Debt Portfolio Due Diligence Before a Purchase
A debt-portfolio bid should be based on account-level data, transferable documentation, realistic recovery and cost assumptions, and a clear v…
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Subject
The Sauce
Managing Low-Balance Credit Card Accounts With a Segmented Collection Framework
Low-balance credit card accounts can be managed more responsibly when they are segmented by documentation quality, consumer status, channel pe…
Auto Deficiency Balances After Repossession
After a vehicle is repossessed and sold, an auto deficiency balance may remain. This guide explains how to reconcile that balance, communicate…
Outsourcing Unsecured Installment Portfolios: A Practical Framework
Outsourcing an unsecured installment portfolio works best when the account owner uses documented controls for data, authority, consumer commun…
Subject
BOS
Chain of Title in Debt Sales: Records, Rights, and Limits
A chain of title documents how a debt account moves from an original creditor through later purchasers. This guide explains the records that c…
Debt Portfolio Purchase and Sale Agreements Explained
A debt portfolio purchase and sale agreement (PSA) records the business terms for transferring a defined group of accounts, including what is…
Subject
cashflow
Annuity vs. Perpetuity in Cash Flow Valuation
Annuities and perpetuities are shortcuts for converting future cash flows into a present value, but they rely on different assumptions about t…
Accounts Receivable Management and Cash Flow
Accounts receivable management is the discipline of turning legitimate credit sales into timely, accurately applied cash while preserving clea…
Subject
Insurance
Surety Bonds and E&O Insurance for Collection Agencies
Surety bonds and errors and omissions (E&O) insurance serve different functions for a collection agency. A bond may be required by a state and…
Insurance Collections and Subrogation: A Practical Guide
Insurance receivables can involve unpaid premium balances, other amounts due under a policy, and recoveries pursued after a covered loss. This…
Subject
More receivables research
Time-Barred Debt vs. Aged Receivables: What Changes Legally
An aged receivable is not automatically time-barred, and a time-barred debt is not defined by a portfolio’s resale history. This guide separat…
How to Evaluate and Sell a Judgment Portfolio
Selling a judgment portfolio means transferring an interest in court-awarded payment rights, with the price shaped by documentation, enforceab…
Subject
RTO
Managing Rent-to-Own Tire and Wheel Accounts After Default
Rent-to-own tire and wheel accounts require a separate assessment of the payment obligation, any collateral rights, and the practical cost of…
How to Structure a Rent-to-Own Receivables Portfolio Sale
A rent-to-own receivables sale can provide immediate liquidity, but its value and risk depend on account quality, contract terms, transaction…
Subject
280E tax code
Managing Accounts Receivable in the Cannabis Industry
Cannabis accounts receivable requires disciplined credit, payment, and cash-control processes because access to financial services can vary an…
Subject
Agent Soft Skills
Debt Collection Call Training: Empathy, Clarity, and Compliance
Effective debt-collection calls can acknowledge a person's circumstances without abandoning accuracy, follow-through, or consumer protections.…
Subject
agreement law
Debt Negotiation Psychology: A Compliant Collection Approach
Debt negotiation works best as a clear, respectful process for reaching a documented resolution, not as a contest of wills. This article expla…
Subject
BHPH contract
Buy Here Pay Here Portfolios: Contracts, Compliance, and Transfers
Buy Here Pay Here auto dealers sell the vehicle and extend the credit, so the retail-installment contract and servicing record are central to…