Kaulkin Ginsberg's Blogs

Getting the Business in Order before a Sale is Contemplated

January 9th, 2017

Getting the business ready for a sale can be a strenuous and time consuming process, especially if it is rushed. We recommend taking your time with this process over several years as you address financial, legal and organizational planning.



The Results of the Department of Education Unrestricted Contract Raised More Questions than Answers

December 23rd, 2016

Mike Ginsberg, President & CEO of Kaulkin Ginsberg, recently discussed the impact of the recent award of the unrestricted Department of Education debt collection services contract with Federal Government contract expert Randy Kamm, Principal of Collection Quotient Consulting.



The Credit Card Spending Myth

December 16th, 2016

Will deregulating the financial services industry lead to increased credit limits and utilization? Our analysts examine revolving credit trends over the last 14 years to determine what, if anything, deregulation means for the ARM industry.



Podcast: Candid Conversation on Critical Compliance Opportunities for ARM Companies

December 14th, 2016

Mike Ginsberg and Rozanne Andersen discuss some of the most important compliance related topics affecting ARM companies in today’s market including the CFPB’s new rules under consideration, credit reporting trends, TCPA rulings, and what to look for in 2017.



Proposed Tax Law Changes Could Impact Expansion Strategies – Part 3

December 13th, 2016

Charles Postal, a founding partner of Topline Valuation Group and Managing Partner of accounting firm Santos, Postal & Company, P.C. examines certain business tax proposals and what to expect for the remainder of 2016 in the final entry of this three-part series.



U.S. Employment and Labor Force Analysis

December 12th, 2016

Kaulkin Ginsberg’s team analyzes the Bureau of Labor Statistics latest release on the employment statistics and the labor force, and the effect these trends will have on the ARM industry.



Proposed Tax Law Changes Could Impact Expansion Strategies – Part 2

December 8th, 2016

Charles Postal, a founding partner of Topline Valuation Group and Managing Partner of accounting firm Santos, Postal & Company, P.C. examines the potential effects of President-elect Donald Trumps campaign, tax, and public policy proposals in part two of this three-part series.



Proposed Tax Law Changes Could Impact Expansion Strategies – Part 1

December 7th, 2016

Charles Postal, a founding partner of Topline Valuation Group and Managing Partner of accounting firm Santos, Postal & Company, P.C. examines the potential effects of President-elect Donald Trumps campaign, tax, and public policy proposals in this three-part series.



Millennials Are Reshaping the Housing Market (and for the Better)

November 22nd, 2016

Millennials and Gen Xers are reshaping U.S. industries to meet their preferrences and demands just like the previous generations that came before them. These decisions are having a profound effect on housing and other areas of the consumer debt market. How will they effect the ARM industry in the years that follow?



Is The Tide Turning for ARM Companies focused on Financial Services?

November 17th, 2016

Is the financial services segment of the ARM industry preparing to regain its prominence under the Trump administration? If this weeks acquisitions are any indication, then all signs point to "yes".



LATEST BLOGS

Perception Metrics and Their Effect on the ARM Industry

May 25, 2017

While being able to quantitatively assess the health of the U.S. economy is great, most experts agree that other more qualitative factors are just as important. In fact, some experts believe that perception alone may be enough to influence the health of the economy since it directly relates to their spending and saving levels. ....

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A New Debt Milestone in Q1 2017 (But Not Really)

May 24, 2017

Some news outlets have started reporting that total consumer debt has finally surpassed its previous peak, which was during the Great Recession's height, and have even suggested that the newly released data might imply that we're on the verge on another downturn. However, these outlets are ignoring a number of important factors that suggest consumer debt levels and the potential for an economic downturn are not so dire....

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Semiannual Wealth Outlook: Collection Liquidation Results May Improve Amidst Positive Wage and Disposable Income Trends

May 18, 2017

When analyzing the economy and its interaction with the ARM industry, wealth-related economic metrics may be the most important indicator for growth. At its core, the economy is healthy when individuals, on average, are earning and spending more money, and economic livelihood is expanding, while the ARM industry is strongest when collection liquidation results are on the rise. As such, it makes sense that wealth metrics are the perfect tool for analyzing the strength of the economy and ARM industry....

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RECENT ANNOUNCEMENTS

ACA of Texas Publishes "Three Critical Healthcare Industry Trends for Outsourced Business Services" in its Winter 2017 Magazine

March 16, 2017

The ACA of Texas Publishes "Three Critical Healthcare Industry Trends for Outsourced Business Services" by Kaulkin Ginsberg in its Winter 2017 Magazine. Kaulkin Ginsberg details its belief that the growth in patient lending and financing programs, clinical integration networks, and physician quality reporting systems for the Centers for Medicare and Medicaid Services (CMS) could have profound effects on companies focused on servicing healthcare providers in 2017 and beyond.....

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ACA of Texas Publishes "M&A Trends in the U.S. ARM Industry" in its Winter 2017 Magazine

March 15, 2017

The ACA of Texas Publishe "M&A Trends in the U.S. ARM Industry" an article by Kaulkin Ginsberg in its Winter 2017 Magazine. This article examines the key trends and developments driving M&A activity in the U.S. ARM industry by market segment.....

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Mike Ginsberg Leading Panel Discussion at DBA International 20th Anniversary Conference

February 1, 2017

Mike Ginsberg, President and CEO of Kaulkin Ginsberg, will be speaking in a panel discussion on Trends in Debt Buying on Wednesday, February 8th at the DBA International 20th Anniversary Conference in Las Vegas, Nevada....

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