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Learn more about how leading minds in receivables use cutting-edge technology and services to power up their operations, right here. Our library of content includes blog articles, ebooks, webinar replays, presentations, customer success stories and more.

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A Compliant Text Message Service Begins with the Consent – And Ends with Big Results

A text message service (otherwise known as “SMS,” or “short message service”) is the functional and legal equivalent of a voice call placed to a mobile phone. As such, a text message is regulated by the Telephone Consumer Protection Act (TCPA) and triggers all the...

Start Mastering the Text Message and Make Next Year Your Best Yet

Text messaging, like any other consumer communications technology, comes with its compliance challenges – especially for the third-party debt collector. Character limitations; consent, revocation, opt in and opt out requirements; along with the requirements of the...

AI in Receivables: Understanding the Background, Data, Computing Power and Application

At the ACA Annual Convention & Expo in Nashville this year, attendees and presenters were frequently heard discussing how artificial intelligence (AI) would apply to the ARM industry. Even though AI concepts have been around since just after World War II, the...

The True Focus at ACA 2018: Our Community

  The ACA International Conference & Expo each year brings the brightest minds in ARM to the same place, at the same time, for what often seems like a familiar song and dance: We catch up with old friends, meet new ones, and talk about our business – What’s going...

Collecting Interest on Charged-Off Debt? Time to Take a Closer Look

  Believe it or not, many creditors will not collect interest on a charged-off debt even if they have the right to do so – The compliance mandates are simply that muddy. Where do we go for guidance to decide whether interest may be charged in a situation where the...

Move Beyond the Electronic Payment – How Well Do You Know E-Sign?

  As consumers continue to move away from paper and spend more time sending documents and payments electronically, ARM companies need to step up, and keep compliant with the regulations that protect convenience. We’ve covered electronic payments at length – But what...

Have You Thought About How the GDPR Might Affect You?

  Most reading this blog will have at least heard of the General Data Protection Regulation (GDPR), the European Union’s (EU) solution to securing and protecting consumer data. This privacy law, many years in the making, took effect on May 25 of 2018 and brings with...

Improve Your Data’s Accuracy, Reduce Consumer Credit Reporting Disputes with these 5 Steps

  If all you hear from your ops folks is that Fair Credit Reporting Act (FCRA) disputes are killing your bottom line, peel back the onion. If you furnish data to credit reporting agencies (CRA) about consumers you should expect a small percentage of consumers will...

Registration is Open for PowerUp 2018 – Will We See You in Indy?

  Believe it or not, PowerUp 2018 – our annual user conference and education event – is only about four months away. Have you marked your calendar yet? Each year, PowerUp gives us the chance to enjoy an exciting line-up of featured speakers, honor our customers and...

Bargained-For Consent Might Mitigate Your Risk When Contacting Consumers

  If you have not memorized Reyes, Jr. v. Lincoln Automotive Financial Services by chapter and verse, you have some homework to do. In Reyes, the Court applied a theory of common law called “bargained-for exchange of consideration” to its interpretation of an auto...

ACA v. FCC is Bearing Out – Know These 2 Options to Mitigate Risk

The long-awaited decision in ACA v. FCC is a huge win for the industry but not a huge win for you – not yet. The decision has a number of implications, including:   Vacating the Federal Communications Commission’s (FCC) one free call rule Directing the FCC to define...

Efficient, Compelling Communication With Baby Boomers is All About Choice

  Professional communication, especially about sensitive financial matters, requires planning, positioning, and analysis. Those best at building positive relationships understand how both they and the person with whom they’re speaking process information. Credibility,...