Topic archive
Research and practical notes filed under this topic.
January 19, 2025
Buying distressed receivables can create a claim to future payments, but it is an operating-intensive business rather than a passive yield product. This guide explains how portfolio diligence, documentation, consumer protections, and jurisdiction-specific compliance shape the risks.
Read the analysisJanuary 18, 2025
RMAI's Certified Receivables Business designation is an industry certification for debt buying companies, not a government license or a determination that every collection activity complies with the law. This guide explains what the current program evaluates, the published certification steps, and why federal and state obligations still require separate analysis.
Read the analysisJanuary 18, 2025
A municipal utility can consider selling or assigning delinquent water receivables, but the decision requires more than a cash-flow calculation. This guide explains the distinction between sale and collection placement, the conditional scope of federal debt-collection rules, and the local legal, consumer-protection, and contract controls that should be resolved before approval.
Read the analysisDecember 15, 2024
Secondary-market debt-portfolio transactions work best when ownership, servicing authority, records, and data controls are documented separately and consistently. This neutral overview explains the usual parties, diligence steps, document set, post-close controls, and federal reference points while noting the state- and fact-specific limits of general guidance.
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