Browse practical perspectives on portfolio acquisition, collections operations, market data, and regulation.
December 9, 2024
Blockchain can preserve a tamper-evident event history for receivable data and portfolio transfers, but it is not a self-proving chain of title or a substitute for assignment documentation. This article explains useful design controls, electronic-record limits, and consumer-protection considerations for U.S. consumer debt workflows.
Read the analysisNovember 9, 2024
A debt portfolio purchase and sale agreement (PSA) records the business terms for transferring a defined group of accounts, including what is being sold, how closing occurs, and what each party promises. It is important evidence in a transaction, but it is not a substitute for account-level documentation, accurate consumer communications, or state-specific legal review.
Read the analysisDecember 12, 2023
A time-barred debt is an account whose applicable deadline for a collection lawsuit may have expired. This guide explains why the deadline is state- and fact-specific, what federal rules cover, and why a credit-reporting period is not the same as a right to sue.
Read the analysisSeptember 9, 2023
A charge-off is an accounting classification for a seriously delinquent account; it is not, by itself, a release of the borrower’s obligation or a court judgment. This U.S.-focused guide separates lender accounting and debt-sale decisions from credit reporting, collection limits, and cancellation-of-debt tax questions.
Read the analysisAugust 1, 2023
Skip tracing is the process of using available information to try to locate a consumer or update location details when contact information is outdated. In consumer-debt collection, it should be a documented, accuracy-focused process that respects federal limits on communications, consumer-report access, and any applicable state requirements.
Read the analysisFebruary 15, 2023
A receivables portfolio sale transfers a defined group of payment rights to a buyer for a negotiated price, which can provide cash sooner than waiting for future payments. The transaction also requires careful attention to account documentation, contractual risk allocation, consumer protections, data handling, and the state laws that may apply.
Read the analysisFebruary 10, 2023
Collection automation can reduce repetitive administrative work, improve task handoffs, and give staff better account context. The strongest designs treat communication limits, consumer preferences, data quality, exception routing, and audit records as workflow requirements rather than after-the-fact checks. This guide outlines a practical approach for receivables operations, with added care for consumer-debt workflows.
Read the analysisFebruary 5, 2023
Creditors considering delinquent receivables have two different tools: a negotiated sale that exchanges a defined price for a transfer of rights, or a collection-agency placement that generally leaves the creditor with the account. This guide explains how to compare cash flow, control, contractual risk, data readiness, and consumer-debt compliance without assuming either option is universally superior.
Read the analysisFebruary 2, 2023
Debt buying is the purchase of receivables or asserted receivables, but responsible market entry depends on the records, servicing model, and controls behind a bid—not merely the purchase price. This U.S.-focused framework explains how new operators can evaluate consumer or commercial portfolios, design an operating model, and recognize when specialized legal and compliance review is necessary.
Read the analysisJanuary 28, 2023
Consumer debt sales and collection activity require more than a signed purchase agreement. A sound framework identifies the account type, ownership record, collection role, credit-reporting role, and applicable federal and state requirements before contact or reporting begins. This article explains the federal baseline and the operational questions that require jurisdiction-specific review.
Read the analysis