Daily Digest - November 19, 2025

🎂 Congratulations for starting new positions: Heidi Schollenberger as Sr. Manager, Reporting & Analytics at JJ Marshall & Associates.

Wisconsin Court Affirms Dismissal in Meaningful Involvement Challenge

• A Wisconsin Appeals Court has affirmed a ruling dismissing counterclaims against a collection operation, accusing it of violating the Fair Debt Collection Practices Act and Wisconsin state law for, among other claims, its attorney not being meaningfully involved.

• More details here.

A MESSAGE FROM TCN

TODAY‘S WEBINAR

UPCOMING WEBINARS

Americans Report Growing Anxiety Over Affording Healthcare

• Nearly half of adults are worried they will not be able to afford necessary healthcare in the coming year, according to a new nationwide survey from the West Health-Gallup Center for Healthcare in America. The findings reflect the highest level of cost anxiety since tracking began in 2021 and offer a detailed look at how residents across all 50 states are experiencing the system.

• More details here.

Canadian Bank Fined $25k For Multiple Calls After Representation Notification

• It’s always interesting to see how the other half lives. Like, for example, are collection regulations in other countries very different than the ones here in the United States. In some places, they aren’t. A Canadian bank is going to pay the equivalent of $25,000 after a provincial regulator ruled it violated a Consumer Protection Act by attempting to contact a consumer more than 100 times after the consumer asked that all communications be directed to the consumer’s attorney.

• More details here.

42 Companies Seeking Collection Talent

• Want to be a Cell Center Manager? How about a Compliance Officer working for a credit card lender in Las Vegas? Or maybe a Technology Manager for a collection law firm in New York. Those are just three of the 45 different jobs listed in this week’s job listings summary. Regardless of whether you are looking to hire or looking for work, there is a reason to check out this post.

• More details here.

WORTH NOTING: A list of 13 common bank fees you shouldn't be paying, and how to avoid them ... For those in charge of desserts for Thanksgiving, here are the secrets to better pie making ... Four negotiation tactics you can use in real life situations ... Pope Leo shares his all-time favorite movies ... The average age of a first-time homebuyer this year is 40, the highest ever ... The day of the week where remote and hybrid workers are putting in the fewest hours ... Changing one detail on your LinkedIn profile can help you boost engagement ... Proof that there is hope for humanity.

Wisdom Wednesday, part I

Wisdom Wednesday, Part II

Webinar Recap: Making Letters Work in an Omnichannel Collections Environment

As digital communication channels expand, the role of the traditional letter in collections is shifting from default to strategic. In this webinar, sponsored by Renkim, panelists from across the credit and collections industry explored how letters can remain relevant and effective within a modern omnichannel strategy.

Joey Nichols (Account Resolution Team) emphasized the generational divide: “New generations don’t even check the mailbox unless it’s from Amazon,” while older consumers still expect paper communications. Chris Adams (Medical Business Bureau) noted that letters are often the only viable option when digital contact data is missing or when regulations require physical delivery. Brian Answeeney (CBE Companies) added that account balance should influence channel selection: “You might send a $10,000 account a letter, but not a $50 one.”

Panelists agreed that letters should not be treated as a fallback, but rather as a coordinated part of a waterfall strategy—sequenced alongside email, text, and phone outreach. Rob Augg (Renkim) stressed the importance of analytics and design, including QR codes and tracked links, to measure engagement and drive action.

Ultimately, the message was clear: letters still matter—but only when used intentionally, with data-driven sequencing, and integrated into a broader, consumer-centric communication strategy.

🧠 Key Takeaways:

• Use A/B testing to determine optimal channel sequencing based on demographics, account type, and past behavior.

• Tag consumer preferences in your CRM to avoid redundant outreach and improve future engagement.

• Ensure your letter and digital vendors support QR codes, tracked links, and waterfall logic to maximize deliverability and response rates.

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