Most recent

Understanding credit risk: the four main profiles and why they matter

Discover the 4 key credit risk profiles and how behavioural insights and AI tools are reshaping smarter financial decision-making. In today’s financial landscape, credit risk isn’t just a metric — it’s a mindset. For lenders, creditors, and collections professionals, understanding credit risk is fundamental to protecting cash flow and maintaining long-term business health.

4 min read

5 expert-backed tips for working with multiple collection agencies

How to get the best recoveries performance from working with multiple collections agencies. How do you get the most value out of partnering with collection agencies? With over 30 years of experience in collections leadership spanning organisations such as SoFi, Citi and Upstart, there’s no better person to ask than Justin Parker, Senior Advisor at 2nd Order Solutions.

4 min read

AI debt collection vs. traditional methods: what's different?

While traditional debt collection is increasingly seen as out of touch, a new generation solution is disrupting the landscape — AI-powered debt collection. It puts the power back into customer’s hands, to manage their debt their way. Download as PDF While traditional debt collection is increasingly seen as out of touch, a new generation solution is disrupting the landscape — AI-powered debt collection.

5 min read

The state of financial wellbeing in Australia, the United Kingdom and the United States, and how collections can support

How are your consumers coping financially? See the state of financial wellbeing across key markets, featuring the latest insights and practical actions for supporting stretched customers. How have your customer’s finances changed over the last three years? Since the depths of the pandemic, financial wellbeing has been slowly recovering.

5 min read

Breaking down the six components of CPS230 and how they apply to all organisations

Unsure where to start with operational resilience? Unpack the six fundamentals that every organisation needs to better manage disruption and risk. Complying with CPS230 ‘s updated standards from July 2025 onwards is front of mind for all APRA-regulated financial institutions this year.

4 min read

Key takeaways from Better Debt: Setting your collections up for success with CPS230

Need to prepare for CPS230? Get expert advice from David Malcolm (PwC Australia) and Poli Konstantinidis (Prev. Experian & Latitude) on the new standards, and setting your collections up for success. How are you preparing for APRA’s updated CPS230 standards? In this Better Debt episode, InDebted’s CEO & Founder Josh Foreman unpacked the new standards with experts David Malcom, Risk Management Specialist - PwC Australia, and Industry SME, Poli Konstantinidis - previously Experian & Latitude.

3 min read

UK financial wellbeing in 2024: How can collections support customers through tough times?

How will the UK economy impact collections? Dive into what this economy means for Brits and how to adapt your recoveries. According to the Office of National Statistics, the United Kingdom officially fell into a recession for the last quarter of 2023.

4 min read

Key takeaways from Better Debt: AI and Machine Learning Masterclass

Where to start with adopting AI? Cover the basic principles with our industry experts, and work up towards how to integrate AI and Machine Learning into your organisational strategy. We all know that AI is the buzzword of the last 12 months. But how can you identify real opportunities to apply this technology to your organisation?

5 min read

5 steps to build AI into your collections strategy

Considering new technology for your recoveries? Here’s five essential steps from industry experts to create a future-proof AI collections strategy. Download as a PDF Where the idea of AI was previously reserved for the big screen, it’s now made a full debut into our reality.

5 min read

5 reasons digital debt collection improves collections performance

Check out these 5 ways you can improve collections performance with digital debt collection. Now more than ever, brands are investing in digital. In 2022, 87% of organisations increased their digital engagement investment - even in a challenging economic landscape.

5 min read

Bringing voice collections into 2024

How to use voice and outbound calling in debt collection When most people hear the term ‘debt collection’, the scenario of unknown calls and a not-so-friendly voice on the other end of the line quickly starts to emerge.

6 min read

Debt sale or collections agency? What to consider

How to choose between debt sale or a collections agency, what is debt sale and how does it work. When it comes to servicing overdue accounts, collections is an obvious choice - but it’s not the only one. Debt sale (or debt purchasing) is an additional option for creditors, and serves a key role in a diversified collections strategy.

3 min read

Collections insights over tax season, and what you can do to prepare now

How to prepare collections for 2024 tax season and optimize recoveries Featuring Dan Simmons - Senior Director Financial Consulting, TransUnion Tax season. Two words that are marked in red on every creditor and collection agency’s calendar.

4 min read

Debt collection industry predictions for 2024

Strengthen your recoveries strategy in an economic downturn to maximise collections and improve customer experience Read the full guide In 2023, The World Bank’s warning that the global economy would come ‘perilously close’ to a recession became a reality.

7 min read

The United States economy and its impact on debt collection

How does the United States economy impact the debt collection industry In the latest episode of Better Debt, our panel covered all things related to the United States economy, credit and collections.

4 min read

Key takeaways from Better Debt: Supporting borrowers through a shifting economy

How to prepare collections and support borrowers in a shifting economy Josh Foreman, CEO & Founder of InDebted sat down with industry experts: Dan Simmons: Senior Director of Consulting, Financial Services - TransUnion Tim Collins: General Counsel - InDebted Laura White: Chief Compliance & Risk Officer, InDebted Here’s a summary of what we learnt about supporting borrowers through the shifting economy.

2 min read

Omnichannel debt collection: what it is, key benefits, and strategy

Omnichannel debt collection uses channels such as SMS and email for higher customer engagement, better operational scalability, and increased liquidation. You’ve probably heard time and time again about every debt collection agency’s omnichannel, digital debt collection offering, but what exactly does it mean?

3 min read

Putting your collections strategy to the test with a champion-challenger model

How to use a champion-challenger model in collections to strengthen liquidation rates and improve performance How do you know if you’re getting the most out of your collections strategy? Have you considered exploring other options in the market?

3 min read

Exploring debt collection technology: SMS in the United States

Learn more about the debt collection technology that powers compliant SMS communications in the United States SMS messaging in collections is still a relatively new concept. Navigating associated regulations, privacy requirements and risks present challenges that can unfortunately stifle innovation such as the introduction of new digital channels.

3 min read

What can your collections strategy learn from modern consumer behaviours?

How to engage with customers in debt collection to improve liquidation rates and conversions. To understand why traditional collections practices often miss the mark when it comes to customer experience, let’s set the scene on how today’s consumers typically make purchases, seek support, and manage their accounts.

3 min read

Evolving your collections strategy beyond linear to intelligent

How to improve your collections strategy to increase liquidation rates and meet modern consumer behaviours Download as PDF By Tracy Glen: Chief Client Officer In this guide we’ll look at how collection strategies are typically formed, what’s considered during their development and most crucially, how they can be improved.

15 min read

Best practices for chatbots in consumer finance

Everything you need to know about best practices for using chatbots in consumer finance Read the full guide The influx of artificial intelligence (AI) and machine learning has sparked the widespread adoption of chatbots as an economic solution for customer support, particularly in financial services.

5 min read

Choosing a debt collection partner that understands today's consumers

How to find a debt collection agency that understands modern customers and today’s consumer needs There’s no doubt, all businesses want their debt collections agency to recover as much overdue money as possible. But agencies that offer a digital-first, customer-focussed approach can also support a business’s growth plans.

2 min read

How to find a third-party debt collection agency that’s right for your business

How to find the right third party debt collection agency that is right for your business and your customers, what to look for and what to avoid The third-party collection space can seem like a minefield. There’s veteran agencies who have been collecting the same way for decades, mixed in with more progressive ones taking steps to digitise their offering.

4 min read

Things to consider when scaling your business, and collections

How to scale your business and collections across different markets Download as PDF Scaling your business can be stressful. Whether expansion is regional or international, it’s a lot of work to grow the essential cogs that keep your business running.

7 min read

What are the benefits of outsourced third-party debt collection compared to in-house?

How in-house collections team compare to outsourcing to a third party agency Download as PDF In any economic climate, a certain amount of bad debt is a given. But what do you do as a business when overdue accounts rise above that threshold?

9 min read

We asked real people in debt what they wanted from a debt collector

Find out what real people in debt want from a debt collector and how intelligent collections is responsive to their needs No one plans to fall into debt. But with inflation impacting the cost of living worldwide, consumers are feeling the pinch now more than ever.

6 min read

What makes digital debt collection more effective

Why is digital debt collection better than traditional debt collection and how does it improve recovery rates Mitigate compliance risk Compliance is a key priority for organisations and one where relying solely on a traditional approach to debt collection presents challenges.

3 min read

As the cost of living crisis deepens, debt collection that places customer-outcomes at its core is more vital than ever

Why the UK needs a customer-first approach to debt collection and how intelligent debt collection creates a better customer experience Following InDebted’s UK launch in May this year, we commissioned a report conducted by Opinium to survey 2,000 UK adults on their experience of debt.

4 min read

Reflecting on 20 years in the collections industry and embracing a new chapter

Experienced collections leader reflects on the changes in the collections industry and the future of debt collection For almost 20 years, I’ve worked in every aspect of collections and thought I’d seen it all. In my first year of University I started on the phones as a part-time collector, managing 1st and 2nd payment default on auto loans in the US.

4 min read

Taking the shame out of debt and putting the human back in

By Tim Collins, Chief Compliance Officer Energy bills have reached heights beyond comprehension, inflation has hit a 40-year high and average pay increases simply aren’t keeping up.

3 min read

InDebted launches into the UK, finding that 2 in 3 Brits dealing with existing debt collectors experience “stressful” treatment

InDebted launches into UK debt collection. New research highlights impact of broken debt collection tactics on consumers. As consumer debt rises in the UK, new research by InDebted lays bare dissatisfaction with the country’s broken debt collection model This research evidences that a new solution to debt collection is required, as InDebted launches its intelligent digital platform into the UK to improve the consumer experience of debt and support financial wellbeing Around 2 in 3 UK adults (64%) who have interacted with existing debt collectors in the UK say the experience was “stressful”, increasing to about 3 in 4 (74%) among 18-34 year olds Nearly half (49%) have experienced harassment or aggression as a result of tactics frequently used in traditional debt collection InDebted, the Australian-founded global fintech transforming the world of consumer debt recovery, reveals new research highlighting the impact of the UK’s existing broken debt collection model on consumers.

5 min read

Debt collection partner, or debt collection software?

How to decide between a debt collection agency or a debt collection software. What should I look for in a debt collection agency Debt collection is going digital. In recent years, the mainstay of traditional debt collection outreach – the phone call – has been rendered less and less effective by changes in technology, customer preferences, and regulatory environments.

5 min read

How Reg F is an opportunity for businesses to improve customer experience

How to stay compliant with Regulation F and customer experience After years of commentary and discussion, the Consumer Financial Protection Bureau (CFPB) issued a ruling to modernise the Fair Debt Collection Practices Act (FDCPA), originally established in 1977.

4 min read

3 tips for evaluating a Reg F compliant debt collection vendor

How to evaluate and check that a debt collection agency is compliant with Regulation F The Consumer Financial Protection Bureau’s passing of Regulation F has increased restrictions on traditional call and collect debt collection practices. Debt collection strategies centred on high volumes of voice calls were already becoming outdated as consumers increasingly prefer omnichannel communications.

3 min read

Why business should care about their customers’ financial fitness

How businesses who care about their customers financial fitness can increase customer loyalty, reduce bad debt and increase stability Why is financial literacy important? Financial knowledge is important for everyone, no matter their level of income or where they live.

6 min read

Worry-free collections compliance driven by digital

How digital debt collection meets compliance requirements and updates when regulations change Regulations around debt collection can be difficult to navigate – and for good reason as consumers need to be protected – but that can come with its challenges.

2 min read

Debt collection that puts customers first to drive commercial outcomes

Customer centric debt collection drives better commercial outcomes When the employees of a debt collection agency are paid according to how much of an overdue debt they collect, the priority isn’t placed on the customer.

2 min read

Why digital debt collection works at all stages of accounts

Why digital debt collection works at all stages of accounts and is better than traditional debt collection All debt collection agencies get asked how successful they are in retrieving accounts in later days past due. Some businesses believe the older the account, the less likely it is to be resolved using a digital approach.

2 min read

What is digital debt collection and why it works

What is digital debt collection and how does it work To generate meaningful contact with today’s consumers, traditional-one-size-fits-all methods like making multiple calls to customers are no longer as effective.

4 min read

Why traditional debt collection doesn’t work

Why traditional debt collection does not work and how it damages organisations and customer experiences in the long run Consumer behaviour has evolved Today’s customers are unrecognisable from those of even a decade ago. As technology has evolved, so have customer preferences and behaviour.

2 min read

Benefits of a seamless, digital approach to debt collection

The benefits of digital debt collection approach and how it increases recoveries for all businesses With a preference for omnichannel communication, today’s customers are more likely to respond to a digital debt collection approach. Current approach is outdated Traditional agencies rely on call centre agents that come with many points of friction, such as calling customers who may not answer or who may have a new number.

2 min read

Hanging up on traditional debt collection: How Reg F can improve communication in debt collection

How Regulation F is an opportunity for businesses to improve communication and customer experience in debt collection What is Regulation F and why is it important? In November 2021, the Consumer Financial Protection Bureau (CFPB) enacted a regulation to modernise the Fair Debt Collection Practices Act (FDCPA), originally established in 1977.

5 min read

Why debt collection needs to be a positive, supportive, human experience

Why debt collection needs to create a positive customer experience to boost liquidation rates Data analysis produces richer insights These positive experiences are a result of digital-first agencies such as InDebted better leveraging customer insights to build behavioural models of their clients’ customers.

4 min read

Digital debt collection: Returns without the risk

What is digital debt collection and how does it boost recovery rates and scales with growing businesses The benefits of a consumer-centric approach Debt collection models can no longer rely on a one-size-fits-all approach to manage overdue accounts.

4 min read

Why the future of debt collection is digital-first and customer-led

The future of debt collection is digital and puts customers first, to maximise recoveries and liquidation rates Nowadays, most consumer transactions take place online. To ensure collections don’t get left behind, collectors need to adopt a digital-first approach and meet the needs of a modern consumer base.

5 min read

Your RFP template for selecting an innovative debt collection agency

Include these 6 criteria (recommended by industry experts) into your next RFP for a debt collection agency. Finding the right debt collection partner for your credit or consumer-facing organisation can be overwhelming. Every agency offers something different, so how do you screen for the best fit?

5 min read

How to implement digital debt collection: A blueprint for innovation

Build effective digital debt collection operations using this step by step innovation framework. Most businesses appreciate the importance of digital-first, consumer-centric approaches, but what are the actual steps needed to put innovation into practice?

6 min read

Understanding credit risk: the four main profiles and why they matter

Discover the 4 key credit risk profiles and how behavioural insights and AI tools are reshaping smarter financial decision-making. In today’s financial landscape, credit risk isn’t just a metric — it’s a mindset. For lenders, creditors, and collections professionals, understanding credit risk is fundamental to protecting cash flow and maintaining long-term business health.

4 min read

5 expert-backed tips for working with multiple collection agencies

How to get the best recoveries performance from working with multiple collections agencies. How do you get the most value out of partnering with collection agencies? With over 30 years of experience in collections leadership spanning organisations such as SoFi, Citi and Upstart, there’s no better person to ask than Justin Parker, Senior Advisor at 2nd Order Solutions.

4 min read

AI debt collection vs. traditional methods: what's different?

While traditional debt collection is increasingly seen as out of touch, a new generation solution is disrupting the landscape — AI-powered debt collection. It puts the power back into customer’s hands, to manage their debt their way. Download as PDF While traditional debt collection is increasingly seen as out of touch, a new generation solution is disrupting the landscape — AI-powered debt collection.

5 min read

The state of financial wellbeing in Australia, the United Kingdom and the United States, and how collections can support

How are your consumers coping financially? See the state of financial wellbeing across key markets, featuring the latest insights and practical actions for supporting stretched customers. How have your customer’s finances changed over the last three years? Since the depths of the pandemic, financial wellbeing has been slowly recovering.

5 min read

Breaking down the six components of CPS230 and how they apply to all organisations

Unsure where to start with operational resilience? Unpack the six fundamentals that every organisation needs to better manage disruption and risk. Complying with CPS230 ‘s updated standards from July 2025 onwards is front of mind for all APRA-regulated financial institutions this year.

4 min read

Key takeaways from Better Debt: Setting your collections up for success with CPS230

Need to prepare for CPS230? Get expert advice from David Malcolm (PwC Australia) and Poli Konstantinidis (Prev. Experian & Latitude) on the new standards, and setting your collections up for success. How are you preparing for APRA’s updated CPS230 standards? In this Better Debt episode, InDebted’s CEO & Founder Josh Foreman unpacked the new standards with experts David Malcom, Risk Management Specialist - PwC Australia, and Industry SME, Poli Konstantinidis - previously Experian & Latitude.

3 min read

UK financial wellbeing in 2024: How can collections support customers through tough times?

How will the UK economy impact collections? Dive into what this economy means for Brits and how to adapt your recoveries. According to the Office of National Statistics, the United Kingdom officially fell into a recession for the last quarter of 2023.

4 min read

Key takeaways from Better Debt: AI and Machine Learning Masterclass

Where to start with adopting AI? Cover the basic principles with our industry experts, and work up towards how to integrate AI and Machine Learning into your organisational strategy. We all know that AI is the buzzword of the last 12 months. But how can you identify real opportunities to apply this technology to your organisation?

5 min read

5 steps to build AI into your collections strategy

Considering new technology for your recoveries? Here’s five essential steps from industry experts to create a future-proof AI collections strategy. Download as a PDF Where the idea of AI was previously reserved for the big screen, it’s now made a full debut into our reality.

5 min read

5 reasons digital debt collection improves collections performance

Check out these 5 ways you can improve collections performance with digital debt collection. Now more than ever, brands are investing in digital. In 2022, 87% of organisations increased their digital engagement investment - even in a challenging economic landscape.

5 min read

Bringing voice collections into 2024

How to use voice and outbound calling in debt collection When most people hear the term ‘debt collection’, the scenario of unknown calls and a not-so-friendly voice on the other end of the line quickly starts to emerge.

6 min read

Debt sale or collections agency? What to consider

How to choose between debt sale or a collections agency, what is debt sale and how does it work. When it comes to servicing overdue accounts, collections is an obvious choice - but it’s not the only one. Debt sale (or debt purchasing) is an additional option for creditors, and serves a key role in a diversified collections strategy.

3 min read

Collections insights over tax season, and what you can do to prepare now

How to prepare collections for 2024 tax season and optimize recoveries Featuring Dan Simmons - Senior Director Financial Consulting, TransUnion Tax season. Two words that are marked in red on every creditor and collection agency’s calendar.

4 min read

Debt collection industry predictions for 2024

Strengthen your recoveries strategy in an economic downturn to maximise collections and improve customer experience Read the full guide In 2023, The World Bank’s warning that the global economy would come ‘perilously close’ to a recession became a reality.

7 min read

The United States economy and its impact on debt collection

How does the United States economy impact the debt collection industry In the latest episode of Better Debt, our panel covered all things related to the United States economy, credit and collections.

4 min read

Key takeaways from Better Debt: Supporting borrowers through a shifting economy

How to prepare collections and support borrowers in a shifting economy Josh Foreman, CEO & Founder of InDebted sat down with industry experts: Dan Simmons: Senior Director of Consulting, Financial Services - TransUnion Tim Collins: General Counsel - InDebted Laura White: Chief Compliance & Risk Officer, InDebted Here’s a summary of what we learnt about supporting borrowers through the shifting economy.

2 min read

Omnichannel debt collection: what it is, key benefits, and strategy

Omnichannel debt collection uses channels such as SMS and email for higher customer engagement, better operational scalability, and increased liquidation. You’ve probably heard time and time again about every debt collection agency’s omnichannel, digital debt collection offering, but what exactly does it mean?

3 min read

Putting your collections strategy to the test with a champion-challenger model

How to use a champion-challenger model in collections to strengthen liquidation rates and improve performance How do you know if you’re getting the most out of your collections strategy? Have you considered exploring other options in the market?

3 min read

Exploring debt collection technology: SMS in the United States

Learn more about the debt collection technology that powers compliant SMS communications in the United States SMS messaging in collections is still a relatively new concept. Navigating associated regulations, privacy requirements and risks present challenges that can unfortunately stifle innovation such as the introduction of new digital channels.

3 min read

What can your collections strategy learn from modern consumer behaviours?

How to engage with customers in debt collection to improve liquidation rates and conversions. To understand why traditional collections practices often miss the mark when it comes to customer experience, let’s set the scene on how today’s consumers typically make purchases, seek support, and manage their accounts.

3 min read

Evolving your collections strategy beyond linear to intelligent

How to improve your collections strategy to increase liquidation rates and meet modern consumer behaviours Download as PDF By Tracy Glen: Chief Client Officer In this guide we’ll look at how collection strategies are typically formed, what’s considered during their development and most crucially, how they can be improved.

15 min read

Best practices for chatbots in consumer finance

Everything you need to know about best practices for using chatbots in consumer finance Read the full guide The influx of artificial intelligence (AI) and machine learning has sparked the widespread adoption of chatbots as an economic solution for customer support, particularly in financial services.

5 min read

Choosing a debt collection partner that understands today's consumers

How to find a debt collection agency that understands modern customers and today’s consumer needs There’s no doubt, all businesses want their debt collections agency to recover as much overdue money as possible. But agencies that offer a digital-first, customer-focussed approach can also support a business’s growth plans.

2 min read

How to find a third-party debt collection agency that’s right for your business

How to find the right third party debt collection agency that is right for your business and your customers, what to look for and what to avoid The third-party collection space can seem like a minefield. There’s veteran agencies who have been collecting the same way for decades, mixed in with more progressive ones taking steps to digitise their offering.

4 min read

Things to consider when scaling your business, and collections

How to scale your business and collections across different markets Download as PDF Scaling your business can be stressful. Whether expansion is regional or international, it’s a lot of work to grow the essential cogs that keep your business running.

7 min read

What are the benefits of outsourced third-party debt collection compared to in-house?

How in-house collections team compare to outsourcing to a third party agency Download as PDF In any economic climate, a certain amount of bad debt is a given. But what do you do as a business when overdue accounts rise above that threshold?

9 min read

We asked real people in debt what they wanted from a debt collector

Find out what real people in debt want from a debt collector and how intelligent collections is responsive to their needs No one plans to fall into debt. But with inflation impacting the cost of living worldwide, consumers are feeling the pinch now more than ever.

6 min read

What makes digital debt collection more effective

Why is digital debt collection better than traditional debt collection and how does it improve recovery rates Mitigate compliance risk Compliance is a key priority for organisations and one where relying solely on a traditional approach to debt collection presents challenges.

3 min read

As the cost of living crisis deepens, debt collection that places customer-outcomes at its core is more vital than ever

Why the UK needs a customer-first approach to debt collection and how intelligent debt collection creates a better customer experience Following InDebted’s UK launch in May this year, we commissioned a report conducted by Opinium to survey 2,000 UK adults on their experience of debt.

4 min read

Reflecting on 20 years in the collections industry and embracing a new chapter

Experienced collections leader reflects on the changes in the collections industry and the future of debt collection For almost 20 years, I’ve worked in every aspect of collections and thought I’d seen it all. In my first year of University I started on the phones as a part-time collector, managing 1st and 2nd payment default on auto loans in the US.

4 min read

Taking the shame out of debt and putting the human back in

By Tim Collins, Chief Compliance Officer Energy bills have reached heights beyond comprehension, inflation has hit a 40-year high and average pay increases simply aren’t keeping up.

3 min read

InDebted launches into the UK, finding that 2 in 3 Brits dealing with existing debt collectors experience “stressful” treatment

InDebted launches into UK debt collection. New research highlights impact of broken debt collection tactics on consumers. As consumer debt rises in the UK, new research by InDebted lays bare dissatisfaction with the country’s broken debt collection model This research evidences that a new solution to debt collection is required, as InDebted launches its intelligent digital platform into the UK to improve the consumer experience of debt and support financial wellbeing Around 2 in 3 UK adults (64%) who have interacted with existing debt collectors in the UK say the experience was “stressful”, increasing to about 3 in 4 (74%) among 18-34 year olds Nearly half (49%) have experienced harassment or aggression as a result of tactics frequently used in traditional debt collection InDebted, the Australian-founded global fintech transforming the world of consumer debt recovery, reveals new research highlighting the impact of the UK’s existing broken debt collection model on consumers.

5 min read

Debt collection partner, or debt collection software?

How to decide between a debt collection agency or a debt collection software. What should I look for in a debt collection agency Debt collection is going digital. In recent years, the mainstay of traditional debt collection outreach – the phone call – has been rendered less and less effective by changes in technology, customer preferences, and regulatory environments.

5 min read

How Reg F is an opportunity for businesses to improve customer experience

How to stay compliant with Regulation F and customer experience After years of commentary and discussion, the Consumer Financial Protection Bureau (CFPB) issued a ruling to modernise the Fair Debt Collection Practices Act (FDCPA), originally established in 1977.

4 min read

3 tips for evaluating a Reg F compliant debt collection vendor

How to evaluate and check that a debt collection agency is compliant with Regulation F The Consumer Financial Protection Bureau’s passing of Regulation F has increased restrictions on traditional call and collect debt collection practices. Debt collection strategies centred on high volumes of voice calls were already becoming outdated as consumers increasingly prefer omnichannel communications.

3 min read

Why business should care about their customers’ financial fitness

How businesses who care about their customers financial fitness can increase customer loyalty, reduce bad debt and increase stability Why is financial literacy important? Financial knowledge is important for everyone, no matter their level of income or where they live.

6 min read

Worry-free collections compliance driven by digital

How digital debt collection meets compliance requirements and updates when regulations change Regulations around debt collection can be difficult to navigate – and for good reason as consumers need to be protected – but that can come with its challenges.

2 min read

Debt collection that puts customers first to drive commercial outcomes

Customer centric debt collection drives better commercial outcomes When the employees of a debt collection agency are paid according to how much of an overdue debt they collect, the priority isn’t placed on the customer.

2 min read

Why digital debt collection works at all stages of accounts

Why digital debt collection works at all stages of accounts and is better than traditional debt collection All debt collection agencies get asked how successful they are in retrieving accounts in later days past due. Some businesses believe the older the account, the less likely it is to be resolved using a digital approach.

2 min read

What is digital debt collection and why it works

What is digital debt collection and how does it work To generate meaningful contact with today’s consumers, traditional-one-size-fits-all methods like making multiple calls to customers are no longer as effective.

4 min read

Why traditional debt collection doesn’t work

Why traditional debt collection does not work and how it damages organisations and customer experiences in the long run Consumer behaviour has evolved Today’s customers are unrecognisable from those of even a decade ago. As technology has evolved, so have customer preferences and behaviour.

2 min read

Benefits of a seamless, digital approach to debt collection

The benefits of digital debt collection approach and how it increases recoveries for all businesses With a preference for omnichannel communication, today’s customers are more likely to respond to a digital debt collection approach. Current approach is outdated Traditional agencies rely on call centre agents that come with many points of friction, such as calling customers who may not answer or who may have a new number.

2 min read

Hanging up on traditional debt collection: How Reg F can improve communication in debt collection

How Regulation F is an opportunity for businesses to improve communication and customer experience in debt collection What is Regulation F and why is it important? In November 2021, the Consumer Financial Protection Bureau (CFPB) enacted a regulation to modernise the Fair Debt Collection Practices Act (FDCPA), originally established in 1977.

5 min read

Why debt collection needs to be a positive, supportive, human experience

Why debt collection needs to create a positive customer experience to boost liquidation rates Data analysis produces richer insights These positive experiences are a result of digital-first agencies such as InDebted better leveraging customer insights to build behavioural models of their clients’ customers.

4 min read

Digital debt collection: Returns without the risk

What is digital debt collection and how does it boost recovery rates and scales with growing businesses The benefits of a consumer-centric approach Debt collection models can no longer rely on a one-size-fits-all approach to manage overdue accounts.

4 min read

Why the future of debt collection is digital-first and customer-led

The future of debt collection is digital and puts customers first, to maximise recoveries and liquidation rates Nowadays, most consumer transactions take place online. To ensure collections don’t get left behind, collectors need to adopt a digital-first approach and meet the needs of a modern consumer base.

5 min read

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Understanding credit risk: the four main profiles and why they matter

5 expert-backed tips for working with multiple collection agencies

AI debt collection vs. traditional methods: what's different?

The state of financial wellbeing in Australia, the United Kingdom and the United States, and how collections can support

Breaking down the six components of CPS230 and how they apply to all organisations

Unsure where to start with operational resilience? Unpack the six fundamentals that every organisation needs to better manage disruption and risk. Complying with CPS230 ‘s updated standards from July 2025 onwards is front of mind for all APRA-regulated financial institutions this year.

Key takeaways from Better Debt: Setting your collections up for success with CPS230

UK financial wellbeing in 2024: How can collections support customers through tough times?

How will the UK economy impact collections? Dive into what this economy means for Brits and how to adapt your recoveries. According to the Office of National Statistics, the United Kingdom officially fell into a recession for the last quarter of 2023.

Key takeaways from Better Debt: AI and Machine Learning Masterclass

5 steps to build AI into your collections strategy

Considering new technology for your recoveries? Here’s five essential steps from industry experts to create a future-proof AI collections strategy. Download as a PDF Where the idea of AI was previously reserved for the big screen, it’s now made a full debut into our reality.

5 reasons digital debt collection improves collections performance

Check out these 5 ways you can improve collections performance with digital debt collection. Now more than ever, brands are investing in digital. In 2022, 87% of organisations increased their digital engagement investment - even in a challenging economic landscape.

Bringing voice collections into 2024

How to use voice and outbound calling in debt collection When most people hear the term ‘debt collection’, the scenario of unknown calls and a not-so-friendly voice on the other end of the line quickly starts to emerge.

Debt sale or collections agency? What to consider

Collections insights over tax season, and what you can do to prepare now

How to prepare collections for 2024 tax season and optimize recoveries Featuring Dan Simmons - Senior Director Financial Consulting, TransUnion Tax season. Two words that are marked in red on every creditor and collection agency’s calendar.

Debt collection industry predictions for 2024

Strengthen your recoveries strategy in an economic downturn to maximise collections and improve customer experience Read the full guide In 2023, The World Bank’s warning that the global economy would come ‘perilously close’ to a recession became a reality.

The United States economy and its impact on debt collection

How does the United States economy impact the debt collection industry In the latest episode of Better Debt, our panel covered all things related to the United States economy, credit and collections.

Key takeaways from Better Debt: Supporting borrowers through a shifting economy

Omnichannel debt collection: what it is, key benefits, and strategy

Putting your collections strategy to the test with a champion-challenger model

How to use a champion-challenger model in collections to strengthen liquidation rates and improve performance How do you know if you’re getting the most out of your collections strategy? Have you considered exploring other options in the market?

Exploring debt collection technology: SMS in the United States

What can your collections strategy learn from modern consumer behaviours?

Evolving your collections strategy beyond linear to intelligent

Best practices for chatbots in consumer finance

Choosing a debt collection partner that understands today's consumers

How to find a third-party debt collection agency that’s right for your business