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Welcome to the NACM Commercial Services Credit Blog—your resource for insights, updates, and expert advice on credit management. Explore articles, case studies, and tools to stay informed, enhance your skills, and succeed in the evolving world of credit management.

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A Big Win for Creditors of Small Business Debtors

Bruce Nathan, partner & Mike Papandrea, counsel, Lowenstein Sandler LLP The “big” win: In a decision that helps balance Subchapter V’s pro-debtor provisions, the U.S. Court of Appeals for the Fifth Circuit recently held that the Bankruptcy Code’s exceptions to

So… What Now? Some Perspective from the Insolvency Arena on What Happens Next

By Michael A. Brandess and Mark S. Melickian, Creditors’ Rights Attorneys at Sugar Felsenthal Grais & Helsinger LLP In the timeless words of Larry David, business credit is pretty good right now. According to the American Bankruptcy Institute, April 2021

Chapter 11 Bankruptcy – If You’re Going to Watch the Game, You Should Know the Players

Jonathan Friedland and Michael Brandess,[1] partners with the Sugar Law Firm If you’re reading this article, then you are surely somewhat familiar with chapter 11 bankruptcy. In fact, you might deal with attorneys who do what we do (i.e. represent

Did You Know – Bankruptcy Checklist

Did you know we have more resources like this on our website under our Credit Resources? We are always finding new things to add to this page including this Bankruptcy Checklist that was just updated and added with help from

Secured Claims vs. Unsecured Claims – What is the Difference and Why Does it Matter in Bankruptcy

Written By: Leah Eisenberg, of counsel, Foley & Lardner LLP Loans and other debts generally fall under two categories: unsecured debt and secured debt. As will be discussed below, there is a significant divide when it comes to the treatment

When’s the Best Time to Help Yourself Collect a Delinquent Account? When You Get the Signed Credit Application and Before You Ever Ship!

Written By: Rod Wheeland, Wheeland Consulting Over the years I’ve reviewed hundreds of credit applications used by trade creditors. They sometimes have a limited terms and conditions section – which sets expectations and the tone for the relationship. And they

The Risky Business of Extending Credit to Ch. 11 Debtors

Once a thriving toy retailer, Toys R Us is no more. Debt struggles repeatedly struck the popular chain store in 2016 and led the company to hire a law firm for corporate restructuring the following year. In September 2017, the

Book Review: Survival Guide to Bankruptcy for In-House Counsel

By: Rod Wheeland, CCE NACM Commercial Services Judy D. Thompson and Glenn C. Thompson, Survival Guide to Bankruptcy for  In-House Counsel, American Bankruptcy Institute, 2017. This book might readily be entitled Survival Guide to Bankruptcy for Trade Credit Management. The

Chapter 15: Delaware Court Sends United States Creditor Packing … to Italy

By: David H. Conaway, Shumaker, Loop & Kendrick, LLP In the Chapter 15 proceeding of Energy Coal S.p.A., the Delaware Bankruptcy Court required a United States creditor to recover its claim in Italy. Because there is no uniform global insolvency

The Chapter 11 Vendor Game Changer: Section 503(b)(9) Claims

Recent Article on the Nuts and Bolts of Section 503(b)(9) Claims in Chapter 11 Cases. David Conaway, Partner – Shumaker, Loop & Kendrick, LLP The so-called 20-day administrative priority claim (set forth in Section 503(b)(9) of the Bankruptcy Code) is

An Insider’s Guide to Delaware, One of the Busiest Bankruptcy Courts in the United States

Written By Rafael X. Zahralddin-Aravena, Esq. and Elliott Greenleaf, P.C.[1] Wilmington, DE Shareholder, Director and Commercial Bankruptcy and Restructuring Practice Chair   Delaware continues to be a venue of choice for parties seeking a consistent and sophisticated jurisdiction to file

Red Flags That Warrant Consideration for Renegotiating Terms

Every day that a B2B payment is late, the value of that receivable to the creditor declines. What’s worse is that if a late payer ends up in bankruptcy, it takes the rosiest-colored glasses to hope for more than pennies

Look for the Warnings Signs of a Distressed Customer

Being able to discern the warnings signs of a financially distressed customer is critical. Although a decline in cash flow is the most important bellwether of financial distress, about 80% of all companies are privately held and don’t provide detailed

Points to Consider When Doing Business in Brazil

Brazil’s rise as one of the two or three most prolific emerging economies in the world at the beginning of the decade is nothing short of impressive. However, within five years it faltered despite being positioned as host of the

A Word From Our Members

One thing that I'm thankful for is the variety of credit reports that I'm able to obtain from NACM. It helps to make credit decisions and having those tools at my fingertips is just another reason why NACM is so valuable.
Alaina Worden, CCE
Alaina Worden, CCECredit & Collections Manager
Carson Oil
Having quick, complete, and accurate credit information at my fingertips is an absolute necessity in today’s ever-changing environment. Experian provides the tools we need to determine credit risk and make sound credit decisions for the wellness of my company.
Tawnya Marsh, CCE
Tawnya Marsh, CCEAR Credit Supervisor
Tillamook County Creamery
In order to do a complete and thorough job on risk analysis, I need quick and reliable information, Experian provides me with both and helps me to quickly determine a business’s creditworthiness which gives a more consistent track record for credit decisions.
Julie A. Demakis, CBF, CCRA
Julie A. Demakis, CBF, CCRACorporate Credit & AR Manager
Stoneway Electric Supply Co.
Utilizing NACM’s international credit reports is essential for mitigating risk within our international portfolio.  NACM simplifies the ordering process and ensures prompt, courteous service.
Tim Cain - Director
Tim Cain - DirectorDirector - Global Credit and Collections
KEEN, Inc.
NACM’s National Trade Credit Reports are an integral part of our credit decision making process. Doing a routine credit check on a “good-paying customer” has led to unexpected red flags that have assisted in our ability to act quicker than we otherwise would have.  
Dan Simpson
Dan SimpsonCredit & A/R
Kodiak Building Partners
Utilizing D&B Solutions helps our company manage our portfolio.  We can review our risk exposure at any time with a click of a button.  The information provided is accurate and current.
Melissa Kobus, CCE
Melissa Kobus, CCEDirector Credit and Collections
Walters Wholesale Electric
NACM Commercial Services has proven to be a vital partner in today’s business environment. Membership in the specialized industry groups provides invaluable networking and credit information exchange all within a controlled setting while the vast educational offerings help to broaden your personal horizons.
Eve Sahnow, CCE
Eve Sahnow, CCECorporate Credit Manager
OrePac
My introduction into NACM began with taking advantage of many continuing educational sessions I needed to learn the basics of credit and collections. After being actively involved in the credit and finance profession for 30 years, NACM continues to provide invaluable resources and services that benefits me.
Brett Hanft, CBA
Brett Hanft, CBACorporate Credit Manager
American Int'l Forest Prod LLC
Working with NACM for over 20+ years has been fantastic. NACMCS has many different tools to use throughout credit making decisions and I highly recommend them!
Bernie Grabowski
Bernie GrabowskiCorporate Credit Manager
Service Steel Aerospace Corp
The most beneficial things about KTP’s membership with NACMCS are the ability to get accurate information from credit reporting, peers in our industry, and the relationships with other credit managers across the nation.
Sheryl Rasmusson
Sheryl RasmussonPresident 
Kilgore Tec Products (KTP)
NACM has allowed me to build many relationships and grow in my career. Credit has so many ups and downs that you build a different type of bond with the people you work and collaborate with, starting with one of their very own, Clara Nemeth. Thank you for always being a great resource on which I know I can depend.
Elizabeth Winson
Elizabeth WinsonCredit Manager
Peterson Holding Co
As a member of NACM, I have always enjoyed the great networking opportunities that allow me to learn and grow alongside other credit professionals. No credit reports or textbooks can replace the immense knowledge shared at industry groups and conferences.
Carol Ross
Carol RossCredit Manager
PARR
Having been a member of NACM for over 10 years, I am still amazed at how many resources are available to the membership free of charge, from the basics of a credit policy to free legal advice. It is evident that NACM cares about being a vital part of the business organizations it serves.
Julie McNurney, CBF
Julie McNurney, CBFSecured Transactions Specialist
OrePac 
Our NACM CS membership has been invaluable, providing us with critical industry intelligence and trends through insightful group meetings. Additionally, the strong relationships we’ve built with fellow members provide opportunities to share and collaborate on new industry technologies and changes.
Donna Kelman
Donna KelmanCorporate Credit Manager
Tolko Marketing and Sales Ltd.
NACM’s education surrounding Credit Best Practices and Credit, Business and Lien Laws has been a tremendous help in my credit career. The personal growth I have experienced by attending the CFDD meetings has helped me to be a leader.
Melissa Garcia, CBF
Melissa Garcia, CBFCredit Portfolio Manager
Bridgewell Resources LLC
I am thankful for the exceptional education courses and being awarded a scholarship that made the recent experience of earning my CBA designation the best.  I am grateful to be a part of such a wonderful organization! 
Mallory Bell, CBA
Mallory Bell, CBAAccounts Receivable/Credit Specialist
Dupree Building Specialties
Continuing credit education and ongoing training is paramount to the success of everyone on our team! NACM Commercial Services is a good partner to help us accomplish these needs.
Holly McAndrew
Holly McAndrewWholesale Credit Manager
Urban Outfitters
NACM Collectors helped us recover bad debt from a sticky situation and they handled it like a Pro! 
A Satisfied Collection Member
A Satisfied Collection Member
Participating in NACM’s Regional Metals industry trade group has been an invaluable resource, providing access to current customer payment trends, networking opportunities, and professional development. 
Dan Zaback
Dan ZabackCredit Manager 
Alaskan Copper Companies, Inc.
As an NACM trade group member, I’ve gained valuable insights beyond what credit reports offer. With our collective years of experience in Credit Management, it is a pleasure working with my peers and has truly been both encouraging and supportive.
Cindy Olivas
Cindy OlivasCredit Manager 
Pacific Metal Company
Being a member of our industry group has been invaluable to me. The networking opportunities, knowledge sharing, and support from fellow members have significantly contributed to my professional growth and success.
Kristirose White
Kristirose WhiteCorporate Credit Manager 
Farwest Steel
Thank you so much Kendall.  I always appreciate the quick responses, your excellent customer service, and how solution-oriented you are!
Mike Stanley
Mike StanleyCredit Analyst 
Masons Supply has relied on NACM’s Experian credit reports for years for all credit decisions. They help us minimize risk, understand growth opportunities, and troubleshoot issues, making NACM our preferred solution.
Jake Merriman
Jake MerrimanCredit Manager 
Conmas Construction Supply
I find the quick and easy access to credit reports essential in making accurate decisions.
Kacey Watt
Kacey WattLead Receivable Accountant
Toyota Lift