RESEARCH ARCHIVE

Analysis for receivables decisions (Page 8)

Browse practical perspectives on portfolio acquisition, collections operations, market data, and regulation.

Corporate Debt Restructuring: Options, Process, and Risks

Corporate debt restructuring is the process of changing debt obligations so that a business has a more workable path to meeting them. It can be negotiated privately with lenders or addressed through a court-supervised Chapter 11 case, but the right approach depends on the company’s cash flow, collateral, contracts, tax position, and creditor mix. This overview explains common restructuring tools, the information creditors will expect, and the legal and tax issues that require professional review.

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December 9, 2025

Debt Collection: Notices, Disputes, and Court Deadlines

Debt collection can involve an original creditor, a collection agency, or a company that bought the account. This guide explains the federal baseline for consumer debt collection, how to review a validation notice, and why state law and court deadlines require careful attention.

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December 9, 2025

RMAI CRB Certification: Requirements, Value, and Limits

RMAI’s Certified Receivables Business designation is a private industry certification that can demonstrate a structured approach to receivables-management standards. This guide explains the current CRB path, the CCO and audit requirements, and why certification does not replace federal, state, licensing, or consumer-rights obligations.

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December 9, 2025

Law Firm Debt Buyers: Portfolio Review and Litigation Controls

Law firms that buy consumer debt need disciplined portfolio diligence, record controls, and legal review before collection or litigation. This guide explains the operating questions, federal consumer-protection guardrails, and state-law limits that shape a responsible debt-buyer model. It is educational information, not legal advice for a particular account or case.

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December 9, 2025

Rent-to-Own Shed Defaults: Recovery, Receivable Sales, and Compliance

A defaulted rent-to-own shed account does not follow one nationwide repossession process. Before recovering a structure or selling a delinquent receivable, an operator should confirm the agreement’s legal classification, the property’s status and location, applicable state law, and the documentation needed to support any collection or reporting activity.

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December 9, 2025

First-Party vs. Third-Party Debt Collection: Key Differences

First-party collection is performed by the original creditor, while third-party collection involves an outside collector or, after a sale, a different owner of the debt. This guide explains the operational distinction, the limited federal scope of the Fair Debt Collection Practices Act, and why state law and account facts matter.

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December 9, 2025

First-Party Collections: Federal Rules and Compliance Limits

An original creditor collecting its own consumer accounts is not automatically a debt collector under the federal Fair Debt Collection Practices Act (FDCPA). This guide distinguishes federal rules for statutory debt collectors from the state-law and operational questions that original creditors should evaluate before running a collection program.

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December 9, 2025

Buying Debt Portfolios: Due Diligence, Terms, and Compliance

Buying a debt portfolio is a transaction that requires more than a discounted price: the buyer must evaluate the seller's authority, account evidence, data quality, projected economics, and collection readiness. This guide outlines a practical acquisition process for institutional portfolios while distinguishing federal requirements from state- and fact-specific issues that need legal review.

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December 9, 2025

What a Charge-Off Means: Accounting, Credit, and Collection

A charge-off is an accounting and credit-classification action a creditor may take when repayment is unlikely; it is not, by itself, a cancellation of the underlying obligation. This guide separates the lender’s loss-recognition process from credit-reporting rules, collection rights, and the state-law questions that require case-specific review.

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December 9, 2025

Debt Collection Call Scripts: A Compliance-First Framework

Debt collection call scripts should guide accurate, respectful conversations and direct agents to pause when a consumer raises a dispute, contact restriction, attorney representation, or other issue requiring review. This framework explains a federal baseline for debt collectors, safer conversation modules, and the limits that require state-specific and counsel-approved controls.

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