THE HEALPAY BLOG
How to Send Compliant SMS Messages in Debt Collection: A Modern Guide for 2026
Text messaging has become one of the most effective ways to reach consumers—but for debt collectors, law firms, and creditors, SMS comes with strict compliance obligations. As enforcement of consumer-communication rules continues to evolve, understanding how opt-in...
How to Send Compliant SMS Messages in Debt Collection: A Modern Guide for 2026
Text messaging has become one of the most effective ways to reach consumers—but for debt...
The Holiday Spending Trickle Effect on Consumer Debt
After the holidays and the decorations are packed away--reality sets in. For many consumers, that...
How to Improve Payment Success Rates: A Practical Guide for Agencies & Law Firms
Payment failures slow down recovery, increase staff workload, and create operational bottlenecks...
Discover the Latest In…
Collections
The Evolution of Consumer Behavior in Debt Recovery: Why Law Firms Must Adapt
Consumer expectations around debt resolution have shifted dramatically—and law firms that don’t...
4 Ways Electronic Signatures Improve Debt Collection Efficiency
E-signatures can speed up payment agreements, reduce paperwork, and enhance compliance.
Using Payment Automation to Scale Your Collections Practice
Payment automation can transform small collection firms by enabling them to scale operations, reduce costs, and compete with large firms.
Compliance
ACH Return Codes Explained: The Complete Guide for Payment Recovery Teams
ACH payments continue to be one of the most efficient, cost-effective, and widely used payment...
Is It Legal to Use AI in Debt Collection? What You Need to Know
Last week during the ACA International Convention, the HealPay Team became familiar with the...
A Strategic Approach to Consent and Communication Preferences
Both consent and preference are two important factors to build into your consumer communication strategy.
ACH Payments
ACH Return Codes Explained: The Complete Guide for Payment Recovery Teams
ACH payments continue to be one of the most efficient, cost-effective, and widely used payment...
Understanding NACHA’s Recent Updates to ACH Return Codes
NACHA’s recent updates to return codes R06 and R17 allows bank to better address fraudulent ACH transactions.
ACH vs. Debit Cards: Key Differences and Benefits
Understand the benefits and challenges of ACH payments and debit card payments.
Latest Product Updates
New in Hub: Two-Way Messaging
Consumers can now reply to messages from merchants, enabling seamless two-way communication between Portal and Hub.
New in Hub: Send Documents to Portal Users
HealPay’s Hub now offers a powerful feature for document management: the ability to attach documents directly to Ticket replies.
Electronic Document Sending With HealPay Dispute and Hardship Forms
Consumers can send important documents directly through a HealPay Portal to provide supporting evidence for a dispute or hardship claim.