Agencies and law firms rely on payments that are predictable, affordable, and easy for consumers. Two of the most commonly used methods — ACH payments and debit card payments — both offer advantages, but each performs differently depending on the situation. In 2025,...
ACH Return Code R17: What It Means & How to Fix It (2025 Update)
ACH Return Code R17 — “File Record Edit Criteria” — is one of the most misunderstood ACH errors, yet it’s increasingly common across the legal, collections, and billing industries. In simple terms, R17 occurs when the bank can’t process an ACH entry because critical...
ACH Return Code R17: What It Means & How to Fix It (2025 Update)
ACH Return Code R17 — “File Record Edit Criteria” — is one of the most misunderstood ACH errors, yet it’s increasingly common across the legal, collections, and billing industries. In simple terms, R17 occurs when the bank can’t process an ACH entry because critical...
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 methods for agencies, creditors, and law firms. But when an ACH return occurs, it can slow down recovery, add operational work, and introduce compliance considerations your...
The Rise in CFPB Complaints: What Collection Firms Must Do Now to Reduce Risk
The Rise in CFPB Complaints: What Collection Firms Must Do Now to Reduce Risk CFPB complaints related to debt collection continue to rise, and today’s consumers are more informed, more vocal, and more empowered than ever. As expectations shift and digital...
From Compliance to Competitive Edge: What We Learned at ACA Fall Forum 2025
💡 The Future of Collections is Configurable: 5 Insights from ACA Fall Forum 2025 As the industry gathered in Orlando for ACA International’s Fall Forum 2025, one theme stood out loud and clear: the future of recovery belongs to agencies and firms that can adapt...
What Is a “Conversational Workflow,” and How Does It Help You Recover More (Compliantly)?
If you’ve ever interacted with a chatbot that just loops the same three answers, you know how frustrating automation can be. That’s not HealPay Assist. HealPay Assist builds custom conversational workflows—tailored, intelligent call flows that replicate your agency’s...
HealPay to Exhibit at NCBA Connect 2025 in San Antonio, TX
We’re thrilled to announce that HealPay will be exhibiting at NCBA Connect 2025, taking place October 14–17 at the San Antonio Marriott Rivercenter in San Antonio, Texas. As part of the legal collections and creditor-rights community, this is a key opportunity for us...
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 latest AI resources available to the industry. AI (artificial intelligence) is reshaping the debt collection industry—automating tasks, increasing outreach efficiency, and...
How AI Voice Technology is Beating the Majority of Collection Agents
In an industry where every second counts and every call has the potential to make or break a consumer relationship, debt collection agencies are constantly looking for an edge. Enter the AI phone agent—an intelligent voice assistant that’s not just fast and scalable,...
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 adapt risk falling behind. Today’s borrowers expect digital ease. They want to review balances, choose payment options, and upload documents—all from their phone, often...
How Automation Is Transforming Debt Recovery in 2025
The debt collection industry is undergoing a major transformation in 2025—driven by automation, artificial intelligence, and smarter software tools. For years, agencies relied heavily on manual processes and human judgment. But today, automation is redefining what it...
Hub’s QR Code Feature Simplifies Consumer Engagement
QR codes offer a fast, convenient, and mobile-friendly way for consumers to quickly and easily access payment pages.
Is It Time to Retire Paper Checks?
Many businesses still rely on paper checks. Modern payment options are faster, more secure, and consumer-friendly. Is it time to switch?