PICB's Monthly Digest of Sound Credit And Collections Practices

Volume 10, Nov. 2014   

Dear Member,
We at Printing Industry Credit Bureau wish all a 
Happy Thanksgiving and may the only turkey 
seen be the one on your table.


With much respect, 

Original Artwork by Marc. Art, Inc. mob5948@aol.com

Puny Primitive Disputes, 

A Pre-hysterical tale!

By Andrea Schlack


Way, Way back at the dawn of time, Bob, a starving caveman, was primordial ooze and bones and in dire need of food.  Not being the typical aggressive Neanderthal he never really mastered the art of hunting, and farming was not yet invented so he often went hungry. One day, while contemplating his navel, and dreaming of a dino-steak, he had an epiphany! A sharpened stick would make an excellent fishing spear.


If Bob had to choose between hunting a two ton saber tooth tiger versus fishing for a jawless Pteraspis, he, of course, preferred seafood to becoming cat food....and the spear worked!


Steve, a neighboring caveman who was lurking in the bushes, had witnessed Bob's genius and decided at that instant he HAD to have it!  No, not the spear:  Why bother taking a spear when he could steal the sturgeon, and besides, if he took the spear he would have to fish.  Work! The thought of it made him cringe. 'UGH! (The first primeval expletive)I deserve a better fate than to tackle pterodactyls, and Bob would never miss just one fish'.


Like all cons, Steve could not stop at stealing just one so he kept pilfering Bob's fish until he finally was caught, dead fish In hand. 


Bob, being the wimpy caveman he is, never developed that troglodyte aggression for dominance, so rather than fight he decided a merger would be more practical. He proposed an alliance with Steve where he would provide the fish and Steve would handle the distribution, thus they created the first primitive contract and formed The Cro-Magnon Clan Company, a Stone-Age partnership.


The contract between Steve and Bob was finally set in stone. It did take a  bit longer because their chisels were still first generation, but eventually they sealed their deal with blood (signatures were not yet valid because names would not be used for another thousand years).


Bob and Steve prospered, eventually finding new digs in a better cave. They now lived the good life in an up-scale mountain. They both believed it was what they deserved being so industrious, but as with all poorly conceived business plans eventually the new found alliance went bad!


Bob noticed his shares were shrinking. He was again hungry and began to wonder if Steve was stealing his fish.  So he watched and sadly discovered he was once more Steve's victim. Bob knew he would have to confront Steve and decided to do so the next time they went clubbing.


Bob finally worked up enough courage to ask for his scale of fish shares. He stood upright, no longer dragging his knuckles on the ground, and pointed one of his now opposing thumbs at Steve and demanded his fish NOW or else!


Steve pretended bewilderment then claimed he had no idea what Bob was grunting about: 'I would never steal anyone's fish, and besides I saw the woolly mammoth take it'.  When the excuses did not work he tried compliments; 'Hey Bob, 'nice under the butt nut hut, can you make one for me, I would love to look as good as you' or 'Gee Bob, I am so sorry I lost your pebbles I wish I were as smart as you and wore an over the shoulder boulder holder to protect OUR pebbles.'


The excuses went on for eons until Bob finally had heard enough of Steve's lies and could not stomach any more of his cheating, conniving, and thieving ways. He tossed Steve out of Cro-Magnon's and demanded immediate payment.


Bob went to see Mr. Gottrocks, the first Jurassic lawyer. Gottrocks, who resembled a troll, was a mean son of a T-Rex who took no bronchus burgers from anyone. He agreed to represent Bob and demanded payment be brought to the communal fire that night or suffer clan justice served the HARD way.


The first law suit was filed shortly thereafter.


Bob's complaint alleged Steve stole from Cro-Magnon's by taking more than he was entitled to and that there was a debt due that he now demanded be paid. Sadly Bob forgot the circumstances of how he met Steve and so naturally when Steve denied all of Bob's allegations Bob was shocked.  Steve filed a complaint not only denying he owed any pebbles to Bob but he actually blamed Bob for  Cro-Magnon's losses claiming Bob was negligent in the asset management of Cro-Magnon's. Steve's cross demand claimed he was entitled to payment greater than what Bob claimed due and he should be compensated thusly.......The battle was on!


The case is still on-going but we expect a ruling soon.

The moral of this never ending story is even puny primitive disputes  take eons to resolve when you trust the wrong caveman.





  • Use credit agreements that clearly define your payment terms
  • Make sure your contracts have a rock solid indemnification, dispute resolution statement, and a clear statement of limitation of liability
  • Make sure ALL customers fill out and sign your credit agreements. Remember, an attached fact sheet is NOT binding to your terms
  • Check the customers information by performing due diligence prior to granting any terms
  • Remember credit is a privilege not a right
  • Ask for cash when the risk outweighs any benefit
  • Periodically re-verify the information to determine stability, viability, or any structural changes
  • Maintain a good paper trail.
  • If it was done with a handshake it cannot be proven!
  • Do not be afraid to ask for payment when it is due
  • Adjust terms if a customer is not doing as they promised
  • Know when you need help and don't wait to ask
  • Printing Industry Credit Bureau can help with all your credit & collection needs


Call us any time at (847) 265-0400
For Collections, visit PICB: www.picb-us.com
For Risk Assessment, visit Check It Co: www.checkitco.com

Florida Law Change Helps Printers 

Protect Their Rights 


By Richard Ahlquist, Attorney

Ahlquist & Associates, Florida 



Note that to address abuse and evasion by a party to be served through a private mailbox Florida enacted Florida Statute 48.031, paragraph (6), which provides "if the only address for a person to be served, which is discoverable through public records, is a private mailbox, substitute service may be made by leaving a copy of the process with the person in charge of the private mailbox, but only if the process server determines that the person to be served maintains a mailbox at that location".


Most institutional private mailboxes such as UPS have in place a protocol where they will provide information to the private process server as to whether or not a party to be served maintains a mailbox at that location. Only a few independent private mailboxes dishonor that protocol. Often if the only public record as to the address where the party to be served is a private mailbox I instruct the process server of that public record information and request that he drop serve the person in charge of the private mailbox if the person in charge refuses to otherwise accept service of process or reveal whether or not the party to be served has a private mailbox at that location.

A copy of that Statute is attached.


I interpret public records to include credit applications, invoices or statement or proof of delivery information, any advertising, any disclosures with the private p.o. box by the parties to be served if attached to the complaint. Once same is incorporated in the complaint it becomes public information.


The Statute was enacted to allow service of process because many private mailboxes as a part of their contracted services would withhold information as to the street address or other address of the principal of the party to be served. The courts got tired of that and wasted hearings, although we still have a problem with the federal post office giving you any postal information or addresses they have once you make appropriate inquiry. Private mailboxes still attempt to hide that information as it gives them a marketing edge. Thus the drop service noted above.



Collection Services 

PICB is the printing industry's dedicated commercial collection agency that has helped printers recover unpaid debts for over 35 years.  Our collection expertise, personal service, dedication, and intimate knowledge of the industry produce superior results at rates below industry averages.

√Check It Company

PICB's sister company created an easy to use web portal to government sponsored web-sites that provides real-time, free information you may find helpful in determining a customer's stability or viability. These sites provide you the ability to verify business registrations, civil court records, lien information, and much more.


Credit Risk Assessment Reports 

No time to research your customer's background?  PICB's sister company, Check It Co. can help. Check It Co's Credit Risk Assessments compile reports the old-fashioned way with hands-on, extensive research using 21st century tools.  Know your customer before you do the work and you won't get KISSED. 

PICB's free web-based tool, located at www.picb-us.com near the center of the navigation bar, provides free access to our database of customers who haven't paid printers.  Look up your potential customer and see if PICB already knows them.  It may save you some heartache. 
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Printing Industry Credit Bureau - PICB

(847) 265-0400

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Your Staff at 
Printing Industry
 Credit Bureau

Andrea Schlack 

 Dennis Adams

Vice President
Collections Manager









Don't let them  bite twice!


A partial list of Uncollected Judgments for MAY 2014. 



 Click here

to view the full list.




Alex Fino dba SF Transport Services (PA)




Associated Air Products 





Berg Printing Enterprises, LLC dba Masterprint (WI)




Blue Ink





CCMP dba BerylMartin 






Christopher Nicholas Campos dba Campos School Portraits 





CMY&K Advertising





CMY&K Publishing





Dale Jaslove Ind dba Healthcare Construciton 





DBR Enterprises Inc & Anna Fregron as Personal Guarantor  





Desi Talk Inc (dissolved)

Hemant, Inc. (dissolved) 

Brahmbharr, Inc.






Direct Media Marketing, Inc. 





El Sol Newspaper 





Ewa Kuchino dba A to Z Media Graph (dissolved) 





Frank Finocchiaro individually & T/A LBT Systems & LBT Systems, Inc.





First Fruits Beverage Company 





Gregorys Furniture & Mattress LLC





Hi India, Inc. 





Higher Standard Entreprises Inc dba Intouch Publishers.com





Hip Hop Weekly Entertainment, inc. 





Home Video Studio, Inc. 





Hometown Heating & Cooling, Richard E. Fox, individually





Indian Hill System Inc, Robert Kelly






 Jeffrey Samuel Perry dba Chicago Salon & Day Spa





Jill Morgenthaler for Congress





Jim Weems dba J Print Services





Joseph D. Rinder dba Beltone Hearing Aid Center, and individually





Karry Matheson dba Matheson Custom Print, and individually





Kenmar Stationary





Ron Carter Individually And D/B/A South Street Journal





Sandesh Publications Inc an Il Corp





South Street Journal Inc An IL Corp And Ron Carter D/B/A





Steve Bonica D/B/A  Romanian Tribune



Sy Leng A/K/A Leng Sy D/B/A Eco Systems Aquarium



Voyager Enterprise, Inc.