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Credit Adjustment Board is a locally owned and
operated full service collection agency located
at 306 East Grace Street in the heart of Metropolitan
Richmond. We have continuously operated in the downtown
area since 1957. Throughout these years, our dedicated
staff has returned to the credit grantors of Virginia
millions of dollars in gross collections. Our staff
today is challenged by previous accomplishments
and remains dedicated to the service of our clients.

Credit Adjustment Board is located
in the Heart of Metropolitan Richmond.
We feel we offer a superior collection performance,
but also accurate record keeping and documentation
furnished in a timely fashion.
Credit Adjustment Board currently operates
out of its own 12,000 square foot freestanding building.
We routinely employ a full staff of 25-30 people.
Our yearly average client placements over the last several
years have been over $50,000,000.
Credit Adjustment Board was founded through
honesty, integrity and hard work. Our growth has
mainly been from referrals, a fact we proudly boast.
We have developed, through years of experience,
an effective system that gives us a high recovery
percentage: possibly the highest in collections
in the State of Virginia and the Mid-Atlantic.

President Nicholas A. Roupas
has over 25 years of experience servicing clients'
needs with Credit Adjustment Board.
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Nicholas A. Roupas
804.649.0761 ext 326
| Education: |
- Graduated from Benedictine High
School
- Graduated from James Madison University with a Major in Political Science
and Minors in Psychology, Criminal
Justice and Public Administration
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| Experience: |
- Credit Adjustment Board, Inc.
President - 1986-present
- Credit Adjustment Board, Inc.
Vice-President Collections - 1985
- Credit Adjustment Board, Inc.
Sales Representative - 1984
- Credit Adjustment Board, Inc.
Collector - 1980-1983
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| Professional: |
- Past President - Virginia Collectors
Association
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"We
here at Credit Adjustment Board understand that our clients' reputation
is just as important as their money.
Our job is to protect both."
-Nick Roupas |
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Leland B. Anderson, III
804.649.0761 ext 321
| Education: |
- Graduated from Benedictine High
School
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| Experience: |
- Credit Adjustment Board, Inc.
Sr. Vice President Collections -
1986-present
- Credit Adjustment Board, Inc.
Vice President/Collection Manager
- 1971-1986
- Credit Adjustment Board, Inc.
Collector - 1970-1971
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"Automation
has made our collectors thorough and
efficient. Managing collectors for
maximum potential is a key element
to our high recoveries."
-Leland Anderson |
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Maria R. Humphrey
804.649.0761 ext 332
| Education: |
- Graduated from Marymount High
School
- Graduated from Elon College
- Braxton Secretarial School
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| Experience: |
- Credit Adjustment Board, Inc.
Sr. Vice President - 1998-present
- Credit Adjustment Board, Inc.
Business Office Manager - 1994-1998
- Hirschler, Fleischer, Weinberg,
Cox & Allen - Legal Secretary
- 1984-1994
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"Our
Clients are our number-one priority
and giving them the service and up
to date status on their accounts is
our goal."
-Maria Humphrey |
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Cynthia M. Estes
804.649.0761 ext 318
| Education: |
- Graduated from Meadowbrook High
School
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| Experience: |
- Credit Adjustment Board - Vice
President Collections- 1995-present
- Credit Adjustment Board - Collection
Manager- 1988-1995
- Credit Adjustment Board - Collector
- 1981-1988
- Credit Collection Corporation
- Collector/Manager - 1978-1981
- Credit Bureau of RIchmond - Collector/Supervisor
- 1975-1978
- Richmond Adjustment Bureau Collector
- 1974-1975
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"The
image you project over the telephone
is important to your success ."
-Cindy Estes |
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Paul O’Connor
804.649.0761
| Education: |
- Graduated from Fort Hunt High School
- James Madison University, BS Psychology
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| Experience: |
- Credit Adjustment Board, Inc. Vice President of Sales 2009-Present
- Brighton System, LLC
Sales Manager 2001-2007
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"CAB has set the standard in collections for over 50 years. Maintaining our high criteria equates to potentially record setting recovery rates for our clients."
-Paul O’Connor |
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Cynthia R. Watson
804.649.0761 ext 324
| Education: |
- Graduated from Cumberland High
School
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| Experience: |
- Credit Adjustment Board - Business
Office Manager - 2004-present
- Credit Adjustment Board - Assistant
Bookeeper - 2000-2004
- Credit Adjustment Board - Data
Entry Technician - 1998-2000
- Credit Adjustment Board - Receptionist
- 1996-1998
- Department of Taxation - Data
Entry Technician - 1995-1996
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"Clients
need quality customer service and
reports, right away. We deliver both!"
-Cynthia Watson |
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