Blogs

How AI agents fit into solar loan servicing

Agentic AI solves the top drivers of solar loan delinquency – autopay failures, True-Up shocks, hardship, and installer bankruptcy - while integrating deeply with servicing systems.

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Why BNPL is now the fastest-growing delinquency problem in consumer lending

BNPL delinquency rates jumped to 41% as payment stacking and phantom debt overwhelm traditional collections. See how AI agents solve this.

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U.S. delinquency rates are climbing in 2025 across key consumer credit segments

Despite a strong economy, 2025 delinquencies are rising across key segments. Discover what this means for lenders.

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The Linear Trap in consumer collections: Rethinking capacity, cost, and coverage for 2026

Why collections costs continue rising and how AI-augmented operating models can expand coverage and improve unit economics.

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Government shutdown effects: Rising delinquencies and new pressure on the collections industry

Millions miss paychecks as the U.S. government shuts down, triggering delinquencies and testing lenders’ readiness to adapt with AI.

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Could Apple’s AI call-screening disrupt debt collection across the U.S.?

Apple’s new AI call-screening might silence collectors before they speak. Can lenders adapt their outreach fast enough?

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U.S. car repossessions hit 2.2 million: Here's what lenders should do

With auto repossessions surging past 2.2 million, lenders must act fast. See how data, AI and early-stage strategies can help cut losses and risk.

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Reducing risk in auto finance before delinquencies hit

Rising auto-loan delinquencies are testing lenders. Learn how smarter servicing, early detection and AI can reduce roll rates and contain risk.

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Which is the best AI for debt collections in 2025?

Explore the best AI for debt collections in 2025 with a breakdown of top platforms and how Prodigal leads with full lifecycle intelligence.

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What are the debt collection industry trends for 2026?

Discover the top debt collection industry trends for 2026 including AI agents, digital-first strategies, compliance and cloud adoption.

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Fixing email deliverability for a nationally licensed collection agency

Discover how a nationally licensed collection agency boosted open rates of debt collection emails from 7% to 45% and tripled click rates by fixing deliverability issues.

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Nobody asks Tesla 'How much per horse?' Then why price AI agents per human?

If you wouldn’t price a Tesla by horsepower, don’t price AI agents by the humans they replace.

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AI agents for auto lenders: Battle-tested use cases

AI agents replace the low-value, high-volume conversations across the collections cycle. Here’s where leading auto lenders are using them today, and what they’re getting in return.

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What will the future of CFPB look under the new regime?

The CFPB’s regulatory pullback marks a shift toward industry self-regulation, creating both flexibility and accountability for lenders and debt collectors.

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The CFPB has left the building but the states are knocking

With CFPB stepping back, state regulators are stepping up to usher in a patchwork era of consumer protection, litigation risk and compliance complexity.

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More than 70% consumers abandon payment and never come back

Most consumers abandon payment at the portal. Here’s how to fix the 8 failure points that cause drop-offs.

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Three-year debt buying strategy that will maximize your returns

A strategic guide to which debt types to prioritize, avoid, or watch in collections from 2025-2027.

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The $1.7 trillion reset: Future of student loan collections looks nothing like its past

Student loan collections return after five years, creating a high-stakes moment of opportunity, confusion, and compliance pressure.

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CIOs are the new margin drivers in ARM and AI agents are their team

Learn how CIOs are driving margins in collections by leading AI-native operations and managing AI agents as their team.

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Auto loan crisis is back in 2025: What should lenders do now?

Auto loan delinquencies are surging past Great Recession levels. Learn what’s driving the crisis and how lenders can respond.

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Understanding Purchase Price Multiples (PPM) in debt collections and why they’re not enough anymore

PPM shows potential returns in debt buying, but real profitability goes deeper; find out how to measure what truly matters.

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Estimated vs. Actual Collection Multiples in JCAP by region. What the 2019–2021 vintages reveal

Collection forecasts are only half the story. See what Jefferson Capital’s actuals reveal about strategy, geography and execution.

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What Jefferson Capital’s IPO tells us about the future of debt collections (and why it matters to you)

Jefferson Capital’s IPO signals a tech-driven, compliance-first future for collections. Learn what it means for your strategy.

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One wrong click by your collector could cost you thousands? Here’s how to stop it

Even a single wrong call disposition can lead to lost revenue or lawsuits. Here’s how to catch and fix them before they cost you.

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