by Aaron Mueller | Jul 3, 2026 | Debt Collection
In the first quarter of 2026, U.S. households were carrying $18.8 trillion in debt, and about 4.8% of those balances were already in some stage of delinquency, according to the New York Fed. For the businesses owed that money, the problem is rarely one bad quarter. It...
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 | 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 12, 2026 | Debt Collection
A missed payment is not always the real problem. The bigger risk is what happens next. When reminders go out late, failed payments go unaddressed, or billing questions remain unresolved, overdue accounts become harder to recover. Customers may still be willing to pay,...
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