LEADERSHIP LOWDOWN Brad Klein with Paid in Full and Thomas Ferraro Jr with ajile Media Group
Paid In Full began collection operations in 2002 and since that time has grown to become one of the most effective service organizations in the industry. We have found that to be successful, the collector must utilize non-alienating communication techniques to achieve payment, because if the collection process makes an enemy of your consumer, payment is much less likely to be secured.
We contact each account in a spirit of cooperation, not as an adversary. Our goal is to help the consumer to get their bill paid.
Bradley S. Klein graduated from Saguaro High School in Scottsdale, Arizona in 1985 and received his Bachelor of Business Administration degree in Commercial Communications in 1989 from Fort Lewis College located in Durango, Colorado.
After graduating from Fort Lewis, Brad managed the group tour division of Cerkvenik-Anderson Travel. He was responsible for the sales, coordination and implementation of vacations for over 10,000 people each summer from Arizona as well as other states in the Southwest, West and Northwest. Brad went on to form his own automobile brokerage which became Azcar Capital, Inc.
For over twelve years, Brad specialized in acquiring and selling low mileage off-lease vehicles to more than a thousand satisfied customers. Brad transitioned the company from an automobile brokerage to an investment company in 2004.
Brad is currently the President of Paid In Full, Inc., a Phoenix, Arizona collection agency which he and his wife formed in 2002. Brad is charged with managing and overseeing the daily operations of Paid In Full. His duties include the monitoring of collection letters, calls and processes, coordinating legal efforts, client relations, business development, etc.
Through Brad’s efforts and those of his staff of highly talented collection professionals, Paid In Full achieves a successful recovery rate that is nearly three times the industry average. Brad also manages several other companies that specialize in the acquisition, collection and litigation of charged-off consumer credit portfolios.
Brad is a Director of the Arizona Collectors Association, a Delegate of ACA International (formerly American Collectors Association), a member of the Receivables Management Association and he is a member of the Executives’ Association of Greater Phoenix.
ajile Media Group is a laser-focused Digital Marketing Agency run by passionate Internet Marketing Consultants, focused specifically on developing and executing highly-successful digital online strategies for Small-to-Medium sized businesses. They are experts in lead generation, and help their customers scale their companies properly and proportionately based on their needs.
ajile Media Group customizes every solution for their clients based on their unique, individual businesses and specific online marketing goals. They take pride in sincerely listening to their customer’s challenges and tailor solutions to help them meet and exceed their objectives. They take trust and respect very seriously and have a genuine concern for every customer’s investment and helping them achieve maximum ROI.
As true consultants, they are continually striving to add value to their customers by helping to identify areas of opportunity and ways to improve their business as a whole. Whether by tracking other marketing endeavors or assisting with streamlining internal processes, they truly believe in your success, is our success.
Thomas Ferraro is originally a native of New York for 26 years and moved to Arizona nearly 17 years ago to attend art school in Phoenix. The son of an Italian immigrant, he learned how to work hard from a very early age, helping his father in his construction & excavation business.
He was taught from day 1 to be honest in all things, work as hard as possible, and have integrity and do the right thing at ALL costs. He met his lovely wife, a transplant from Minnesota, just after graduation from school and decided to stay in Arizona. Now they have 2 beautiful children and reside in Gilbert.
Working his way through college in the wireless industry, Thomas always had a passion for helping small businesses such as his father’s. After excelling in business development role at GoDaddy and then ReachLocal, he started ajile Media Group. His priority was, and always will be, delivering results-based online marketing solutions specifically for local businesses, that can they can A. afford and that will B. have their best interest at heart.
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The Leadership Lowdown was created to share the REAL story behind valley leaders’ rise to the top, and the truth about what it takes to TRULY succeed in life and business. Hear the raw stories of these leaders’ journeys…the pitfalls, the victories, and all of the heartaches and triumphs in between.
ABOUT YOUR HOST
Jodi Low is an accomplished corporate trainer, inspirational speaker, and the Founder and CEO of U & Improved. Jodi has trained thousands of entrepreneurs and executives on how to build a booming business, master a mindset for success, and achieve the lifestyle they desire through heart-fueled leadership.
Through U & Improved—an award-winning personal and professional leadership development company based in Scottsdale—Jodi has redefined traditional leadership training by creating a sustainable and actionable model that is personal, challenging and meaningful to each and every individual who enrolls in any of the two-and-a-half-day experiential training classes. She and her elite training team have advanced the charge in heart-based leadership
development and empower U & Improved graduates with knowledge, tools and awareness to immediately be more effective and responsive leaders at work, home and within their communities. 
Among her many accomplishments as a Valley leader, Jodi launched a teen leadership program in 2014 to empower young adults to become more confident, motivated and focused stewards of our future. In 2016, she founded a non-profit arm of the company—the U & Improved Leadership Foundation—that makes the program more accessible to deserving teens.
Jodi has been recognized by industry publications and organizations for her work in leadership development and serves as a source of inspiration within the community. In 2015, she was honored as an “Outstanding Women in Business” by the Phoenix Business Journal and by the Phoenix Suns and National Bank of Arizona with the “Amazing Women” award. She has received both the prestigious “Diversity Leader of the Year” and the Scottsdale Chamber of Commerce’s “Sterling Award.” She was also awarded a Silver Stevie Award for Female Entrepreneur of the Year 2015 and was a finalist for the Junior League of Phoenix’s Valley Impact Award. Jodi is a devoted single parent who volunteers her time at her daughters’ school programs and with organizations such as Angel Mamas, where she’s served on the board for three years.
