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As published in the Telegraph-Journal June 14, 2012

Tom Creamer, president and chief executive officer of Eastern Credit Management Services, is a straight shooter. He doesn't mince words as he tells me about how he values his family, his community and his business.

I would bet that his candid approach is what makes him successful in the credit management and debt collection business. It has perhaps also served him well as the eldest son of nine siblings.

Tom and his wife and business partner, Nancy, always wanted to be in business for themselves. When Nancy's father approached them in 1982 about buying the collection division of the Credit Bureau of Saint John they were excited by the opportunity. Being pragmatic, they took a year to evaluate the business and determined that the potential was good. They purchased the company in 1983 and never looked back.

I began our conversation by asking Tom about the business environment in his industry over the last three decades.