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Eleventh Circuit Vacates Dismissal of FDCPA Case and Finds that Wasted Time and Emotional Distress Can Confer Article III Standing

In an unpublished, per curiam decision, the Eleventh Circuit found that wasted time and loss of sleep can confer Article III standing. See Toste v. The Beach Club at Fontainebleau Park Condominium Assoc., Inc., et al., No. 21-14348, 2022 WL 4091738 (11th Cir. Sept. 7, 2022). In Toste, the plaintiff fell behind on his monthly payments to his condominium association and the matter was referred to the defendants for collection. The defendants first attempted to collect the debt by threatening to file a claim of lien against the plaintiff’s condominium and then filed a claim of lien and threatened to foreclose on it if the plaintiff did not pay more than $10,000 in past-due association fees, interest, late fees, attorney’s fees, and costs.

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How an Empathy-First Strategy Can Improve Your KPIs

When companies focus too much on collections and not enough on their customers' situation, it inevitably leads to friction. You don't have to choose between empathy and results. 


In this new whitepaper from Allsec Technologies, find out how a leading credit card issuer implemented an empathy-driven, ROI-boosting collection strategy through segmentation analytics, which helped them minimize friction, and reduce accounts on the ‘Do Not Call’ list, customer delinquencies, and roll rates.


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insideARM is grateful to our 2022 Strategic Supporters:

NCB Crown Asset Management Spring Oaks Capital TransUnion Provana

Three Tips for Successful Automated Debt Collections (sponsored)

Automation, artificial intelligence and machine learning are at the forefront of the continued digital transformation within the world of collections. And organizations from across industries — including healthcare, financial services and the public sector — are learning how automation can improve their workflows and collection efforts.

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State Attorney General Calls on CFPB to Heed Fifth Circuit’s Ruling in Community Financial Services Association of America

In response to the Fifth Circuit’s ruling in Community Financial Services Association of America, Ltd. v. Consumer Financial Protection Bureau (CFSA) that the Consumer Financial Protection Bureau’s (CFPB) funding mechanism is unconstitutional, West Virginia Attorney General Patrick Morrisey sent a letter on October 24th to the CFPB, calling its continued operations into question and foreshadowing potential state challenges to its actions. While some state AGs and financial regulators are likely to help offset any reduction in CFPB activity through their own investigations and coordination with the CFPB, the dark cloud of the CFSA opinion hangs over the agency.

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Compliance From the Top Down: An Interview with TCN

The last two years have affected a lot of change in the call center industry. Working from home has been normalized, consumers are demanding more flexible contact methods, and tax-time hasn’t been the dependable boon it’s been in the past.

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National Creditors Bar Association, President Steve Markoff, Swear in New Board at Tampa Conference

SARASOTA, Fla. -- The National Creditors Bar Association (NCBA) held its annual Fall Conference in Tampa, FL October 26-28th with more than 800 attendees.  Steve Markoff of Markoff Law LLC, Chicago, IL, continues his term as President of NCBA and swore in new officers to its Board of Directors including President-Elect Barbara Nilsen of Blitt & Gaines, P.C., Vernon Hills, IL, who will become President next October, 2023.  The full list of NCBA Board members can be found on the NCBA website.

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CFPB Responds to Fifth Circuit Ruling that its Funding Mechanism is Unconstitutional

The CFPB has told two courts, an Illinois federal district court and the Ninth Circuit, that the Fifth Circuit panel decision holding that the Bureau’s funding mechanism is unconstitutional is “neither controlling nor correct” and “mistaken.”

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How to Launch an Omnichannel Collection Strategy

16 November 2022 at 02:00 p.m.

As the number of channels consumers use increases, an omnichannel collections strategy is now a necessity, not a luxury. But launching a real omnichannel strategy can be difficult, especially if you’re new to digital collections.


There are complications, like adding new technology to support your strategy, understanding the regulations for each contact method, and creating a tailor-made plan to contact consumers based on their preferences.

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