This web page section was designed to make life easier for credit granting professionals. “Fill in the blank by hand” forms were constructed in Microsoft Word, which allows a Microsoft user to download or modify the forms to suit their specific needs.

The Tools portion of this web page provides explanations of issues that arise within credit departments on a day-to-day basis. An in-depth explanation is provided enabling credit department personnel to make informed decisions and recommendations to upper management.

(A “window” is dedicated to each Form and Tool. After utilizing a specific Form or after reviewing a particular Tool, click your browser “back” icon to return to this web page.)

FORMS  (Adobe PDF files, Word Document at right ".doc")
        UCC-1 FINANCING STATEMENT & INSTRUCTIONS (.doc)
        UCC-11 INFORMATION REQUEST & INSTRUCTIONS (.doc)
        AFFIDAVIT OF ACCOUNT DUE (.doc)
        CALIFORNIA DECLARATION - California Affidavit of Account Due (.doc)
        MARYLAND APPLICATION AND AFFIDAVIT IN SUPPORT OF JUDGMENT
                - Maryland Affidavit of Account Due (.doc)
        TEXAS BUSINESS RECORDS AFFIDAVIT - Texas Affidavit of Account Due (.doc)
        INSTRUCTIONS FOR BANKRUPTCY PROOF OF CLAIM FORM (.doc)
        BANKRUPTCY PROOF OF CLAIM FORM (.doc)
        PROMISSORY NOTE (.doc)
        BANKING RELATIONSHIP INQUIRY FORM (.doc)
        CREDIT HISTORY EXPERIENCE INQUIRY FORM (.doc)
        CREDIT ACCOUNT APPLICATION – with GOB provisions (.doc)
        BUYER & CREDIT ACCOUNT APPLICATION – With a Personal Guaranty (.doc)
        NEW ACCOUNT APPLICATION – With Guaranty in force for first three
                years in business (.doc)
        FINANCIAL STATEMENT AS PAGE 2 OF A CREDIT APPLICATION (.doc)
        CREDIT APPLICATION & BALANCE SHEET – With optional guaranty (.doc)
        PROVISIONS TO CONSIDER IN A CREDIT APPLICATION (.doc)
        INDIVIDUAL CONTINUING PERSONAL GUARANTY (.doc)
        JOINT CONTINUING PERSONAL GUARANTY (.doc)
        WWI RECOMMENDED PROCEDURE FOR FINALIZING A PURCHASE
                MONEY SECURITY INTEREST (PMSI) (.doc)

TOOLS
        DEBTOR COMPLAINTS ABOUT THE AGENCY
        PURCHASE MONEY SECURITY INTEREST
        HOW TO BECOME A SECURED CREDITOR
        HOW TO BECOME A SECURED CREDITOR INCONSPICUOUSLY
        RESTRICTED ENDORSEMENTS & SAFE HARBOR
        ASSIGNMENT FOR THE BENEFIT OF CREDITORS
        CHAPTER 7, 11 AND 13 BANKRUPTCY EXPLANATION & TERMINOLOGY
        DEFENSES TO BANKRUPTCY PREFERENCE CLAIMS
        RECLAMATION – A Seller’s Right to Reclaim Goods
        JOINT SPOUSAL GUARANTIES & THE EQUAL CREDIT OPPORTUNITY ACT
        CREDITOR/AGENCY NORTH CAROLINA STATUTORY REQUIREMENTS
        NORTH CAROLINA STATUTORY REQUIREMENTS
        CREDIT GRANTORS STATUTORY REQUIREMENTS UNDER THE EQUAL
                CREDIT OPPORTUNITY ACT (ECOA)
        ASSET/LIABILITY RATIO WHEN EVALUATING CREDIT WORTHINESS
        TEXAS USURY LAWS & TEXAS PLACEMENT ADVISORY
        SHIPPING TERMS – SHIPPER/BUYER RESPONSIBILITIES
        FOB TERMS AND RESPONSIBILITIES
        CREDIT DEPARTMENT COSTS AND FACTORING EXPENSE COMPARISONS
        WHAT IS THE MOST IMPORTANT TRAIT OF A COMMERCIAL
                COLLECTION AGENCY
        PIERCING THE CORPORATE VEIL – WHAT DOES IT TAKE?
        SUCCESSOR LIABILITY and fraudulent asset transfers
        FOREIGN JUDGMENT ENFORCEMENT
        FRAUD - What Constitutes Business Fraud and Successor Liability

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