Browse practical perspectives on portfolio acquisition, collections operations, market data, and regulation.
January 28, 2023
Behavioral economics can make debt-collection communications and digital self-service easier to understand without pressuring consumers. This guide explains choice architecture, transparent portals, and the federal communication and validation guardrails that must come before operational experimentation.
Read the analysisJanuary 28, 2023
Receivables market intelligence in 2026 is most useful when it connects macro indicators, portfolio-level data, funding assumptions, and compliance controls rather than treating any one signal as a price forecast. This guide outlines five operating vectors for evaluating consumer receivables portfolios while keeping federal debt-collection requirements and state-law variation in view.
Read the analysisJanuary 22, 2023
Outsourced debt buying can offer a way to pursue collections on distressed receivables without building an internal collection operation, but it is not a passive investment. This guide explains the model, the diligence required before acquisition, and the federal and state compliance considerations that require active oversight of any collection partner.
Read the analysisAugust 31, 2021
Reputation management in debt collection should begin with accurate information, respectful complaint handling, and a documented way to identify and correct operational problems. Public responses should protect consumer privacy and receive compliance review when they could be connected to collection activity, rather than being treated as routine marketing copy.
Read the analysisAugust 30, 2021
Selling a portfolio of receivables can provide a known amount of cash at closing, while placing accounts with a collection agency usually preserves the creditor’s ownership and ties proceeds to future recoveries. The better choice depends on the seller’s liquidity needs, expected net recovery, documentation quality, data controls, and the laws that apply to the accounts and parties involved.
Read the analysisJune 8, 2021
Starting a debt collection agency requires more than a business plan: the operating model, licensing analysis, account controls, and consumer-communication procedures must be designed before the first placement. This guide explains a practical, compliance-first launch sequence and the questions that require state-specific legal review.
Read the analysisJanuary 5, 2021
Omnichannel collections coordinates permitted phone, email, text, mail, and self-service interactions from a single account record. A sound program uses that shared record to honor communication restrictions, maintain accurate history, and apply controls before a contact is sent rather than simply increasing outreach volume.
Read the analysisDecember 29, 2020
A corrective action plan helps a collection agency respond to operational, client-service, data, or compliance concerns with a defined owner, evidence, deadline, and validation step. The plan should protect consumers and client funds first, then address the process, staffing, technology, or vendor weakness that created the issue.
Read the analysisSeptember 15, 2020
Debt buying is the purchase of receivables from an original creditor or another buyer, followed by internal servicing, third-party collection, resale, or a combination of those approaches. This overview explains the roles, transfer process, federal consumer-protection framework, and limits of a historic FTC study without treating it as a current market estimate.
Read the analysisJuly 19, 2020
A state compensation benchmark for bill and account collectors should compare a consistent job scope, published wage estimates, total employment cost, and verified operating outcomes. Bureau of Labor Statistics data are a useful starting point, but they are survey estimates rather than a pay-plan recommendation and must be paired with jurisdiction-specific compliance review.
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