About the Business Credit Management Association

Regardless of your company’s size, all businesses share the critically important functions of timely and efficiently converting sales into accounts receivable and then into cash through the extensions of credit. This has become known as the order to cash cycle.

BCMA/WCA is the order to cash\credit person’s support and professional management organization. Our organization provides you with:

  • The latest techniques in managing your receivables
  • Optimal techniques in tactful collection, fraud, and bad debt avoidance and;
  • The opportunity for education that will raise the performance and efficiency of your credit and collection personnel to the highest level

Important and cost savings opportunities to maximize your credit and collections effectiveness are available:

  • Commercial Recovery & Collections
  • Credit & Collections Consulting Services
  • Industry Credit Group Interchanges
  • Educational Webinars & Seminars
  • Professional Accreditations
  • Industry Trend Data
  • Bankruptcy Consulting Services
  • Mediation Services
  • Business Owner Credit Reports
  • Resume Referral Services
  • Temporary Help Services
  • Topical Technical Seminar

Your company needs membership in the BCMA\WCA. Utilization of the above programs and additional services can reduce your credit administration costs & improve your collections and cash flow. Take advantage of all BCMA\WCA has to offer and receive a multi-fold return on your investment.

Legal Aspects of Credit & Collections


August 21, 2024

9:00 a.m. – 10:00 a.m. CT

Presenter: David Balovich

In this fast-paced hour devoted entirely to the legal aspects that affect the daily operations of the successful credit and collection department, David Balovich discusses the numerous day-to-day legal occurrences that credit professionals deal with that can affect productivity, success, and failures.

  • Learn the difference between Credit Agreements and Credit Applications and why Credit Applications are becoming obsolete.
  • Learn the importance of knowing your customer’s correct legal name.
  • Learn about the pitfalls of personal and corporate guarantees and how to make them effective.
  • Learn when the customer’s purchase order terms are a valid reason for the customer to pay beyond your terms of sale and how to avoid it.
  • Learn how and the importance of being a secured creditor and how easy it is to become one.
  • Learn about the Unclaimed Property Act and its requirements.



  • $65 BCMA/WCA Members
  • $79 all others


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