Kaulkin Ginsberg's Blogs

Mike’s Take: The Challenge for Student Loan Collections: Thoughts from NCHELP

April 11th, 2008

I’m fortunate to work with a team of advisors who are constantly participating in industry conferences and events – sharing their knowledge and keeping abreast of what’s going on across all sectors of the ARM industry. Paul Legrady was at the National Council of Higher Education Loan Programs (NCHELP ) Debt Management Conference last week Read More

Mike?s Take: Good News on M&A in the ARM Industry

April 7th, 2008

It is no secret that the US economy is having a significant impact on mergers and acquisitions overall. But the ARM industry is showing remarkable signs of resilience. Let’s take a look: Worldwide, M&A was beaten down considerably in the 1st quarter of 2008. In fact, it suffered the biggest quarterly decline in 6 years, Read More

Mike?s Take: How are economic times affecting your ARM business?

April 4th, 2008

You can’t pick up a newspaper these days without reading about the problems we’re experiencing in the U.S. economy. The ongoing effects of the sub-prime mortgage crisis, decreasing home sales and prices, the credit crunch, and a rising unemployment rate are all taking their toll on the economy in general and thus on credit and Read More

Fooling Around with Fees

April 1st, 2008

  By now, you probably heard the one about the collection agency based in NYC that defrauded its clients of more than $1.6 million. No, this is not an April Fools Day joke. Yesterday news broke that the Manhattan District Attorney charged two New York City men with collecting more than $1.6 million on behalf Read More

Is the FTC Acting More Fairly Toward Collectors?

March 27th, 2008

For those of us who have been in the ARM industry for a while, it does not seem imaginable, but it happened twice in the past week; the FTC acted favorably toward bill collectors. Yesterday, insideARM Editor Patrick Lunsford reported that the FTC quickly ruled that it is not a violation of the FDCPA for Read More

Getting Current on Pricing in the U.S. Credit Card Debt Purchasing Market

March 26th, 2008

The U.S. debt purchasing market has experienced a significant increase in sales volume over the past six months, particularly within the credit card sector, which continues to generate roughly 80% of the total U.S. debt purchasing activity. The driver of this increased activity is a substantial reduction in portfolio prices across all stages of delinquency. Read More

Now that NCO Acquired OSI, Who?s Next?

March 20th, 2008

For anyone who has followed NCO over the past 15 years, it comes as no surprise that they were able to close and fund the OSI acquisition.  I can’t recall a transaction that Mike Barrist and his team announced that they were not able to close and fund.  Since then, I’ve been asked the same two questions repeatedly: “Are deals Read More

Debt Buyers and Sellers — Opportunity is Knocking Right Now

February 5th, 2008

If there has ever been an opportunity to convince small and mid size banks in your region to sell bad debt, now may be the time. Today on the front page of The Wall Street Journal is an article about banks tightening up their lending standards for businesses and consumers alike. The article states that Read More

The State of the Industry: What is Next for ARM?

January 29th, 2008

Every year at Kaulkin Ginsberg, we kick off the New Year with a retrospective on the past year’s milestone events and take a careful look at what we believe lies ahead for the accounts receivable management industry (ARM). Our goal as a firm has always been to share our perspective to support credit and collection Read More

Could the Department of Education Teach the IRS About Collections?

January 23rd, 2008

It was standing room only in D.C. at the Department of Education’s Pre-Solicitation Conference on January 22, as current contract holders, subcontractors, and next-round hopefuls crammed into the Barnard Auditorium, hoping to walk away with some insight or nugget of information that will help to land the next plum contract that is expected to be Read More


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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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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