by Aaron Mueller | Jun 23, 2026 | Debt Collection
Late-stage recovery is usually where the cost shows up. But the chance to prevent that cost comes much earlier, when a customer is newly past due and still within reach of a simple resolution. That is the role of early out collections. Federal Reserve Q1 2026 data...
by Aaron Mueller | Jun 23, 2026 | Healthcare Collections
Patient-pay balances now carry more weight in healthcare revenue recovery. As deductibles rise, providers need clearer ways to help people understand and resolve what they owe. The pressure is building fast. The KFF 2025 Employer Health Benefits Survey found that the...
by Aaron Mueller | Jun 23, 2026 | Debt Collections
Digital collections are built for the channels consumers already use: mobile, email, SMS, payment links, and self-service portals. According to the Pew Research Center’s 2025 Mobile Fact Sheet, 91% of U.S. adults own a smartphone. For high-volume recovery teams,...
by Aaron Mueller | Jun 23, 2026 | Debt Collection
Auto loan collections is harder than it was five years ago. Not because the economy is worse. Because the loans are. The 60-day-plus delinquency rate on subprime auto loans hit 6.9% in January 2026, the highest on record since the early 1990s, per Fitch Ratings. The...
by Aaron Mueller | Jun 19, 2026 | Debt Collection
Early delinquency is the point where businesses still have options. The account is overdue, but the customer may still respond, pay, ask a billing question, or agree to a payment plan. But that window closes quickly. The New York Fed’s Q3 2025 report found that 4.5%...
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