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- Daily Digest - October 10, 2025
Daily Digest - October 10, 2025
Brought to you by: TCN | By Mike Gibb
Mike Gibb
October 10, 2025
🎉🎂 Happy Birthday to: Chris Walcher of Cedar Financial, and Carmen Arnoldy of Absolute Resolutions.
🎉 Congratulations for starting new positions: Scott Morris as Managing Member at Tromberg, Miller, Morris & Partners, and Gareth Levinsohn as Chief Executive Officer at JumpStart Interactive Intelligence.
🚨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, Jennifer Peck from The Stark Agency breaks down the mindset that it takes to be a successful collector. Thanks to Peak Revenue Learning for sponsoring this series! Click on the image below to view this week’s episode!
Aaron Reiter and I are back with another episode of “Dad Jokes” Enjoy!
ComplianceCon Photos!
If you missed ComplianceCon last week and want to see what all the fuss was about, or if you were there and want to relive it, check out the photos from the event!
Plaintiff Seeks $50k in Damages in FDCPA Suit
Is dismissing a collection lawsuit a sign of guilt? A sign that the debt isn’t worth the fight? A combination of the two? Or something else entirely. A consumer in Virginia has filed a lawsuit against a debt buyer, accusing it of violating the Fair Debt Collection Practices Act because of the actions it took after filing a collection lawsuit against the plaintiff. The plaintiff is seeking $50,000 in actual damages, as well as statutory damages under the FDCPA, attorney’s fees and costs, and pre-judgment and post-judgment interest. The case was originally filed in Virginia state court, but has been removed to federal court by the defendants.
This series is sponsored by WebRecon
A MESSAGE FROM TCN
TODAY‘S WEBINAR
UPCOMING WEBINARS
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California Judge Recommends Allowing FDCPA and TCPA Claims to Proceed
An Magistrate judge in California has recommended denying a defendant’s motion to dismiss claims it violated the Fair Debt Collection Practices Act and the Telephone Consumer Protection Act, ruling the plaintiff revoked consent to be contacted and adequately alleged that the company continued to make calls despite that revocation.
Illinois Appeals Court Upholds Judgment After Arbitration Dispute
An Illinois Appeals Court has affirmed a lower court’s ruling awarding a judgment to a debt buyer, rejecting all of the consumer’s arguments why the ruling should be overturned.
Inflation Fears Rise While Lower-Income Borrowers Struggle to Stay Current
Consumers are expecting higher inflation and feeling less confident about their jobs while early signs are starting to show those pressures are already surfacing in loan performance. New data from the Federal Reserve Bank of New York’s Survey of Consumer Expectations and delinquency figures from the auto finance market both point to growing stress among lower-income households.
WORTH NOTING: What Warren Buffett suggest all parents do before they die, regardless of how much money they have ... How to maximize your credit card points when traveling ... How the government shutdown is impacting communities across the country ... Why you may want to start tracking your health metrics more closely ... The new work phrase buzzword is "job hugging." How to know if people around you are doing it ... A question I admit I have never asked myself or anyone else: is ironing dead? ... A look at the favorite Halloween costumes of 2025 ... A Luddite resistance is building, especially among younger consumers.
Funny Friday, part I
Funny Friday, Part II
Webinar Recap: Aligning Early Out and Bad Debt Collections to Optimize Results and Engagement
Early out and bad debt collections may seem like two separate worlds—one focused on empathy and maintaining consumer relationships, the other on urgency and recovery—but aligning the two can dramatically improve results and consumer engagement. In this webinar, panelists Ruth Lande (Undue Medical Debt), Candice O’Brien (Action Collection Agencies), and Jake Richards (State Collection Service) shared how greater collaboration between these functions benefits both consumers and providers.
The panel emphasized that a unified engagement strategy, supported by accurate data, consistent messaging, and shared technology, can strengthen performance across both stages of the revenue cycle. As Jake Richards noted, “Empathy and retaining the consumer are important on both sides of the fence.” O’Brien added that consistent communication and tone across early out and bad debt efforts “offer a better experience for both the client and the patient.”
The conversation also addressed the role of automation, presumptive charity tools, and segmentation models to ensure that outreach is efficient and compliant. Lande urged providers to screen out accounts below income thresholds before placement, warning, “Don’t use propensity to pay—use straight income.”
Ultimately, aligning these operations is not just about efficiency—it’s about creating a more humane and intelligent approach to debt resolution.
🧠 Key Takeaways:
Unify your engagement strategy. Align messaging, tone, and reporting between early out and bad debt teams to provide a seamless consumer experience.
Prioritize data accuracy. Ensure clean, complete, and reconciled data across both operations to avoid duplicate accounts, disputes, and compliance risks.
Leverage technology and analytics. Use segmentation, automation, and presumptive charity tools to focus efforts on accounts most likely to resolve—and to protect those who cannot pay.
The Daily Digest is sponsored by TCN
