Breaking News

QR Code on Envelope Violates FDCPA, Third Circuit Finds

Max Mitchell for

Unencrypted “quick response,” or QR, codes printed on the outside of envelopes that link to a debtor’s information violate the Fair Debt Collection Practices Act, a federal appeals court has ruled, applying five-year-old case law to an open question. A unanimous three-judge panel of the U.S. Court of Appeals for the Third Circuit...


The Bottom Line

July/August 2019

Game Changers From Collection Tech Leaders

Receivables Advisor

Mastery of one’s tools is a vital step toward virtuosity. The following accounts receivable professionals have been selected by their peers as those who push the frontier in collection technology and set precedents as to what is possible for an accounts receivable entity. These Top Technology Leaders in Accounts Receivable...


Collection Software Roundtables

Shielding Collectors From TCPA and FDCPA Violations

Joshua Fluegel

The demands of regulators lead collection professionals to collect debt with the credo of “as little contact with the consumer as possible.” Every eliminated encounter with a consumer while the payment is still being collected is one less chance for a TCPA or FDCPA violation. For this reason many accounts...


Feature Stories

Legal Collection Advisor

More Powerful Than Money: How to Really Motivate Employees

Michael L. Starzec

One of the most enduring scenes in Francis Ford Coppola’s “Patton,” is Patton’s speech whose purpose is clear: to motivate men to fight. The speech is really a collection of Patton’s most colorful quotes, woven together as an exhortation to perform well. For myself, I’ve never liked the rah-rah speech...


Collection Industry Advisor

3 Options to Offer During Tax Season

Nick Jarman

When it comes to collecting debt, tax season is without argument the most profitable season of the year. Tax season starts at the beginning of February and wraps up in early May. February generally sees the highest return and slightly tapers off each month thereafter. One issue that can ease...


Compliance Advisor

CFPB Report Reveals Telling Statistics

Debra J. Ciskey

The CFPB issued its Semi-Annual Report of the Bureau of Consumer Financial Protection (Report) on February 12, 2019. This 42-page report provides a comprehensive summary of the Bureau’s activities between April 1, 2018 and September 30, 2018, including rulemaking completed, plans for upcoming rules, complaint analysis, summaries of enforcement actions...