Program Details
2026-09-14 12:00:00
Over 1,000+ webinars
Course Overview
2026-09-14 12:00:00
2h CLE Credits
Intermediate
2
12:00 pm - 1:00 pm ESTThis session maps the federal administrative collection machinery that activates when a COVID EIDL borrower defaults — from SBA’s internal demand letters through Treasury cross-servicing, the Treasury Offset Program, and administrative wage garnishment. Attorneys will learn the federal government’s statutory authority under the Debt Collection Improvement Act (DCIA) of 1996, the precise stage-by-stage timeline of collection actions, and the due process triggers that create defense opportunities at each step. By the end of this session, practitioners will be able to identify where a client sits in the collection pipeline, recognize procedural failures by SBA and Treasury, and advise clients on the absence of any statute of limitations on federal administrative debt collection.
Elizabeth MilitoRobert Smith 1:10 pm - 2:10 pm ESTThe second session will equip attorneys to assess a defaulted COVID EIDL client’s position based on which collection stage their loan is in — SBA servicing, Treasury offset, administrative wage garnishment, or DOJ referral — and to identify which defenses might be available. Resolution options remain available at each stage. Attendees will learn how to conduct an immediate intake triage, evaluate the personal guarantee threshold, and determine whether bankruptcy (including Subchapter V cramdown), a Treasury hearing, or another narrow option is the right path forward.
Elizabeth MilitoRobert SmithElizabeth (Beth) Milito is the Executive Director of the NFIB Small Business Legal Center, the litigation and legal advocacy arm of the National Federation of Independent Business — the nation’s largest and most influential small business association. For more than two decades, Beth has stood on the front lines of virtually every major legal battle affecting American small business owners, from labor, employment, tax, and regulatory disputes to the unprecedented wave of pandemic-era relief programs and the federal collection actions now following in their wake. When COVID-19 shut down Main Street, Beth helped build and host NFIB’s celebrated COVID-19 weekly webinar series, guiding hundreds of thousands of small business owners in real time through the PPP, ERTC, and EIDL programs — the very loans whose defaults are now driving the federal collection machine into overdrive in 2026. Few attorneys in the country can match her combination of courtroom experience, policy influence, and day-to-day contact with the small business owners living through these collection actions.
Rob Smith is a Senior Attorney with the NFIB Small Business Legal Center, where he has spent years in the trenches of the federal pandemic-relief programs — PPP, ERTC, and the COVID Economic Injury Disaster Loan (EIDL) program — advising small business owners from application through forgiveness, repayment, hardship accommodation, default, and now federal collection. As the SBA and U.S. Treasury escalate collection of the roughly $400 billion COVID EIDL portfolio, Rob has emerged as one of the most practical, borrower-focused legal voices in the country on what actually happens when these loans go into default — and how business owners and their counsel can respond. He brings to this program a working command of the statutes, regulations, and agency practices that make up the federal collection machine, sharpened by daily contact with the small business owners caught inside it.
Elizabeth (Beth) Milito is the Executive Director of the NFIB Small Business Legal Center, the litigation and legal advocacy arm of the National Federation of Independent Business — the nation’s largest and most influential small business association. For more than two decades, Beth has stood on the front lines of virtually every major legal battle affecting American small business owners, from labor, employment, tax, and regulatory disputes to the unprecedented wave of pandemic-era relief programs and the federal collection actions now following in their wake. When COVID-19 shut down Main Street, Beth helped build and host NFIB’s celebrated COVID-19 weekly webinar series, guiding hundreds of thousands of small business owners in real time through the PPP, ERTC, and EIDL programs — the very loans whose defaults are now driving the federal collection machine into overdrive in 2026. Few attorneys in the country can match her combination of courtroom experience, policy influence, and day-to-day contact with the small business owners living through these collection actions.
Rob Smith is a Senior Attorney with the NFIB Small Business Legal Center, where he has spent years in the trenches of the federal pandemic-relief programs — PPP, ERTC, and the COVID Economic Injury Disaster Loan (EIDL) program — advising small business owners from application through forgiveness, repayment, hardship accommodation, default, and now federal collection. As the SBA and U.S. Treasury escalate collection of the roughly $400 billion COVID EIDL portfolio, Rob has emerged as one of the most practical, borrower-focused legal voices in the country on what actually happens when these loans go into default — and how business owners and their counsel can respond. He brings to this program a working command of the statutes, regulations, and agency practices that make up the federal collection machine, sharpened by daily contact with the small business owners caught inside it.
Requirements
The Alabama State Bar MCLE Commission requires attorneys to complete 12 credits, including 1 ethics, by December 31 of each year. All credits must be reported by February 15 of the following year. A maximum of 12 credits, including 1 ethics credit, may be carried over for 1 year only.
Formats
