Daily Digest - September 10, 2025

 🎉🎂 Happy Birthday to: Tom Sweat of TEC Services Group, Mike Gerlach of Receivables Management Partners, Corey Cox of Asset Resolutions, and Michael Backes of Receeve.

🎉 Congratulations to the following for starting their new positions: David Hensey as Senior Portfolio Manager at Southwood Financial, and Linda Brockly as Vice President of Business Development at Peak Outsourcing.

Unfortunately, this would likely not meet the definition for reasonable investigation. So, that means you're going to have to do some actual work. Why not see how your peers from across the credit and collection industry investigate the different types disputes that they are seeing in their files every day?

That's just one of two dozen sessions at ComplianceCon. If you can find a way to save a few minutes on each investigation, or learn about a new tool that can help, think of how that will multiply across all of the investigations you have to do. The insights from this one session alone can pay for the cost of attending the event.

🔖 🎓 Now with CLE Credits!

Court Vacates Injunction in Case Over Non-Lawyer Representation in Debt Suits

• This might be one of those rare instances where the industry and the Attorney General of New York are on the same side. The Court of Appeals for the Second Circuit has overturned a lower court’s preliminary injunction that prevented the Attorney General from enforcing the state’s unauthorized practice of law statute against a company that claimed it violated the First Amendment because it wanted to use non-lawyers to represent consumers in debt collection lawsuits.

• More details here.

A MESSAGE FROM TCN

TODAY‘S WEBINAR

UPCOMING WEBINARS

Consumer’s Own Credit Report Undermines Case, Appeals Court Affirms Dismissal

• The Court of Appeals for the Eleventh Circuit has affirmed a lower court’s ruling in favor of the third defendant which was sued for violating the Fair Credit Reporting Act, concluding that the plaintiff failed to demonstrate any factual inaccuracies in her credit report or that the defendants conducted unreasonable investigations into her disputes.

• More details here.

Consumers Save Under No Surprises Act, but Big Financial Strain Persists

• The No Surprises Act is lowering patient out-of-pocket costs — but premiums and financial strain remain unchanged, according to a new study from Harvard University and Mass General Brigham, which finds the No Surprises Act is cutting out-of-pocket spending for privately insured adults, but premiums and overall financial strain tied to medical bills haven’t budged.

• More details here.

35 Companies Seeking Collection Talent

• Not sure why, but a lot of the jobs in this week’s job listings are in places where the cities have people names, like Charlotte, Gilbert, Troy, and Salt Lake City. There’s even a job in there that is paying up to $300,000 per year. Check out that one and the 34 others in this week’s summary.

• More details here.

Nordis Technologies Appoints Vice President of Technology

• Nordis Technologies, a fast-growing leader in omnichannel customer communications management and payments technology solutions, has named Scott Cobb as Vice President of Technology.

• More details here.

WORTH NOTING:Premiums for employer-sponsored health plans are expected to go up 7% in 2026 ... A simple question without a simple answer -- is AI hurting entry-level jobs? ... A survey of how consumers feel about smartphones ... A trio of state attorneys general are cracking down on a privacy issue ... Takeaways from yesterday's event announcing new iPhones, AirPods, and Apple Watches ... Global warming is having an impact on how much sugar we eat, especially in our beverages ... States where buyers have the most power when it comes to buying a house ... Stephen King's 10 favorite movies of all time.

Wisdom Wednesday, part I

Wisdom Wednesday, Part II

Webinar Recap: The Different Types of Emails You Should/Must Send to Consumers

In this webinar hosted by AccountRecovery.net and sponsored by CSS Impact, panelists Taylor Klingenberg (Resurgent Capital Services) and Sarah Langley (Williams & Fudge) break down the three essential email types every collections operation should master: transactional, marketing, and responsive. Their message is clear—email isn’t just a digital letter; it’s a strategic channel that builds trust, drives revenue, and meets consumers where they are.

Transactional emails (receipts, confirmations, declines) should be your starting point. They’re expected, low-risk, and build sender reputation. Marketing emails—like onboarding sequences, settlement offers, and behavioral nudges—should be concise, personalized, and timed to consumer actions. Responsive emails close the loop, allowing agents to reply directly to inbound messages and reinforce human connection.

Both panelists emphasize the importance of tone, compliance, and consistency. Emails should be short, open-ended, and reviewed across legal, compliance, and operations. Tools that flag FDCPA/UDAAP violations in real time are essential. And integrating email replies into your core collections platform ensures agents can respond quickly and compliantly.

Langley shares how her team uses email to confirm arrangements, follow up on declined payments, and even drive Google reviews—while Klingenberg urges teams to test subject lines, CTAs, and timing to optimize engagement. The takeaway: email is no longer optional. It’s a scalable, consumer-preferred channel that can transform your recovery strategy.

🧠 Key Takeaways:

1. Start with Transactional Emails
   Use confirmations, receipts, and decline notices to build trust and improve deliverability. These low-risk messages set the tone for future engagement.

2. Route Replies to Your Core Platform
   Ensure consumer responses land where agents work—so they can reply instantly, stay compliant, and resolve issues fast.

3. Trigger Follow-Ups Based on Behavior
   Send short, targeted emails when consumers abandon payments, visit portals, or opt in via SMS. Timely nudges drive resolution.

The Daily Digest is sponsored by TCN