Menu Close

About Us

Brown & Joseph has been transforming the collection industry since 1996.

We have earned a winning reputation within the accounts receivable industry by routinely exceeding our clients’ expectations and staying true to our mission of continuous improvement.

As a simple, no-risk test to prove our top performance ability, many companies will compile all of their unpaid and uncollected accounts that their current collection agencies did not recover and have Brown & Joseph evaluate the true recovery potential in the 2nd placement portfolio.

Brown & Joseph consistently recovers higher percentages from this uncollected bad debt. Most often our recovery results in 2nd placements will equal and may even exceed the performance results of the original collection agency who handled the files as 1st placements.

Our results objectively demonstrate that we can collect what others cannot. Using business intelligence and analysis combined with our four-phase approach and backed by our audit resolution resources, Brown & Joseph enables our customers to optimize their business capital.

Successful Integration into Client Workflow

Unmatched Client Service & Customer Care

Deep Relationships & Expertise

Extensive Industry & Regulatory Knowledge

Our Mission & Values

Our mission is to deliver and sustain the highest quality, most effective and innovative solutions for accounts receivable management and to provide our employees with meaningful work in a healthy, exciting, productive and idea-inducing environment.

We commit to all employees and clients that we will consistently encourage openness, innovation and growth for all.

Honesty & Integrity

Everyone is responsible for living our professional and personal lives in an ethical manner. We must maintain the highest possible levels of personal and professional honesty and integrity for ourselves and our clients.

Mutual Respect

Diversity and fairness is our company strength. We strive to create an open forum for honesty and equality. People are our most valuable resource. 


Your attitude at the beginning of a task, more than anything else, affects its outcome. Everyone must be part of the solution. Be passionate to win. 


Our clients are our benchmark of what true quality is, leveled by their satisfaction and our ability to consistently exceed their expectations.


Each of us is accountable for accurately communicating our goals in concert with our clients' goals, and collectively we all must do what it takes to be successful.

Productivity & Innovation

We encourage all our employees to improve the process and add value, be innovative by questioning things and testing things to make them better. We strive for process improvement on all levels.

Unrivaled Collection Results

Typically, our debt recovery results for 2nd placements will equal or even exceed the performance results of the original collection agency who handled the files as 1st placements.

These results objectively demonstrate that Brown & Joseph can collect what others cannot.

In addition to providing more working capital and minimizing write-offs, our clients experience noticeable reductions in their own accounting, underwriting, auditing and claims administration expenses.

Using business intelligence and analysis combined with our four-phase approach and backed by our audit resolution resources, Brown & Joseph enables our customers to optimize their business capital.

Our people are our greatest asset.

The best process combined with the best technology isn’t what makes our company great–it is the people we work with and serve who make our company great. 

Our staff consists of experienced premium auditors, insurance debt recovery specialists, LTD & STD case managers, overpayment calculation specialists, insurance debt collection attorneys, seasoned insurance collection veterans and insurance sales and marketing professionals.  

Working together, their years of knowledge and course curriculum develop team members that are trained to deliver the best in class performance results.

Mark Schabel, Chief Operating Officer | Brown & Joseph, LLC

Mark Schabel

Chief Executive Officer

Steve Gayheart, Chief Operating Officer | Brown & Joseph, LLC

Steve Gayheart


Stacy Affatigato, Chief Production Officer | Brown & Joseph, LLC

Stacy Affatigato

Chief Production Officer

Dennis Falletti, Executive Vice President of Insurance Services | Brown & Joseph, LLC

Dennis Falletti

Executive vice president, sales

Raelene Guido, Client Services Supervisor | Brown & Joseph, LLC

Raelene Guido

manager, client services

Ed Hallisy, Corporate Trainer | Brown & Joseph, LLC

Ed Hallisy


Asif Munir, Director of Business Intelligence | Brown & Joseph, LLC

Asif Munir

director, business intelligence

Dave Robbins, Executive Vice President of Sales | Brown & Joseph, LLC

Dave Robbins

executive vice president, sales

Laurie Rogals, Director of Insurance Collections | Brown & Joseph, LLC

Laurie Rogals


Jessica Schneider, Vice President of Finance | Brown & Joseph, LLC

Jessica Schneider

vice president, finance

Misha Storozhuk, Chief Information Officer | Brown & Joseph, LLC

Misha Storozhuk


Laurie Walters, Director of Human Resources | Brown & Joseph, LLC

Laurie Walters



Licensure & Compliance

Brown & Joseph sets the highest standard in licensure, compliance, insurance and bonding that exceed state and federal mandates.


An SSAE 18 audit examines the collection agency’s operating guidelines and activities, controls, policies and personnel. When the collection agency meets the quality, security, confidentiality, compliance and safety requirements, they would receive the American Institute of Certified Public Accountants’ Statement on Standards for Attestation Engagements. Certification is a significant achievement and distinguishes the agency within the collections industry.


We are PCI DSS compliant, meaning that we adhere to a framework of specifications, tools, measurements and support resources to ensure the safeguarding of confidential cardholder information at every level. Compliance with the PCI Data Security Standard is imperative to ensure that debtor payment card data is secure and proves we are committed to the highest identity and security standards to protect our clients.​

Insurance Bonding

Brown & Joseph carries the highest amount of insurance bonding and coverages to protect our business operations, assets, personnel, as well as our clients and their financial interests. Copies of our respective Certificates of Insurance and/or policy declarations pages are readily available upon request.​

Debt Collection Laws & Regulations

Brown & Joseph is compliant with the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), the Health Insurance Portability and Accountability Act (HIPAA) and the Telephone Consumer Protection Act (TCPA).

Quality Control Process

Each of Brown & Joseph’s business disciplines have quantitative and qualitative key performance indicators (KPI) that are monitored daily, weekly, and monthly. This structure is built around recovering premium for our clients, ensuring a favorable customer experience for our customers and policyholders while protecting our client’s brand as an extension of their business process.

Our internal audit organization is continuous cycle for improvement that propels Brown & Joseph’s performance for our customers.

Our Quality Control Supervisor conducts ongoing performance audits of each recovery specialist to ensure compliance with:

  • Laws and Regulations
  • Company Rules & Procedure
  • Financial Requirements

Additionally, the Brown & Joseph I.T. department conducts technological audits on each employee computer with software called Netwrix Auditor to ensure compliance with company policy and U.S. laws and regulations.

Ongoing audits conducted on Brown & Joseph by external government agencies include:

  • SSAE Type II SOC 1


Define performance expectations and regulations.


Measure recovery performance and accounts uncollected.


Analyze contributors and inhibitors to collection performance.


Use predictive analytics to prioritize cases and advise on uncollectible accounts.


Maintain speed of dollars collected and overall recovery performance.

I.T. Security & Safeguards

Information security is a top priority for Brown & Joseph. With advancements in technology and ability to readily exchange information across channels, implementing safeguards and countermeasures to eliminate vulnerabilities is critical.

Our Security Incident Response/Review Team (SIRT) carries out the actions and responsibilities of key members starting with technology to production with each job discipline in between to ensure continuous levels of production for our client and security safeguards of the information are upheld to perform collection services.

Our Compliance Manager and Chief Information Officer work with several companies to ensure security standards are tested and certified. Our Security Program Manual details procedures for security measures: physical, information, computer, logical, data, access, internet usage, back up & recovery and incident response procedures.

Administrative Safeguards

  • Security management process to prevent, detect, contain and remedy security violations
  • Designated security officer develops and administers the data security policy
  • Information security awareness and training is conducted for all appropriate employees
  • Security incident procedures for handling breaches of data security
  • Business continuity plans
  • Business plans are tested and evaluated on a periodic basis

Technical Safeguards

  • Data integrity managed through security access and controls and with critical business data backed up daily (onsite and maintained offsite)
  • Secured network and workstation with individual sign-ons
  • Technical architecture controlled by network and firewalls

Physical Safeguards

  • Access Controls – security software that denies or permits electronic application or data access such as security desk, monitored entrances, door locks/card reader access only, visitor credentials
  • Protective Devices – Surveillance cameras, fire detection system, afterhours motion alerts
  • Flood Management – Water sensor contained in data center
  • Event Monitoring – Access, admin activities, use of privileged accounts, changes to controls, suspicious patterns of activity, attempts to access sensitive files, rejected attempts at accessing resources, etc.

Penetration Testing

Penetration Testing (pentesting) is the process of testing our applications for vulnerabilities. The purpose of a penetration test is to identify any key weaknesses in our systems and applications and to determine how to best allocate resources to improve the security of our organization as a whole. In addition to pentesting being regularly performed by our Chief Technology Officer, further pentesting involves a team of skilled hackers. We purposefully ensure that the hackers do not have access to any source code and ask them to try to gain access to our systems.

Penetration tests are carried out on IP address ranges, individual applications or our company name. All of our I.T. security and safeguard certifications are readily available to qualified inquiries.

Contact Us

Send us a message using the contact form below and we will get back to you within one business day.


One Pierce Place
Suite 700W
Itasca, IL 60143


(847) 758-3000


Anonymous Hotline

(800) 216-0587

First & Last Name (required)

Email (required)


Account Number (located on your collection letter)


error: Content is protected