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Original Articles

Accounts Receivable Sales Force

Brown & Joseph Business Development Team Members

Dennis Falletti

Executive Vice President of Insurance Division

Dennis’s experience spans over 27 years as a sales and marketing executive in the accounts receivable management industry. His resume includes roles as an independent consultant and a sales and operations management professional working with companies ranging from small businesses to Fortune 500’s. He has in-depth knowledge of receivable portfolio purchasing, A/R management, software solutions, credit risk assessment, procedures, collections, and the BPO of receivables process and management.

In addition to his present duties, He was elected to the Gerson Lehrman Group’s National Advisory Council’s Top 20 Advisory Group as an independent consultant and elevated to the status of Focus Subject Matter Expert at

The Gerson Lehrman Group Council is a global network of professionals who deliver expertise and decision-making assistance to business, government and investment leaders from around the world.

Specialties - Commercial collections for B2B segments with a focus on insurance audit and earned premium collections and recovery management. Disability overpayment recovery, deductibles recovery, surety bond premiums, wrongful payments of death benefits recovery.


David Trout

Senior Vice President Insurance Programs

David Trout has specialized in premiums/claims debt management/recovery for 31 years. Throughout Mr. Trout's career, he has been entrusted to protect the financial interests and reputation of domestic and international carriers, agent/brokers, MGA/MGU's, Program Administrators, State Funds, Premium Finance, TPA's and Guaranty Associations. Mr. Trout spent 15 years as the CEO of Trout & Associates, during which he invented the original "FaxDemand", "eDemand", "DEBText Message" collection technology. Mr. Trout was the only executive ever recognized for Advanced Debtor Communication technology by CFO, ComputerLife, Credit & Collection Risk, BizAZ & Inc. Magazines. Additionally, Mr. Trout originated ground breaking audit abuse reduction initiative referred to as "Comp Hopping", which has been featured in Business Insurance Magazine & WorkCompCentral. He has been appointed to assist scores of Departments of Insurance in the liquidation, rehabilitation and run-off of 26 estates/portfolios to date. Mr. Trout is a member of the Professional Liability Underwriting Society (PLUS) and the International Association of Insurance Receivers (IAIR).

Specialties: Workers' Compensation, Gen'l Liability, Professional Liability, Reinsurance, Captives, Premiums, Agent Debits & Claims Mediation, Subrogation. Insurance Debt Revenue Management Systems, Auditing & Consulting & Onsight training/workshops. Highly experienced in run-off, rehabilitation and liquidations. Invented advanced debtor communication technologies, i.e. original "FaxDemand", "eDemand" & "DEBText Message".


John Whyte

Vice President of Business Development

John's experience as a sales executive in the accounts receivable management industry exceeds thirty years. His primary focus is providing successful solutions for clients in the commercial collection, risk assessment, debt acquisition and compliance sectors. His resume includes roles as a sales and sales management professional working with both small companies and Fortune 1000's. Results oriented with strong people skills complemented by a diverse working knowledge in all aspects of the industry. Committed to providing optimal solutions for clients in the commercial business to business environment.

Specialties - B2B Debt Collection Agency, Commercial Collections, Law Office Collections, Debt Portfolio Review, Debt Purchase, Portfolio Liquidation, Accounts Receivable Consulting, A/R Analysis, Outsourcing, Risk Analysis, International Debt Recovery, Credit Risk Assessment Sales.


Paul Haack

Regional Account Manager, Business Development

Paul’s experience as an accounts receivable management consultant exceeds 13 years in which he has been assisting companies in improving their cash flow by decreasing their DSO. His knowledge and understanding of the industry allows him to analyze and identify his clients’ needs in order create a customized solution. His attention to detail and innovative ideas make him a valuable resource for all who utilize his expertise.

Specialties - B2B Debt Collection Agency, Commercial Collections, Debt Portfolio, Debt Purchase, Portfolio Liquidation, Accounts Receivable Consulting, A/R Analysis.