💡 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 fast—combining automation, compliance, and human connection in smarter ways.
Here are five insights that resonated most with us—and how HealPay is helping our partners put them into action.
1️⃣ Advocacy Isn’t Abstract — It’s Operational
In The Policy Advantage session, ACA leaders emphasized that advocacy directly impacts operations. Policy decisions in Washington and at the state level can reshape how agencies communicate, assess risk, and even calculate cost-to-collect.
At HealPay, we design with that reality in mind. Our configurable compliance controls and real-time message governance features give clients the flexibility to adapt as regulations evolve—without rebuilding workflows from scratch.
2️⃣ Automation Is No Longer Optional
Sessions like The Automation Journey and DIY Coding Lab made one thing clear: automation isn’t about replacing people—it’s about reclaiming their time for higher-value work.
HealPay’s omni-channel platform and AI-powered Assist IVR let teams automate predictable interactions while maintaining human oversight, boosting productivity and compliance simultaneously.
3️⃣ Compliance as a Growth Engine
Compliance as a Growth Engine reframed the annual “compliance burden” as a competitive advantage. When documentation, vendor oversight, and audits are automated and audit-ready, compliance becomes a trust-building sales tool.
That’s exactly how we view compliance at HealPay—as a lever for credibility, not a checkbox.
4️⃣ AI + Human Insight = The New Workforce Model
From There Is No Substitute for the Right Tool to The Talent Blueprint, speakers explored how AI can empower—not replace—collections teams. Agencies using AI responsibly are seeing better consumer outcomes, stronger retention, and more efficient operations.
HealPay builds AI tools that augment human skill, ensuring every workflow remains transparent, traceable, and compliant with FDCPA, GLBA, and Reg F.
5️⃣ The 24/7 Consumer Expectation Is Here
Dear Collection Agency, Please Make It Easy For Me! perfectly captured the modern consumer mindset: resolution should be possible anytime, anywhere.
HealPay’s self-service portals and Assist workflows make that a reality—enabling 24/7/365 resolution while protecting consumer data and maintaining compliance across every channel.
✳️ Reinvention Is the Real ROI
Across every session—from The Yellow Brick Road to Reinvention to The Effortless Audit—the message was clear: modernization is about mindset. Agencies that align people, process, and technology will lead the next chapter of collections.
HealPay’s mission is to make that reinvention possible—through configurable tools that simplify compliance, empower consumers, and help teams recover smarter, not harder.
