Bad Behavior
By J. Dennis Mock

As 2008 became 2009, I couldn’t help but reflect on the good and the bad that occurred during the previous year. It brought memories of connections to previous events in other years. Due to some significant issues I observed in the closing months of 2008, I was drawn back to the conference room at the American Collector’s Association (ACA) headquarters in the early 1990s, where the details of the newly formed International Billing Association (IBA)—soon to become HBMA—were being hammered out.

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