Robert H. Obringer is the Senior Vice-President of Compliance and General Counsel of Phillips & Cohen Associates, Ltd., where he has been employed in various capacities since autumn of 2000. Phillips & Cohen Associates Ltd. is a multinational collection agency with headquarters in Wilmington, DE where it employs over 250 managers, collectors and support staff. It also has offices in Canada, The United Kingdom, Australia and Spain. It has expanded its presence to the Republic of Ireland and New Zealand. Mr. Obringer is an adjunct professor at Rosemont College and Gwynedd Mercy University. He is a member of the National Association of Retail Collection Attorneys (NARCA), the National Bankruptcy Institute, the American Society of International Lawyers and the American Collectors Association (ACA International). Mr. Obringer is a member of the Pennsylvania and Delaware State bar associations. Mr. Obringer has been active in ACA International, the premier trade group for the collection industry, where he has received the designations of scholar and fellow in addition to being certified as a Credit and Collections Compliance Officer. He has lectured to the Delaware and Pennsylvania Bar Associations in CLE certified programs. He has also been a panelist and presenter at business and trade groups with regard to debt collection, bankruptcy and commercial matters.