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Blogs

Ideas, research and field notes on collections, servicing and the AI that runs them.

What personal AI assistants mean for lenders and debt collectors
Collections
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November 6, 2026

What personal AI assistants mean for lenders and debt collectors

Personal AI assistants now haggle over bills, dispute charges and switch providers for consumers. The data, the bank responses and the questions lenders, servicers and collectors still have to settle.
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What the agent isn't allowed to do
Collections
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August 24, 2026

What the agent isn't allowed to do

Why a collections voice agent stays flexible in conversation while the compliance-critical decisions are enforced by the architecture underneath.
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How to deploy AI agents in auto loan collections
Auto finance
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June 10, 2026

How to deploy AI agents in auto loan collections

Most AI auto loan collections pilots perform well on early-stage accounts, but struggle when the same deployment hits 60 to 90 day subprime at scale. Here's how to structure it right.
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Why subprime auto collections strategy needs to change in 2026
Auto finance
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June 10, 2026

Why subprime auto collections strategy needs to change in 2026

Subprime borrowers hold 17% of active auto loan accounts but drive nearly two thirds of all delinquencies. That's why subprime auto collections strategy needs to be built differently.
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How AI handles subprime auto loan delinquencies at scale
Auto finance
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June 9, 2026

How AI handles subprime auto loan delinquencies at scale

Subprime auto loan delinquencies require precise financial math on every call. Here is how the right AI handles it and what to look for before you deploy.
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Which AI investments are actually paying off for auto lenders?
Auto finance
|
June 9, 2026

Which AI investments are actually paying off for auto lenders?

A stage-by-stage breakdown of every customer conversation across the auto loan lifecycle, scored against five criteria and pressure-tested by the people who run these operations.
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Your agents are talking to bots. They just don't know it yet.
All
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May 18, 2026

Your agents are talking to bots. They just don't know it yet.

AI agents are calling your collections agents on behalf of borrowers. We found thousands of these calls. Here's what they sound like and how we caught them.
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Collection strategy for tax filing deadline with AI-powered scoring, timing, and settlement
Collections
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April 9, 2026

Collection strategy for tax filing deadline with AI-powered scoring, timing, and settlement

AI-powered refund scoring, campaign timing, and settlement strategies that help collection agencies maximize recovery before the tax filing deadline hits.
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Three debt recovery strategy to reduce collection cost for agencies
Collections
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April 2, 2026

Three debt recovery strategy to reduce collection cost for agencies

Most collection agencies are leaving a significant portion of their portfolio unworked. Here is how the industry is responding and which debt recovery strategy closes the gap.
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The true cost of debt collection and why small balance accounts never get worked
Collections
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March 23, 2026

The true cost of debt collection and why small balance accounts never get worked

The cost of debt collection makes most small balance accounts unprofitable to work. Here is what that means for your portfolio and how to fix it.
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Three strategies for law firms to win more collection placements
Collections
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March 9, 2026

Three strategies for law firms to win more collection placements

Early liquidation rate determines who gets more placements. Three proven strategies for collection law firms to improve performance, lower cost-to-collect, and win more volume from clients
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Your collection agency is working your best accounts. Who is working the rest?
Collections
|
February 27, 2026

Your collection agency is working your best accounts. Who is working the rest?

Debt buyers place full portfolios with agencies but only a fraction gets worked. Here's what that coverage gap costs, and how to close it.
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Tax refund status 2026: Time your collection strategy when refunds arrive
Collections
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February 13, 2026

Tax refund status 2026: Time your collection strategy when refunds arrive

Tax refund status reveals when money hits the accounts. Use the refund calendar to boost collection rates by timing.
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Why most AI agents fail in production? The compounding error problem
All
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February 12, 2026

Why most AI agents fail in production? The compounding error problem

AI agents don’t fail because of models, they fail because of reliability math. Understand the compounding error problem and how to fix it in production.
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Tax deduction list for 2026: Every deduction and credit you need to know
All
|
January 21, 2026

Tax deduction list for 2026: Every deduction and credit you need to know

2026 tax deduction list reveals who's getting big refunds: EITC qualifiers, tip workers, overtime earners. Score your portfolio for higher recovery rates.
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The hard things about A/B testing AI agents
All
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January 15, 2026

The hard things about A/B testing AI agents

Why classic A/B testing fails for Voice AI? Learn how to test LLM-based agents with account-level design, Bayesian methods, and real-world rigor.
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Tax season 2026: What changed, who's getting bigger refunds, and why it matters
Collections
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January 9, 2026

Tax season 2026: What changed, who's getting bigger refunds, and why it matters

Major tax law changes in 2026 mean bigger refunds for some borrowers and new pressures for others. Discover who to target for 20-40% higher recovery.
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What is Voluntary Repossession and how does it work? A complete guide
Auto finance
|
January 5, 2026

What is Voluntary Repossession and how does it work? A complete guide

Learn what voluntary repossession is, how it works, and best practices for collection agencies to handle auto deficiency balances effectively.
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The AI implementation strategy for collections in 2026
Collections
|
December 17, 2025

The AI implementation strategy for collections in 2026

Build your AI implementation strategy for collections. Learn where to start implementation of AI agents, assess readiness, and prepare for success.
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What is debt collection letter? What to include and how to make it work?
Collections
|
December 12, 2025

What is debt collection letter? What to include and how to make it work?

Essential guide to debt collection letter: what to include for compliance, how to structure sequences, and strategies that drive higher payment rates.
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What are AI agents? How do they work in loan servicing and collections?
All
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December 9, 2025

What are AI agents? How do they work in loan servicing and collections?

Discover what AI agents are, how they differ from automation, and how to evaluate them for collections with technical tests and RFP frameworks.
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What is containment rate? Definition, benchmarks, and best practices for collections
Collections
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December 8, 2025

What is containment rate? Definition, benchmarks, and best practices for collections

Containment rate directly impacts cost-to-collect. Collections teams optimizing self-service automation cut costs 10-30% while improving recovery.
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What is Public Service Loan Forgiveness? A complete guide for loan servicers
Collections
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December 4, 2025

What is Public Service Loan Forgiveness? A complete guide for loan servicers

Learn how Public Service Loan Forgiveness works, why 94% of applications are denied, and how servicers can improve outcomes.
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How AI agents fit into solar loan servicing
Lending
|
December 1, 2025

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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