Collector – June 2019 - 40

ORIGINSTORY

Growing Into the Industry
How a help wanted ad led Christina Rioux to a lifelong career.

I

t didn't take long for Christina Rioux
to home in on her dream career:
owning a business in the accounts
receivable management industry.
Here's how she got her start in the
industry, in her own words:
"At age 16, I got a job at the hospital near
where I grew up in Lewiston, Maine,
collecting money from patients who
requested a television in their room. I
think it paid $2.75 a day. A lot of my
family members were nurses, making the
environment comfortable for me.
That was my first exposure, in a way, to
working in medical collections.
Later I enrolled in the University of
Southern Maine, where I buried myself in
my writing courses. My ex-husband was in
the Navy and we moved quite a bit, making
it difficult to finish college.
My parents had relocated to Lexington,
Kentucky, for my dad's job while I was in
college. When my husband was called to
Florida for training, I went to Kentucky to
be near my parents. I was just going to stay
for a bit, but I fell in love with the city of
Lexington.
I answered an ad in the newspaper for a
clerical position in a check recovery service.
I didn't understand how people could write
a check and not have funds in their account
to cover it. I was very naïve and had to learn
everything from scratch.
But I fell in love with the work and being
able to talk to people and help them.
When family ties took me to North
Carolina, I knew I wanted to find another
job in the industry.
My sister-in-law worked at a re-insurance
company, and they needed someone in their
collections department. It was a completely
different type of collections-commercial
collections-but I found out I was very good

40

at that as well and moved up very quickly in
the business.
We moved to North Carolina for a bit,
but when I came back to Kentucky in 1993,
I tried my hand working at an agency
specializing in medical collections. That's
where I really found my passion. I worked
for Credit Bureau Systems in Lexington for
about 10 years.
Working for them led me to learn that I
could make even more of a positive impact if
I was running my own company.
I wanted to start a company with two
basic principles in mind: be good to your
clients and be good to your employees. We
have built a company focused on ethics,
honesty, integrity and-most of all-a
human touch.
I planned to do it all on my own, but a
mutual friend introduced me to Christopher
Kindrick, who was looking for a business
partner in this industry. He's now the
president and CEO of our company, Credit
Solutions LLC, and I am the vice president of
operations.
Sixteen years later I can't believe how
much we've grown. Today I take every
opportunity to encourage people to try a job
in the ARM industry. I love to watch people
come in for their job interview who are
completely naïve about what we do and how
we do it, and to watch their growth. That is
personally what makes me keep going.
I want this business to do for people what
it did for me. I was very unsure of myself
early on and it's really helped me grow into
the person I always wanted to be. Everything
that's worthwhile is obtained through good
old-fashioned hard work. Celebrate your
small successes along the way and forgive
yourself for errors. Remember to allow
yourself to be a human being."
Reported by Katy Zillmer

ACAINTERNATIONAL.ORG


http://www.ACAINTERNATIONAL.ORG

Collector – June 2019

Table of Contents for the Digital Edition of Collector – June 2019

President’s Page
Industry News
Best Practices
FYI
Collection Tips
Adapting to a New Environment
“Today agencies realize this is an opportunity to help the consumer.”
ACA International’s 2019 Convention & Expo
Close the Revolving Door
Calendar
Honor Roll
Education Spotlight
Ask the Experts: Small Talk
Growing into the Industry
Exploring STIR/SHAKEN
CFPB Releases Proposed Debt Collection Rule
Industry Advancement Program Helps Member Defeat FDCPA Claim in Ninth Circuit
ACA SearchPoint
Ad Index
Membership
Last Word
Collector – June 2019 - Cover1
Collector – June 2019 - Cover2
Collector – June 2019 - 1
Collector – June 2019 - 2
Collector – June 2019 - 3
Collector – June 2019 - Industry News
Collector – June 2019 - President’s Page
Collector – June 2019 - 6
Collector – June 2019 - 7
Collector – June 2019 - 8
Collector – June 2019 - 9
Collector – June 2019 - Best Practices
Collector – June 2019 - 11
Collector – June 2019 - FYI
Collector – June 2019 - 13
Collector – June 2019 - 14
Collector – June 2019 - 15
Collector – June 2019 - Collection Tips
Collector – June 2019 - 17
Collector – June 2019 - Adapting to a New Environment
Collector – June 2019 - 19
Collector – June 2019 - 20
Collector – June 2019 - 21
Collector – June 2019 - Close the Revolving Door
Collector – June 2019 - “Today agencies realize this is an opportunity to help the consumer.”
Collector – June 2019 - ACA International’s 2019 Convention & Expo
Collector – June 2019 - 25
Collector – June 2019 - 26
Collector – June 2019 - 27
Collector – June 2019 - 28
Collector – June 2019 - 29
Collector – June 2019 - 30
Collector – June 2019 - 31
Collector – June 2019 - 32
Collector – June 2019 - 33
Collector – June 2019 - Calendar
Collector – June 2019 - Honor Roll
Collector – June 2019 - Education Spotlight
Collector – June 2019 - 37
Collector – June 2019 - Ask the Experts: Small Talk
Collector – June 2019 - 39
Collector – June 2019 - Growing into the Industry
Collector – June 2019 - 41
Collector – June 2019 - Exploring STIR/SHAKEN
Collector – June 2019 - 43
Collector – June 2019 - CFPB Releases Proposed Debt Collection Rule
Collector – June 2019 - 45
Collector – June 2019 - Industry Advancement Program Helps Member Defeat FDCPA Claim in Ninth Circuit
Collector – June 2019 - 47
Collector – June 2019 - ACA SearchPoint
Collector – June 2019 - Ad Index
Collector – June 2019 - Membership
Collector – June 2019 - 51
Collector – June 2019 - Last Word
Collector – June 2019 - Cover3
Collector – June 2019 - Cover4
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