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%...
by Aaron Mueller | Jun 18, 2026 | First Party Collection
First-party collections are when the original creditor recovers unpaid debt under its own name. The work is handled by an internal team or by an outsourced partner that operates under the brand. It runs early in delinquency (typically days 1 to 120), protects the...
by Aaron Mueller | Jun 18, 2026 | Accounts Receivable Management
Every AR team knows the pattern. Missed payments start small, then follow-ups get delayed, disputes pile up, and aging balances begin to pressure cash flow. The Federal Reserve’s 2025 report found that 51% of U.S. small businesses cited uneven cash flow as a...
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