Daily Digest - April 29, 2026

🎂Happy Birthday to: Paul Brennan of Sunrise Credit Services, Megan Lusian of Gurstel Law Firm, Brittanie Saxon-Jones of Lateral Technology, and Nancy Beato of ConServe.

Logo Madness!

It’s time to crown the best logo in the industry. Full bracket available here so you can track the competition. Click on the link underneath the logo to choose your winner. Voting is open for 24 hours.

Bankruptcy Omission Leads to Dismissal of FDCPA Case Against Collector

• A lawsuit that you have filed against someone or something is an asset because it has the potential to provide you with financial benefit. Consumers are required to disclose their assets when filing for bankruptcy protection. A District Court judge in Washington refused to overlook a plaintiff’s omission of a Fair Debt Collection Practices Act lawsuit against a collection operation in her bankruptcy filing and granted the operation’s motion for judgment on the pleadings

• More details here.

A MESSAGE FROM TCN

TODAY’S WEBINAR

UPCOMING WEBINARS

Why AI Works Best at the Start of the Customer Journey, Not the End

• While consumers are increasingly engaging with AI-powered tools, they are not yet ready to rely on them for the moments that matter most, particularly when money is involved, according to a published report. The findings come from an analysis published by CX Dive, which examines how major brands are deploying AI and how consumers are responding to those efforts.

• More details here.

InDebted Founder Steps Aside as CEO, Doubles Down on AI Strategy

• InDebted is making a notable leadership shift at a time when many in the collections industry are watching its trajectory closely. Founder Josh Foreman is stepping down as CEO and moving into a dedicated founder role focused on product, engineering, and AI, while the company begins an external search for a new chief executive.

• More details here.

Judge Tosses FCRA, ADA, ECOA Claims in Repossession Lawsuit Against Credit Union

• A District Court judge in Nevada has dismissed a consumer’s Fair Credit Reporting Act claim tied to the repossession of her vehicle, finding that the complaint failed to establish one of the most fundamental requirements for triggering a furnisher’s duties under the statute. The ruling underscores a recurring issue in FCRA litigation: the difference between complaining to a regulator and properly disputing information through a credit reporting agency.

• More details here.

41 Companies Seeking Collection Talent

• Conventional wisdom is that, regardless of your employment situation, you should always have one eye looking at what else is out there because, for most of us, we have to go get our dream job; it’s not going to fall into our lap. The best way to keep your eye on what’s out there is by checking out this week’s job listings summary.

• More details here.

WORTH NOTING: The most underrated cities if you want to have a great retirement ... What helped drive the 2-hour marathon barrier to be broken this past weekend ... Do consumers have wiggle room to absorb higher gas prices? ... A lot of people are scaling back their travel plans for this year ... What it's like to go dumpster diving for merchandise that retailers throw away ... A lot of Gen Xers don't believe they are going to be able to retire on schedule ... The streets where more pedestrians die aren't random; they are the result of bad choices ... The reasons why more Americans feel pessimistic about the state of the economy.

Wisdom Wednesday, part I

Wisdom Wednesday, Part II

Webinar Recap: What You Can Learn From Consumers Who Don't Interact With You

Hosted by Mike Gibb of AccountsRecovery.net and sponsored by Halsted Financial, this session tackled one of the industry’s biggest blind spots—consumers who ignore collection efforts. Panelists from Frost Arnett, Harris & Harris, Vantage Credit Union, and Prosper Marketplace emphasized that silence itself is data. As Todd Pierce noted, “Collections can really simplify to ability to pay and willingness to pay.”

The discussion highlighted how non-engagement reveals friction points, channel preferences, and timing issues. Panelists stressed the importance of multi-channel outreach, data-driven segmentation, and persistence in staying top-of-mind until consumer circumstances shift. Emily Yan underscored that agencies should “never give up on contacting customers if they don’t respond,” while Matt Stegall pointed out that non-response often reflects inability to pay rather than avoidance.

Ultimately, the webinar reinforced that operational rigor—balancing outreach costs with account value and ensuring seamless payment processes—is critical to converting silence into resolution.

🧠 Key Takeaways:

• Broaden Engagement Definitions 
  Track beyond payments—monitor clicks, portal visits, and opt-outs to better understand consumer intent.

• Leverage Multi-Channel Strategies 
  Use email, SMS, phone, and mail in complementary ways to maximize reach and reduce friction.

• Stay Persistent but Strategic 
  Maintain consistent, non-intrusive contact and simplify payment flows so debts remain visible and easy to resolve when circumstances change.

This session makes clear: silence isn’t the end of the conversation—it’s a signal. Agencies that decode non-engagement patterns and invest wisely in outreach stand the best chance of converting “ghosted” accounts into recoveries.

Did you know you can get full access to all of my past webinars, along with transcripts and summaries of each, for only $29/month? Sign up to be a premium subscriber today!

The Daily Digest is sponsored by TCN