Browse practical perspectives on portfolio acquisition, collections operations, market data, and regulation.
December 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 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 analysisFebruary 27, 2020
Collection operations can remain useful during a disruption by protecting essential work, using reliable status information, and treating compliance as a release condition rather than an afterthought. This guidance explains how creditors, collection agencies, debt buyers, and counsel can prepare work queues, people, systems, and communications without creating false urgency for consumers.
Read the analysisOctober 31, 2019
An uncollectible account is a receivable a business estimates or determines will not be collected in full. This guide separates financial reporting, federal bad-debt tax treatment, charge-offs, debt transfers, and the consumer protections that may apply when a consumer debt is collected.
Read the analysisMay 2, 2019
A collection contact about a paid account calls for prompt documentation and a clear written response, not a payment made in haste. This guide explains the federal validation, communication, and credit-reporting steps that may apply, along with important limits on those protections.
Read the analysisMay 1, 2019
A debt collection contact calls for careful verification, timely recordkeeping, and a clear understanding of the choices available. This guide explains key U.S. federal protections, validation notices, communication limits, payment discussions, and the importance of responding to court papers.
Read the analysisApril 21, 2019
Buying a debt portfolio is an acquisition and compliance decision, not simply a purchase at a discount. A sound review identifies the account type, transfer records, data quality, operating model, and consumer-protection rules that may apply before any collection activity begins. For consumer accounts, federal rules are only part of the analysis: a buyer’s legal role and the applicable state law can materially change the requirements.
Read the analysisApril 14, 2019
If you are contacted about an unfamiliar or older account, identify the party seeking payment before making a decision. Compare your records, the original creditor's response, any validation notice, and the account information on your credit reports, while keeping state-law and timing issues in view.
Read the analysisApril 6, 2019
A “Scam Likely” or similar call label is generally a carrier or analytics signal, not a legal finding about an agency. This guide explains what caller-ID authentication can do, how agencies can investigate a label responsibly, and why consumer-protection obligations must remain central to any remediation effort.
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