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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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By Scott Havn, Esq. and Jean C. Arnold, Esq. The question: “Are electronic signatures legal,” usually comes up regarding credit applications, personal guaranties, and other routine business documents. The short answer is, “Yes.” However, there are caveats and practical considerations

By: Wanda Borges, Esq., Borges & Associates, LLC The diligent credit executive must be ever mindful of the multiple functions that can be performed by a well-drafted credit application. A credit application is not only a useful source of information

By Scott E. Blakeley, Esq. republished from www.blakeleyllp.com The Electronic Signatures in Global and National Commerce Act (The E-Sign Act) went into effect November 2000. The E-Sign Act makes an electronic signature (e-signature) as legally binding as ink-and-paper signatures, and

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