents and injuries, slip and fall, environmental law, creditor collections, corporate law and business law. Mr. Diaz Soto earned his B.A. degree, magna cum laude, and his J.D. degree from the University of Puerto Rico. He has spoken to business groups on collection and creditor rights issues. Mr. Diaz Soto is a member of the Puerto Rico Bar Association, the Federal Bar Association and the Association of Credit and Collection Professionals.

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Phone: 866-240-1890

Email: credit@nbi-sems.com