- AccountsRecovery Daily Digest
- Posts
- Daily Digest - July 3, 2025
Daily Digest - July 3, 2025
Brought to you by: TCN | By Mike Gibb
Mike Gibb
July 03, 2025
📝 EDITOR’S NOTE: Scroll down to the bottom for a recap and highlights from yesterday’s webinar.
🥳 🎂 Happy Birthday to: Kirsten Scoggins of First Flight Federal Credit Union.
The early bird registration deadline for ComplianceCon expires this week! Sign up now and save $100 off the registration price!
New Training Bytes Video Published
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, Kristi Loyer from Wilber discusses what to do when a consumer says, “I lost my job and don’t have any extra money to pay this”. Thanks to Peak Revenue Learning for sponsoring this series! Click on the image below to view this week’s episode!
Getting to Know Chris Canote of Hawthorn Recovery Service
Restauranteur … Musician in a family bluegrass band … Church pastor … Collection operation general manager. It’s safe to say that Chris Canote doesn’t mind choosing the road less taken. And it’s a good thing the road less taken isn’t very busy, because Chris and his wife have 10 kids to bring along with them on their journey. Read on to learn more about Chris, how he straddles being an introvert and an extrovert (and has the term to prove it), and why he is proud to call himself a coffee snob.
This series is sponsored by TEC Services Group
A MESSAGE FROM TCN
TODAY‘S WEBINAR
UPCOMING WEBINARS
 |  |
 |
Appeals Court Affirms Dismissal of TCPA Case Over Collection Calls
The Court of Appeals for the Sixth Circuit has affirmed the dismissal of a Telephone Consumer Protection Act lawsuit against a creditor over collection calls that were made to the plaintiff’s cell phone, saying the plaintiff did not provide enough facts to support his claim that the 800 calls he received over an 18-month period were made using an automated telephone dialing system or that the defendant used an artificial or prerecorded voice when making the calls.
In a recent webinar sponsored by Peak Revenue Learning, a panel of industry experts came together to tackle one of the most important and often overlooked aspects of consumer engagement in collections: convincing consumers you’re on their side.
Consumer Financial Health Declines Amid Inflation and Savings Shortfalls
As the cost of living remains elevated, fewer Americans feel confident in their financial footing — and an alarming number lack sufficient emergency savings, according to new data from both J.D. Power and Bankrate. These trends present challenges for banks, lenders, and debt collectors attempting to engage consumers during a time of rising financial stress.
WORTH NOTING: It was only a matter of time: someone is using AI to translate dog barks into human language ... A summary of the credit card landscape ... Are you one of the millions of Americans who have nicknames for their cars? ... Are we in the midst of a mustache renaissance? ... It's that time of year again. Time to sample all the great foods on a stick at state fairs across the country ... Why you should think twice before deciding not to add an emoji to your text messages ... If you are feeling creatively frustrated, it might be a result of too much Googling ... Books that feel like a hug and are good comfort reads for when life gets hard.
Top 10 Thursday, part I
Top 10 Thursday, Part II
Webinar Recap: Best Email Collection Strategies
In a fast-moving digital landscape, yesterday’s email strategy may already be outdated. That was the key message from the latest webinar sponsored by Concepts2Code. A panel of experts — Justin Franklin (Cedar Financial), Kyle Patterson (InvestiNet), and Mark Reinhard (Concepts2Code) — unpacked what collection operations need to know today to maximize consumer engagement through email.
Here’s what stood out:
Subject lines and preview text are critical. The panel agreed that clear, recognizable subject lines — including the original creditor’s name and sometimes the consumer’s name — increase open rates. But what works one week may not work the next, making A/B testing essential. Kyle noted that even subtle changes like punctuation or emoji use can influence engagement.
Testing is not optional. Justin, Kyle, and Mark emphasized the value of iterative testing — not just for subject lines, but across email layout, tone, send times, and device display. Consistent weekly content reviews were also encouraged to keep emails fresh and compliant.
Compliance and empathy must coexist. While provocative language can boost engagement, it must be vetted through internal compliance teams and legal counsel. Questions like “Have you given up on this?” have proven effective when used respectfully and reviewed for risk.
Three Action Items:
Audit your best-performing email. View it on a mobile device and compare it to a branded email from a major company like Amazon. What stands out — or doesn’t?
Run a new A/B test. Start with subject lines or preview text. Even small changes can reveal major insights.
Review your calls to action. Ensure they are clear, concise, and mobile-friendly. Consider using more than one CTA sparingly to offer options without overwhelming.
The session reinforced a simple truth: email in collections isn’t static — it’s a strategic tool that needs constant tuning.
Did you know that premium subscribers get full access to transcripts, summaries, more highlights, and full recordings of every webinar? That’s thousands of hours of content, available for just $29/month for an individual subscription or $99/month for a company subscription. Click here to subscribe as an individual or email me to sign up your company.
The Daily Digest is sponsored by TCN
