The Psychology of Collections


Recorded October 17, 2018

In this Creditors Rights In-Depth Podcast, James Todd introduces us to the world of psychology as it applies to the creditors rights recovery process. James and NCBA Executive Director Mark Dobosz will discuss issues surrounding (1) personality types and their relationship with consumer debtors, (2) what behavioral patterns may arise therefrom when faced with the circumstances of the collections process, as well as (3) some common coping mechanisms and solutions for positive outcomes.

This podcast will look at:

  • A brief overview of the nine enneagram personality types
  • The relationship between these personality types and financial stability - or lack thereof
  • A few common coping / defensive mechanisms associated with these personality types when suddenly thrust into an unfamiliar realm (e.g. the legal world, court hearings, etc.)
  • Recognizing and attaching debtor actions to their respective personality types
  • Short and simple tips on interactions with those types

Listen to the podcast


James J. Todd, Managing Attorney, Litigation, Recovery & Collections

Gerner & Kearns Co., L.P.A.

James J. Todd manages the Litigation, Recovery, & Collections group at the firm Gerner & Kearns Co., L.P.A., where he represents lenders in state and federal court in both consumer and commercial recovery and litigation matters. His experience includes representation of numerous financial, healthcare, and government entities from the earliest stages of the litigation process all the way through appellate matters.

Jim has lectured on FDCPA and creditors’ rights matters for the National Business Institute and Lorman Institute, and authored several articles on the current regulatory and compliance evolutionary impacts on the financial industry.

Jim grew up in Tennessee, where he met his wife Kimberly, a Cincinnati-area native. After college they moved to the Cincinnati area, where he graduated from Chase College of Law in 2012, becoming licensed to practice in Indiana, Ohio, Kentucky, and Michigan, along with several federal and appellate courts. Jim and his wife reside in Northern Kentucky with their two sons, Jack and Sam. When not representing his clients, his focus continuously remains on his family with the personal motto “I am a husband and father first, attorney second.”

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