debt collection industry

What the Debt Collection Data Doesn’t Show: Six Things Every CFPB Report Leaves Out

Apr 24, 2026 by D. Collins

The CFPB received approximately 207,800 debt collection complaints in 2024, but this number only captures what consumers actually know is wrong and take the time to report. The most consequential collection techniques, like manipulating a consumer into a statute of limitations reset, are completely invisible in regulatory complaint data. Compliance enforcement varies wildly across the … Read more

The Call I Still Think About: One Account That Changed How I See This Industry

Apr 20, 2026 by D. Collins

Most consumer advice is theoretical. This is a practical look at what actually happens on a collection floor when a vulnerable account is dialed. A $50 “good faith payment” is rarely about the money; it is a trained tactic to legally restart the statute of limitations on an old debt. Never make a payment, share … Read more