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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...

Government Offices Have Options Your Partners Often Don’t – Take Advantage for Optimized Collections

  Revenue offices in local, state and federal departments often make the mistake of passing their delinquent accounts over to third-party collection services too early, and too often. The reason why is a common one: Agencies are experts in their ability to reach...

Start With the Basics, and Make it Easy for Government Debtors to Pay

  It might seem obvious, but the easiest part of the collections process for a debtor should be paying their bill – But it isn’t always. People prefer different means of payment: Older generations still prefer sending checks in the mail, while Millennials tend to...

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...

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...

Set Payment Expectation Efficiently and Effectively with These 3 Tactics in Your Government Office

  A few weeks ago, my colleague Brett Sivits spent some time talking about how professional communication, especially about sensitive financial matters, requires more than just a quick letter. The way your agents approach constituents requires careful planning,...

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...

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...

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...

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...