Guests:
- Topher Androff, Universal Fidelity 
- Mark Neeb, Freede
- Chris Taylor, NES

DISCUSSION TOPICS
- Companies across the ARM industry are having problems finding qualified candidates to fill job vacancies. Are there ways that technology can help offset those labor issues? 
- I had an experienced collections professional that told me the older that a debt gets, the less important technology becomes. Because it takes a human to convince someone to pay an old debt. Agree/disagree? 

• Now that we are a few months into the Regulation F era in debt collection, are you seeing text messaging and emails being used more frequently in communicating with consumers? 

• With all of the rhetoric and attention being paid to credit reporting, how can technology help companies ensure that they are not going to end up in the headlines or the target of an enforcement action?

• An app or software you would recommend to the audience. Something to help them be more productive, improve communications, stay organized, or help them in their daily lives.