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It’s estimated that 30 million people in the US alone have one or more debts in collections, and household debt is on the rise. Significant 90-day delinquencies come from credit cards, mortgages (plus associated lines of credit), student loans, healthcare and auto loans. While the collection industry is drawn by the significant activity of these potential revenue streams, we should recognize conflicting trends from declining collection rates, increasing regulation and growing automation.
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