Phone: (231) 779-9848
Toll Free: (800) 968-2276

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About CARM

Cadillac Accounts Receivable Management Resources


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CARM Credentials

Cadillac Accounts Receivable Management, Inc. strives to provide the most secure and professional services available. For the security of our clients we are:

  • Licensed Collection Agency by the State of Michigan
  • Staff trained in HIPAA and OSHA
  • Bonded & Insured

aca-logoCARM is also a member in good standing of the following organizations:


Cadillac Accounts Receivable Management Staff

Corporate Officers

Jon is our President and Chief Operating Officer and has been in the collection industry since 1994. In 1999 he took a brief leave from the collection industry and worked as a consultant for an IBM business partner which provided hardware and software solutions to the Health Care Industry.

He has served as our Vice President and COO since 2002. He has developed several innovative and effective collection programs for CARM's clients, with CARM's clients. Under Jon's leadership CARM has been on the leading edge of the technology available. CARM has experienced tremendous growth over the past several years and continues that growth today. Communication and outstanding customer service has been the cornerstone of CARM's success.

Jon and his wife Michelle are partners in the ownership of CARM.  Jon currently is the president of the Michigan Association of Collection Agencies (MACA) and has served on the board since 2004.

Michelle, our Corporate Secretary/Treasurer, has worked in the collections industry for an impressive twenty plus years.  Michelle is our client accounts expert and started working with her father, Ralph Trim (one of CARM’s founding partners) while in college.  Michelle attended Grand Rapids Community College before attending Grand Valley State University.  

CARM Founding Partners

While being retired, our founding partners are still active in our strategic planning and act as advisors to our staff and our clients.

Ralph- our Chief Executive Officer is a Founding Partner in CARM.  He has owned and operated collection agencies within Michigan for over forty years.  Ralph is a former Board Member with the Michigan Association of Collection Agencies.  He also has received two Executive Achievement Awards from the Associated Credit Bureaus, Inc..  Ralph attended both Delta and Adrian Colleges. 

Barry- is a senior managment executive and former president and co-owner of Cadillac Accounts Receivable Management. Barry has an MBA with a specialty in Health Care Administration from the George Washington University and is a Life Fellow in the American College of Health Care Executives. He also is a licensed (inactive) Nursing Home Administrator and a licensed Collection Manager. He has been working in the healthcare administration and healthcare accounts receivable management business for over thirty years.

Five years ago Barry retired - almost - and moved to Florida. He left the five months of sun and good weather of northern Michigan for the twelve of Florida. Barry still keeps tabs on CARM by assisting them with special projects and consultation to clients and staff.

Barry's current full-time interests include his running. He recently completed his first full marathon and volunteers at a National Wildlife Refuge near his home where he is getting "up close and personal" with many of Florida's creatures and critters. He is also a recent graduate of the Palm Beach County Sheriff's Department, Citizen's Police Academy. Barry is also a U.S. Army veteran attaining the rank of Captain. He served in Vietnam, earning the Bronze Star medal.


Key Personnel

Tracy is our Operations Supervisor.  Tracy has over ten years experience in the collections industry and has been a supervisor here at CARM for five years.  Tracy supervises our collectors and is versed in all operational areas of our company and well versed in the laws regulating our industry.  Tracy attended Baker College.




Cadillac Accounts Receivable Management Services

Cadillac Accounts Receivable Management (CARM) specializes in early accounts receivable management and past due accounts. We are prepared to provide comprehensive management features.

  • Don't like making phone calls on past due delinquent accounts? Call CARM to find out how we can do this for you.
  • Optional credit reporting to National Credit Reporting Services.
  • Legal services, utilizing attorneys who are well versed in the Fair Debt Collection Practices Act.
  • Provide workshops to train your staff on point-of-service accounts management techniques.

We are flexible and will tailor our collection services to suit your accounts receivable management needs.

Read more: Cadillac Accounts Receivable Management Services


Is Your Money Locked up in Delinquent Medical Receivables?

Cadillac Accounts Receivable Delinquent MedicalCadillac Accounts Receivable Management is a Michigan collection agency that specializes in collecting accounts receivable for the health care industry. With over 20 years working primarily in the health care industry, C.A.R.M. is the logical choice to assist providers with their collection needs. Our staff consists of ACA-trained collectors well-versed in FDCPA regulations, HIPAA requirements, Red Flag Rules and FACR requirements. Electronic services include:

  • Early out Collection Services & Managed Payment Plan Services
  • Electronic Account Transfer
  • Secure File Transition via the web, encrypted PGP, PKZip encrytped E-Mail or direct FTP to our server
  • Automated Remittance available
  • The ability to view your accounts online securely
  • Manual account submission via our website or directly to our server
  • Utilize world class collection management software and the most advanced telephone calling technology in the collection industry.



About Cadillac Accounts Receivable Management

Cadillac Accounts Receivable Management - Cadillac, MichiganCadillac Accounts Receivable Management, established in 1989, is a Michigan collection agency that specializes in collecting accounts receivable management for healthcare, commercial business, municipalities, state and local governments.

A keen understanding of the needs and processes of accounts receivable management makes Cadillac Accounts Receivable Management the logical choice, with specialists trained to assist businesses with successful accounts receivable management practices. CARM staff members have over 150 years of combined experience in accounts receivable management.

Read more: About Cadillac Accounts Receivable Management


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Contact CARM

P.O. Box 358
Cadillac, Michigan 49601
Phone (231) 779-9848
Toll Free (800) 968-2276

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