Receivables Podcast | Discussions About Debt Collection
Jul 2, 2026 · 29 min · 11 segments
Recovery has always been a numbers game. But what happens when the numbers start moving in opposite directions? Delinquencies are climbing, recovery rates are slipping. And across the industry…
Adam ParksHost
Will WeidmanGuest
But for today's topic, we had this vision in the survey last year for the TransUnion survey where we saw an expectation in the increase of accounts and a decrease in the liquidation capabilities of those same accounts.
And at the same time, we've got a regulatory environment that has not been as favorable as one might expect given the current situation at the CFPB, but that has emboldened and empowered the states to start creating this patchwork.
As a software provider for creditors, I can imagine that all of those are your problem.
So starting on the volume side of things, right, that that inverse relationship between volume of accounts and liquidation is a challenge in every economic cycle that we face.
So we are seeing that increase in delinquencies, increase in charge-off coming through.
Just for context, we stood across about 65 million loans in the U.S. We have a pretty good cross-section of data that comes in.
So yeah, the delinquencies, charge-offs are rising, but it has gotten more challenging to collect on that.
And that's been going for probably a couple of years now, where it's just getting more and more challenging.
Like you said, doing more with less, as you see year over year, a 1% decrease in recovery rates.
It's really, really challenging issuers to think about their strategy, their approach.
From what channels they're using, what tools and technology they're using, how can they really innovate with that backdrop?
But for today's topic, we had this vision in the survey last year for the TransUnion survey where we saw an expectation in the increase of accounts and a decrease in the liquidation capabilities of those same accounts.
And at the same time, we've got a regulatory environment that has not been as favorable as one might expect given the current situation at the CFPB, but that has emboldened and empowered the states to start creating this patchwork.
As a software provider for creditors, I can imagine that all of those are your problem.
So starting on the volume side of things, right, that that inverse relationship between volume of accounts and liquidation is a challenge in every economic cycle that we face.
So we are seeing that increase in delinquencies, increase in charge-off coming through.
Just for context, we stood across about 65 million loans in the U.S. We have a pretty good cross-section of data that comes in.
So yeah, the delinquencies, charge-offs are rising, but it has gotten more challenging to collect on that.
And that's been going for probably a couple of years now, where it's just getting more and more challenging.
Like you said, doing more with less, as you see year over year, a 1% decrease in recovery rates.
It's really, really challenging issuers to think about their strategy, their approach.
From what channels they're using, what tools and technology they're using, how can they really innovate with that backdrop?
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