For years, the debt collection industry has focused on process: compliance, documentation, workflows, and policies. All essential—but often at the expense of one critical factor: the consumer experience. Today’s consumers are conditioned by Amazon, Apple Pay, and...
How Recent FDCPA Cases Reveal the Compliance Risks of Uncontrolled AI Systems—And Why Purpose-Built Solutions Matter If your law firm is considering implementing an AI chatbot or IVR system for collections, you've likely heard both the promises and the warnings....
How Recent FDCPA Cases Reveal the Compliance Risks of Uncontrolled AI Systems—And Why Purpose-Built Solutions Matter If your law firm is considering implementing an AI chatbot or IVR system for collections, you've likely heard both the promises and the warnings....
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...
After the holidays and the decorations are packed away--reality sets in. For many consumers, that reality includes higher balances, tighter budgets, and tougher financial decisions. While holiday spending might feel like a retail trend, its ripple effects are felt...
Payment failures slow down recovery, increase staff workload, and create operational bottlenecks for agencies and law firms. The good news: most payment failures stem from a predictable set of issues — and can be solved with the right systems, validation, and...
When consumers fail to complete online payments, agencies and law firms lose revenue, staff spend time chasing down balances, and recovery timelines get delayed. But the good news is this: most payment abandonment is preventable. This guide breaks down the top reasons...
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 — “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 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 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...
💡 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...
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...
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...