Browse practical perspectives on portfolio acquisition, collections operations, market data, and regulation.
January 18, 2025
Accounts receivable recovery is shaped by credit conditions, the quality of the payment and dispute process, and the controls around automated decisions. This practical outlook separates commercial-invoice operations from consumer-debt compliance and explains how teams can turn external signals into a measured recovery plan.
Read the analysisJanuary 18, 2025
FDCPA, TCPA, FCRA, and UDAAP govern different parts of consumer-debt operations: collection communications, certain calling and texting practices, credit reporting, and broader consumer-protection conduct. This federal overview explains the scope of each framework, the operational questions to ask, and why state-law and fact-specific legal review still matter.
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
Municipalities may consider selling eligible delinquent receivables to receive a negotiated payment now rather than retain all collection risk. This guide outlines the authority, account-quality, procurement, consumer-protection, and contract questions that should be reviewed before any disposition.
Read the analysisJanuary 18, 2025
Municipalities and parking operators considering a sale of unpaid parking receivables should treat it as a legal, data-governance, and consumer-impact decision—not simply a cash-flow transaction. This guide explains the diligence questions around authority, portfolio records, driver data, and collection rules that should be resolved before a bid or data transfer.
Read the analysisJanuary 18, 2025
Schools considering a sale of unpaid tuition and fee receivables should first determine whether the accounts are transferable and whether student information can be shared lawfully. This guide compares a portfolio sale with agency placement and identifies the privacy, consumer-protection, contract, and public-sector questions that need review before a transaction.
Read the analysisJanuary 18, 2025
A toll operator may be able to sell or place unpaid toll receivables, but the structure must be authorized by the operator's governing law, contracts, and procurement rules. The transfer also requires careful treatment of motor-vehicle-record data, account documentation, and any consumer-protection rules that apply to the collector and account.
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 analysisJanuary 18, 2025
Courts may be able to sell, assign, or outsource collection of unpaid court obligations only when their governing law, court orders, and procurement rules permit it. Because fees, fines, restitution, and civil judgments can follow different rules, each account type needs legal and operational review before any transfer.
Read the analysisJanuary 15, 2025
Debt buyers need a current, activity-based licensing matrix before acquiring or collecting consumer accounts. This guide explains how to assess federal debt-collection scope, state requirements, data controls, purchase-agreement restrictions, and consumer safeguards without treating any one state rule as universal.
Read the analysis