Archives for August 2015

LocateSmarter Determined to Change the Data Industry with New Product


CEDAR FALLS, IA – Today, data company LocateSmarter announced the launch of Movali 2.0, a phone append product. Movali 2.0 allows customers to create custom phone append products in real-time by choosing from a list of available data sources. The customer is provided with metrics on each data source’s hit rate, phone type, priority score and processing time.

This news comes just months after the company’s first announcement of Movali.

LocateSmarter President Chad Benson explained, “With our first Movali product release, we created a phone append product focused on data quality and reducing excess bad data. We worked with our data sources to tighten up the logic used to determine matches and in doing so, we were able to compete with leading data providers and win champion challenger tests. With Movali 2.0, we’ve expanded our data sources and added the ability to customize around each source. We’re introducing a disruptive approach to the market that empowers our customers.”

Benson commented that many data providers use similar data sources in their phone append products, however, the customer doesn’t typically have visibility into the overlapping data sources.

“With Movali 2.0, we’re being extremely transparent.” Benson added, “We give our customers visibility into the data sources and provide them with metrics to help them tailor the product to fit their specific business needs.”

Movali 2.0 features an interactive dashboard that shows statistics on each data source. These metrics are shown in real-time and include hit rate, phone type, priority score and processing time. In addition, Movali’s waterfall simulator displays how the product will perform based on the order of the chosen data sources.

However, LocateSmarter doesn’t just leave it up to the customer to create their phone append product, they delegate a team of data strategists and analytics professionals to help the customer make sense of their data and recommend  specific Movali data sources.

“I think what is unique about LocateSmarter is that we really roll up our sleeves and dig into the data with each client,” stated Manager of Consumer Data Strategy, Chance Hoskinson. “We want our customers to be able to clearly see how our products can deliver a positive impact to their operations – how we can help decrease wrong numbers, how we can increase right party contact rates, and how they can ultimately collect more money while reducing labor and data costs.”

Movali 2.0 is also helping meet clients’ requirements too.

Hoskinson mentioned, “What’s great about Movali 2.0 is that if our customers want all landline phone numbers – we can accommodate that in a few simple clicks. If they need to manage to a specific hit rate due to limited internal resources – we can handle that too. Plus, at any time, they can make changes to the product themselves too. Everything can be done in real-time through our easy-to-use online platform.”

LocateSmarter will deliver a complete set of scrubs products in the coming months and plans to introduce Movali 3.0 are well underway. Movali 3.0 will focus on leveraging disposition data in the analytics and decision making process.

For more information on LocateSmarter’s newest phone append product or for partnership opportunities, please call 888-254-5501 or visit www.locatesmarter.com.

About LocateSmarter™

LocateSmarter, LLC., a subsidiary of CBE Companies, was formed in 2012 with a mission to deliver next generation, cloud-based skip trace solutions for accounts receivable management and collection purposes. The company developed an online application focused on providing quality consumer data.

LocateSmarter’s key values include:

  • Increasing regulatory compliance and operational efficiency by focusing on data quality
  • Providing measurable data so businesses can make educated decisions about their skip tracing strategies
  • Streamlining the data testing and onboarding process with a patented online platform

Interested data partners are advised to contact LocateSmarter at 866-912-1314 or info@locatesmarter.com.

LocateSmarter Determined to Change the Data Industry with New Product
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Accounts Receivable Management

FTC’s Reilly Dolan Lists Those Banned From Debt Collection, and Discusses Industry Self-Regulation


Earlier this week, Reilly Dolan, Associate Director, Division of Financial Practices at the Federal Trade Commission posted a blog about the debt buying industry and its efforts to self-regulate. Below is the full text of the piece, which offers insight into the regulator’s expectations. Also of interest is the link to the 75 bad apples recently banned from the debt collection business.

Last year the FTC received 280,998 complaints about questionable debt collection practices. We think consumers and responsible members of the industry can agree that number is higher than it should be. The FTC is fighting that battle on three fronts. We’ve brought dozens of cases – both on our own and with state partners – to enforce the Fair Debt Collection Practices Act and Section 5. We’ve fought to have 75 bad apples removed from the debt collection barrel. And we continue to educate consumers and businesses about their rights and responsibilities in the collections process. But there’s another important effort underway.

Recently I was a panelist at a meeting of DBA International, a trade association that represents many members of the debt buying business, and I was asked about DBA’s ongoing efforts to put together a program of industry self-regulation.

The FTC has always been an enthusiastic proponent of effective self-regulation. We think the benefits are obvious. Self-regulation can encourage compliance through an alternative dispute resolution approach that is far less disruptive than litigation. It can foster fair competition so that law-abiding companies don’t have to go head-to-head with competitors that cross the line. And especially in industries whose reputation has been tarnished by bad apples, it can be an important step toward winning back public confidence.

We’ve also learned that self-regulation is worth doing only if it’s done right. We’ve looked at a lot of self-regulatory set-ups over the years. There’s no one-size-fits-all approach, but the good ones seem to have some characteristics in common.

  1. Effective self-regulatory programs are transparent. They feature consistent, workable standards that are easily understood by industry members, consumers, and law enforcers. A key component of transparency is avoiding conflicts of interest. No sweetheart deals or smoked-filled rooms. Effective regimens are open, autonomous, and above-board.
  2. Effective self-regulatory programs are nimble.  For most industries, the innovation button seems to be stuck on fast-forward. The best programs stay ahead of the game with active industry monitoring and standards that respond to changes in technology and the marketplace.
  3. Effective self-regulatory programs have teeth. Self-regulation doesn’t work when there’s lip service, but no bite. An effective enforcement mechanism is essential – for example, referring to law enforcers those who don’t promptly cure their practices.
  4. Effective self-regulatory programs have industry buy-in. Look at programs that have stood the test of time and what do you see? They all enjoy the widespread support of industry members. Businesses may not always agree with the result, but they respect the integrity of the process. And they put muscle behind it by actively participating and encouraging others to participate, too.

We’ll watch with interest as self-regulatory efforts continue in the debt buying industry and other sectors.

FTC’s Reilly Dolan Lists Those Banned From Debt Collection, and Discusses Industry Self-Regulation
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Accounts Receivable Management

CBE VP Sam Deines to Ignite Passion at TRMA


CEDAR FALLS, Iowa – CBE Companies Inc. (CBE) Vice President for Organizational Development Sam Deines makes a natural fit for the Telecommunications Risk Management Association (TRMA) fall conference and its theme, “Igniting Passion.”

Deines uses her passion for people to create an engaged, excited workforce at CBE every day. At the TRMA conference, Deines will share research, ideas and takeaway tools about employee engagement in her presentation, “Light Up Your Employees.”

“A company becomes greater than the sum of its parts when employees are engaged,” Deines said. “If employees feel an emotional connection with their company and know their work matters and why, they’re willing to go the extra mile.”

TRMA is an industry forum for risk management professionals from the Telecommunications, Pay TV, Utility, Waste Management and other industries to collaborate, understand, and share best practices related to acquisition risk management, customer life-cycle and uncollectible debt issues among its members.

The TRMA conference Sept. 1 and 2 in Denver will feature more than 20 speakers incorporating the “Ignite Passion” theme into topics ranging from employee retention to regulatory compliance.

Deines brought experience as a mental health counselor, a leadership and team building consultant and a business owner in the leadership arena to CBE eight years ago. As Vice President of Organizational Development her expertise is in employee engagement, personal and professional development, training and retention strategies and corporate culture management.

In her TRMA presentation, Deines will illustrate why employee engagement matters. She will share her thoughts on what makes people tick and how to use that information to create an engaged workforce that produces measurable benefits for companies.

About CBE Companies

Founded in 1933, CBE Companies is a global provider of outsourced call center services focused on connecting people with solutions. The company specializes in receivables management and customer care services. This narrow focus has enabled the company to be an expert in every aspect of the business. From a one-of-a-kind culture immersion approach to a proven ramp process, CBE’s focused expertise saves its partners money and enables them to focus on their core business.

CBE approaches every business relationship as a strategic partnership. The company shares in its partners’ successes and failures and strives to create more of the former and less of the latter. CBE firmly believes transparency and communication are the cornerstones in the foundation for success. The company’s approach to a strategic partnership begins with open communication; this assures CBE partners that the team handling their business is committed to delivering customer insights, ideas and new ways to accomplish goals.

With more than 1,600 people in six locations globally, CBE Companies can deliver the right solution in the right location(s) for your ever-changing business needs. Its corporate headquarters is located in Cedar Falls, Iowa, with two facilities in Waterloo, Iowa, and additional facilities in Overland Park, Kansas; New Braunfels, Texas and Manila, Philippines.  The organization is consistently recognized as a local Employer of Choice.  It has also been recognized by Workplace Dynamics as one of Iowa’s Top Workplaces. For more information about CBE Companies, please visitwww.cbecompanies.com or call 888-386-0273.

CBE Companies Press Kit

CBE VP Sam Deines to Ignite Passion at TRMA
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Accounts Receivable Management

LiveVox and EOS NCN Discuss Emerging Agency Practices That Leverage New Canadian Contact Center Capabilities


SAN FRANCISCO – LiveVox Inc., a leading provider of cloud contact center solutions for enterprise operations, announced that it will host an operations expert from EOS NCN to discuss emerging practices that take advantage of new technical capabilities.  Al Weaver, Vice President of Operations for EOS NCN, will share his view of optimizing the mix of people, processes and technology to drive superior business results in an agency practice.

The webinar takes place Wednesday, September 2 at 2:00PM (Eastern time) and is designed for agency operations executives and for revenue cycle managers in industries such as healthcare.

Panelists will discuss approaches to setting up and optimizing campaigns, with multiple tactics made possible by the rollout of LiveVox’s cloud contact center solution into Canada.  They will also cover other lessons learned in deploying technology in similar environments.

Brian Hamilton, Operations Consultant at LiveVox, states of the event: “Agencies face increasing pressure to effectively complete outbound outreach and education while simultaneously increasing their ability to service incoming calls. Businesses must take a holistic look at how they use technology and shift their processes to facilitate faster resolutions and smarter agents. We hope to share with the audience some ways that can be done.”

About the event:

EVENT: Emerging Agency Practices That Leverage New Canadian Contact Center Capabilities (Webinar)

DATE/TIME: Wednesday, September 2, 2:00 – 3:00 PM, Eastern Time

PANELISTS:

Al Weaver, Vice President of Canadian Operations and Strategy, EOS NCN

Brian Hamilton, Operations Consultant, LiveVox, Inc.

Joe Heinen, Senior Director, Product and Solution Marketing,LiveVox, Inc.

REGISTER: http://livevox.hs-sites.com/webinar-for-canada

Click to register, and we will send a calendar appointment item with webinar details.

About LiveVox, Inc.

LiveVox is a leading provider of cloud contact center solutions for enterprise operations.  Through a patented PCI-certified cloud platform and redundant IP/MPLS mesh, it delivers true multi-tenant highly scalable and burstable contact center solutions such as ACD, predictive dialer, IVR, centralized call recording, business analytics and compliance suite.  LiveVox enables fast deployment of contact center solutions from the cloud, while offering customers full control to manage their day-to-day business requirements in a cost efficient way.  For more information, such as the press release on theLiveVox Canadian center, visit http://www.livevox.com.

About EOS NCN

EOS NCN was originally established in 1964. Since that time, the company has concentrated on making its receivables management operations dynamic, transparent, responsive and effective. Solid performance over the past 50+ years has brought rapid and healthy corporate growth that continues today. Since 2011, EOS NCN has been part of the EOS Group.  For more information, visit http://www.eos-ncn.ca

LiveVox and EOS NCN Discuss Emerging Agency Practices That Leverage New Canadian Contact Center Capabilities
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Accounts Receivable Management

Eleventh Circuit Court Cites “Plain Language” of the FDCPA, Rules in Favor of Capital One in Debt Collection Case


If an entity acquires a debt in default and tries to collect on it, does that automatically make it a “debt collector” under the Fair Debt Collections Practices Act? Several courts, including the Third, Seventh, and Sixth Circuit Courts of Appeals, all said yes it does. In a surprise ruling earlier this week, however, the Eleventh Circuit Court bucked the trend and ruled instead that the FDCPA is just not that simple. An entity’s primary purpose matters.

In the case in question, Davidson v. Capital One Bank (USA), N.A., plaintiffs argued that Capital One most certainly fits the FDCPA’s definition of “debt collector” because the subject debt it acquired from HSBC, as part of a portfolio of credit card accounts, was already in default. Capital One argued that it did not meet the definition because it was collecting on debt owed to it and not on debts owed to another entity.

Multiple circuit courts ruled that the distinction does not matter. Capital One acquired this debt in default and tried to collect on it. It is, by FDCPA definition, a debt collector – even if it’s collecting on its own debt – and therefore subject to the FDCPA.

Not so fast, said the Eleventh. Before an entity gets saddled with the Act’s “debt collector” designation, it has to meet one of two “substantive requirements.” It has to collect debt regularly or function, primarily, as a debt collecting entity. In other words, a single instance where an entity attempts to collect a debt in default does not make it, per the FDCPA, a “debt collector.” The court found that since Capital One does not function primarily as a debt collector and was, in this instance, only making an effort to collect debts owed to it, it does not meet either of the requirements.

“We need look no further than the statutory text to conclude that, under the plain language of the FDCPA, a bank (or any person or entity) does not qualify as a ‘debt collector’ where the bank does not regularly collect or attempt to collect on debts ‘owed or due another’ and where ‘the collection of any debts’ is not ‘the principal purpose’ of the bank’s business, even where the consumer’s debt was in default at the time the bank acquired it,” the ruling states.

Davidson attempted to argue that Capital One should count as a debt collector under the FDCPA because it regularly collects debts originally owed to other entities – debts that were in default when Capital One acquired them.

The salient distinction involves debt ownership and timing, not the simple act of collecting debt in default, the court countered.

“Our inquiry … is not whether Capital One regularly collects on debts originally owed or due another and now owed to Capital One; our inquiry is whether Capital One regularly collects on debts owed or due another at the time of collection,” the ruling notes. “The amended complaint makes no factual allegations from which we could plausibly infer that Capital One regularly collects or attempts to collect debts owed or due to someone other than Capital One.”

The ruling affirms the district court’s earlier dismissal of the plaintiff’s complaint, noting that, contra the plaintiff’s assertion, Capital One does not meet the definition of “debt collector” under the FDCPA.

insideARM Perspective

In addition to the fact that this decision does not fall in line with those by other courts, this case is interesting in light of the CFPB’s focus on looking at first party collectors. The Bureau’s questions during its process of debt collection rulemaking, and recent enforcement actions, seem to point to its intention to treat first party collectors more like third party collectors.

 

Eleventh Circuit Court Cites “Plain Language” of the FDCPA, Rules in Favor of Capital One in Debt Collection Case
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Accounts Receivable Management

Another Positive TCPA “Prior Express Consent” Case


Yesterday insideARM reported on an Eleventh Circuit Court of Appeals Decision confirming the validity of prior express consent in a TCPA case. Today we report on another, similar case.

On Friday, the Court of Appeals for the Sixth Circuit, in the case of  Hill v. Homeward Residential Inc., No. 2:13–CV–00388, 2015 WL 4978464, affirmed the lower court jury decision determining that a person gives “prior express consent” when he gives a creditor his cell phone number in connection with a debt.

The debt involved a mortgage that the plaintiff, Stephen M. Hill (Hill) had obtained in 2003. The mortgage was obtained through another company not a party to the lawsuit. The loan was ultimately transferred to Homeward Residential Inc. (Homeward). Hill had fallen behind in his mortgage payments and had significant interaction with Homeward as he attempted to resolve the delinquency and keep his home.

The court found that Hill had filled out at least 10 different forms with Homeward as he tried to mitigate his losses. He provided his cell phone number on all these forms. The court also found that Hill had provided express written consent for Homeward to call his cell phone on one of those forms. That consent read:  “I consent to being contacted concerning this request for mortgage assistance at any cellular or mobile telephone number I have provided [,] . . . includ[ing] . . . telephone calls to my cellular or mobile telephone.”

To collect from Hill and in other matters regarding his loan, Homeward called Hill on the number he provided: his cellphone. In all, Homeward called him an alleged 482 times from 2009 to 2013. For 176 of these calls the company used a device “capable of autodialing a phone number.”

The 11 page opinion discusses a number of procedural issues that occurred throughout the life of the case.  However, the crux of the opinion was that Hill did give Homeward “prior express consent” to call him on his cell phone.

insideARM Perspective

This case and the Murphy case we reported on yesterday should be read together for an excellent discussion on the issue of “prior express consent.” Unfortunately, in light of the FCC’s July Declaratory Ruling and Order, this issue may become secondary to the issue of when “prior express consent” is revoked by a consumer.

Another Positive TCPA “Prior Express Consent” Case
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Accounts Receivable Management

Navient May Be CFPB’s Next Target For Legal Action


Navient Solutions, Inc. may be in legal trouble again. Late last week, the CFPB’s Office of Enforcement sent loan processing giant Navient a NORA (Notice and Opportunity to Respond and Advise) letter informing the company that it may recommend that the agency pursue legal action. The CFBP warned Navient that it may seek restitution, civil monetary penalties and corrective action against it.

The letter follows from an ongoing CFPB investigation into Navient’s disclosures, assessment of late fees and “other matters,” according to a Securities and Exchange Commission filing submitted earlier this week by Navient.

The CFPB’s NORA process is a procedural step and not a sure sign the agency will pursue legal action. Through the process, Navient will have the opportunity to explain to the agency why it thinks the agency should not pursue that action.

According to the SEC filing, Navient plans to participate in the NORA process and defend its actions. “NSI [Navient] continues to believe that its acts and practices relating to student loans are lawful and meet industry standards and, where applicable, the statutory or contractual requirements of NSI’s other regulators,” the company states. “As such, NSI intends to make a NORA submission to the CFPB.”

This is not the first time in recent memory that Navient has attracted negative attention from regulators. Last year the company ran afoul of the Federal Deposit Insurance Corp. (FDIC). The regulator accused the servicer of misleading consumers and maximizing late fees. The company agreed to pay nearly $37M in fines and announced it would chip in $42 million to affected borrowers in May of 2014.

The Department of Justice also recently investigated the company for the way it handled the student loans of active-duty soldiers.

The company broke away from Sallie Mae in 2014 and is now the largest servicer of student loans in the US.

“We’re dedicated to assisting our customers and helping them succeed, and continue to make enhancements to support our customers’ ongoing success,” notes Navient in its official statement. “We believe our practices meet or exceed standards and, where applicable, the statutory or contractual requirements of other regulators. Because of our data-driven outreach programs and one-on-one assistance our people provide to our 12 million student loan customers, loans serviced by Navient have higher income-driven repayment enrollment rates leading to a 40-percent lower default rate than the national average.”

insideARM Perspective

While this is not directly a debt collection story, the announcement is interesting as it is yet another example that the CFPB has been making the rounds within high profile firms in and around the ARM industry.

The CFPB recently told Department of ED contractor Performant Corp it would be closing it’s nearly two year investigation of the firm. No enforcement actions were necessary in that case.

Encore Capital Group (ECPG) announced earlier this month that it is in discussions with CFPB staff regarding practices and controls relating to their engagement with consumers that could result in a negotiated settlement or litigation.

PRA Group (PRAA) also mentioned as part of its Q2 earnings conference call that it has been engaged in ongoing discussions with the CFPB regarding debt collection practices and hopes to “narrow our differences and bring the matter to a conclusion.”

Navient May Be CFPB’s Next Target For Legal Action
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Accounts Receivable Management

Ontario Systems Adds Sessions Firm Partners to Roster of PowerUp 2015 Presenters


MUNCIE, Ind. – Ontario Systems, a leading accounts receivable technology and services provider, announced it has added Sessions Firm partners David Israel and Michael Del Valle to the company’s roster of presenters at its annual customer and collection education conference, PowerUp 2015. Sessions, Fishman, Nathan & Israel, LLC, is the nation’s leading consumer protection defense firm, with nearly 50 attorneys practicing in 10 states.

Israel and Del Valle will discuss Consumer Financial Protection Bureau (CFPB) examination preparation, proceedings and aftermath with PowerUp attendees, including:

  • Examination timing, duration and costs
  • Pros and cons of using retained counsel
  • Simultaneous on-site visits by state and CFPB authorities
  • Confidentiality issues
  • Leading CFPB hot spots and compliance favorites
  • Staff and collector preparation
  • Documentation requirements
  • Post-examination activities and follow-up
  • Understanding CFPB ratings

“This year’s roster of presenters at PowerUp 2015 is already made up of the collection industry’s heaviest hitters,” says Rozanne Andersen, Chief Compliance Officer at Ontario Systems. “David and Michael only add to that cadre, representing the top attorneys in the world of consumer protection defense litigation and CFPB examination consulting. I’m confident their discussion of the CFPB’s examination process will be an eye opener for all, and one of the conference’s premiere presentations.”

More details and registration information about PowerUp 2015 are available at powerup.ontariosystems.com. The conference runs October 7-9 at the Indianapolis Marriott Downtown.

About Ontario Systems

Ontario Systems, LLC is a leading provider of accounts receivable and strategic receivables management solutions for the collection and healthcare industries. Offering a full portfolio of software, services and business process expertise, Ontario Systems customers include nine of the 10 largest collection agencies and three of the top six best health systems in the U.S., with 55,000 representatives in more than 500 locations.

To learn more about how Ontario Systems can help power up your receivables, visit OntarioSystems.com or email info@ontariosystems.com.

Ontario Systems Adds Sessions Firm Partners to Roster of PowerUp 2015 Presenters
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Accounts Receivable Management

ConServe Sponsors ADA Step Out: Walk to Stop Diabetes


Rochester, N.Y. – Continental Service Group, Inc., d.b.a. ConServe, is proud to announce its support and involvement in the American Diabetes Association’s 2015 Step Out: Walk to Stop Diabetes campaign. Symbolizing ConServe’s commitment to its corporate mission of improving the human condition, the Rochester, N.Y-based organization has pledged to be an Exclusive Route Sponsor in order to help the ADA expand its outreach and impact.

2015 ADA sponsor - Step Out Walk

George Huyler, VP of Human Resources for ConServe, states that “ConServe is proud to partner with the American Diabetes Association as they serve and empower the community with a variety of educational programs, workshops and awareness campaigns for people living with the challenges of diabetes, as well as their friends and families.” He adds “ConServe employees commit every day to doing the right thing, at the right time, the right way. Helping to eliminate one of the leading causes of death in our society while promoting and inspiring a healthier lifestyle are noble efforts of which ConServe employees are especially proud.”

“In honor of the 29 million Americans diagnosed with diabetes and hundreds of local families that the American Diabetes Association helps, we are so excited to have ConServe support Step Out: Walk to Stop Diabetes as an Exclusive Route Sponsor said Nicole St. James, Manager of the America Diabetes Association’s Fundraising & Special Events. She continues “Thank you, from the 225 children who attended our signature camp, Camp Aspire, this summer. ConServe’s support will send more children with Type 1 diabetes to camp next summer. On October 17th, we will walk together to stop diabetes, one step at a time.”

About ConServe

ConServe has been ranked consistently as a top-performing agency by the federal government and the U.S. Department of Education. Representing less than 1% of collection agencies nationwide, ConServe has achieved the ACA International Professional Practices Management System (PPMS) certification, representing the collection industry’s standard for quality management, and has completed the SSAE 16 Type II Engagement. Nationally accredited by the Better Business Bureau (BBB) with an A+ rating, ConServe is a recipient of the Rochester Business Ethics Award, has repeatedly appeared on Inc. Magazine’s Inc. 5000 list of fastest-growing companies and has been named a Rochester Top 100 company 12 times in the last 13 years. ConServe has been voted a Best Place to Work in Collections (for the last three consecutive years) and was recognized in 2015 as the #1 Top Workplace in Rochester, N.Y. Training magazine named ConServe on its Top 125 list of organizations with the most successful learning and development programs in the world and the Greater Rochester Quality Council has presented ConServe with both the Customer Excellence and Operations Excellence Awards.

Visit ConServe online at www.conserve-arm.com

About the ADA

The mission of the American Diabetes Association is to prevent and cure diabetes and to improve the lives of all people affected by diabetes. The moving force behind the work of the Association is a network of more than one million volunteers, a membership of more than 441,000 people with diabetes, their families and caregivers, a professional society of nearly 16,500 health care professionals, as well as more than 800 staff members.

Visit the American Diabetes Association online at: www.diabetes.org

ConServe Sponsors ADA Step Out: Walk to Stop Diabetes
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Accounts Receivable Management

FDCPA Lawsuits Up Sharply YTD in 2015 vs. 2014


According to a monthly report by Webrecon, FDCPA litigation is up 17.5% YTD over the same period in 2014, with 6,888 cases filed through the end of July compared to 5,862 for the same period last year. FCRA cases also increased YTD compared with last year, by 26.8%. TCPA are still down for the YTD comparison, by 1.4%.

Source: Webrecon

FDCPA Lawsuits Up Sharply YTD in 2015 vs. 2014
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Accounts Receivable Management