Topic archive
Research and practical notes filed under this topic.
November 16, 2025
A strong collection operation depends on people who can communicate clearly, follow documented controls, and escalate issues before they become consumer or client problems. This guide explains how to hire, train, coach, and compensate collection staff without treating pressure or aggression as a performance standard.
Read the analysisNovember 13, 2025
A responsible debt collection operation begins with a defined business model, jurisdictional analysis, accurate account onboarding, and controlled consumer communications. This guide outlines practical launch and scaling steps while distinguishing federal rules from state-specific requirements that need qualified review.
Read the analysisJanuary 12, 2025
Surety bonds and errors and omissions (E&O) insurance serve different functions for a collection agency. A bond may be required by a state and can protect people harmed by a covered violation, while E&O coverage is a policy-specific commercial risk-transfer tool; neither replaces a working compliance program.
Read the analysisJune 22, 2020
When economic pressure rises, collection teams do not have to choose between a blanket pause and more aggressive outreach. A measured approach emphasizes accurate account data, clear and authorized payment options, controlled contact, and usable response channels. This article explains the U.S. federal Regulation F baseline for covered debt collectors and the issues that still require jurisdiction-specific review.
Read the analysisApril 5, 2018
Choosing a third-party debt collection agency is a vendor-governance decision, not simply a search for the lowest contingency rate. This guide explains how to define the assignment, verify compliance and data-security controls, compare economics and reporting, and document responsibilities in a workable contract.
Read the analysisApril 4, 2018
Selecting a collection agency calls for more than comparing contingency fees. This guide explains how to verify regulatory footprint, assess complaint and control evidence fairly, define performance measures, and oversee a new placement without overlooking consumer-protection risks.
Read the analysis