Daily Digest - April 25, 2025

🎂🎉 Happy (pre) Birthday to: Caren Enloe of Smith Debnam, whose birthday is tomorrow.

Congratulations to Jenny deHoyos, who was promoted to Chief Client Officer at Capio, and Ryan Eskridge, who was hired as vice president of business development at Halsted Financial Services.

New Training Bytes Video Released!

Check out the newest Training Bytes video! Each week, an expert from the accounts receivable management industry will share how he or she would handle different scenarios that collectors often face. This week, Kelli van Cleave from ACA International discusses what to do when a consumer asks why he/she needs to make a good faith payment. Thanks to Peak Revenue Learning for sponsoring this series!

Logo Madness!

It’s time to start voting! Click on the logo you think is better to cast your vote. You can see the entire bracket here. Thanks to Drop Cowboy for sponsoring this year’s contest!

Collector Facing FDCPA Class Action Over Issues With Initial Notice

• A collection operation is facing a class-action lawsuit in Minnesota federal court for allegedly violating the Fair Debt Collection Practices Act because it sent its own version of the Model Validation Notice to the plaintiff, and the notice did not include an itemization date or a date to indicate when the window to dispute the debt or seek validation expired.

• More details here.

• This series is sponsored by WebRecon

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N.Y. State Appeals Court Affirms Dismissal for Lack of Standing

• There isn’t a ton of background and the ruling itself is also on the brief side, but what it says is probably more important than how it says it. A New York state Appeals Court has affirmed the dismissal of a Fair Debt Collection Practices Act case on the grounds that the plaintiff did not have standing to sue. Given the trend of plaintiffs filing these types of cases in state court over federal court because federal judges are holding firm on plaintiffs needing to have suffered a concrete injury in order to have standing, seeing a state court ruling holding up on this issue is worthy of note.

• More details here.

Oregon Senate Approves Medical Debt Credit Reporting Bill

• Oregon is the latest state attempting to fill the void being left by the Consumer Financial Protection Bureau with a medical debt credit reporting and collection bill, which this week passed the state Senate.

• More details here.

Payments Fraud Continues to Surge, While Checks Make Comeback

• The latest data from the 2025 AFP Payments Fraud and Control Survey reveals an alarming rise in payments fraud, with 79% of organizations reporting they were victims of fraud attempts or attacks in 2024. This figure, though slightly down from the previous year’s 80%, underscores the ongoing vulnerabilities businesses face in today’s digital and paper-based payment environments.

• More details here.

WORTH NOTING: I hope what you read here and on AccountsRecovery is at least part of the content you trust because, according to this survey, a lot of people don't believe what they see and read anymore ... I'm generally not a fan of instrumental versions of the national anthems at sporting events, but not sure I would be this upset about it ... Home sales took a big dive last month ... I sense a pattern here: CBS news outlets in Michigan, New York, Texas, Maryland, Illinois, and Massachusetts all tackling medical debt on the same day as the nightly news ... Preparing for a recession is the latest TikTok trend to go viral ... How some people are pushing back against the culture of tipping ... How to impress during a job interview without sounding like a narcissist ... Are you a good hotel guest or a bad hotel guest?

Funny Friday, part I

Funny Friday, Part II

The Daily Digest is sponsored by TCN