Kaulkin Ginsberg's Blogs

Faltering Banks Create Challenges for ARM Companies

September 1st, 2009

While the economy may be showing early signs of stabilizing, the banking industry continues to worsen.  In data released late last week, federal regulators added 111 troubled banks to their endangered species list, bringing the total number to 416.  This amount is up nearly 4 fold from a year ago, despite the trillions of dollars Read More



Summer Vacation: A Real Break, or Change of Scenery?

August 24th, 2009

Taking time off in the summer is as common as the common cold. Just as the change of seasons brings on the sniffles for many of us, the summer months are a time to pack up our cars and leave our office behind, heading out for some fun and sun. Some of us head out Read More



With the Economy Still on Life Support, How are Your Recoveries?

August 14th, 2009

Economic results are out for July and the results are mixed at best. Consider the following updates: The unemployment rate slid from 9.5% to 9.4% prompting the Federal Reserve to voice optimism that the long decline of the US economy appears to have ended. The housing market is still slow, with a record number of Read More



ASK THE EXPERTS: Starting or Locating A Small Collection Agency

August 14th, 2009

Ask the Expert is an interactive section where readers can ask direct questions to the experts at Kaulkin Ginsberg, the leading strategic advisors to the ARM industry – and a sister company of insideARM.com — as well as other seasoned industry executives. Question: I am an experienced ARM industry executive and I have been thinking Read More



Six Growth Strategies for ARM Firms in a Down Economy

July 16th, 2009

Collection professionals are confiding in me that they have never experienced a collection environment like this before. “When is it going to get better?” they ask. “When will the economy improve?” “How do I grow my business in this recession?” Tough times call for a creative and thoughtful business strategy. Consider the following strategies as Read More



Creative Financing for Debt Buyers

July 1st, 2009

I just returned from the DBA Executive Retreat, where I participated in a panel discussion regarding creative ways in which debt purchasing companies can access debt and equity financing to purchase portfolios. Here are some common themes that were discussed regarding the best types of financing and how to go about accessing it: Financing options Read More



Auto Dealerships Close, A Mixed Bag for ARM?

May 15th, 2009

The proverbial “other shoe” has dropped and it has made a loud thud as the auto makers prepare to close dealerships across the US. This will have profound effects on the US ARM industry. Here are the cold, hard facts: Yesterday, Chrysler named the 789 dealerships that it will be pulling out of over the Read More



Q1 2009 Credit Card Sector Performance

May 8th, 2009

Two weeks ago I discussed in detail the credit card sector’s liquidation performance and portfolio pricing ranges in the first quarter of 2009 during KGC’s Executive Conference Call. In Q1 2009 the credit card sector experienced a liquidation decline between 25% and 50% compared with Q1 2008 results, with the earlier stage paper (fresh and Read More



Follow Mike Ginsberg on Twitter at the CRS Conference

May 6th, 2009

Mike Ginsberg, president and CEO of ARM advisory firm Kaulkin Ginsberg, will be giving the industry keynote address at Collection and Recovery Solutions 2009 in Las Vegas. The conference starts Wednesday May 6. Mike will be updating readers in real time for the next couple of days using Twitter. He’ll be sharing his opinions on Read More



Tactics for Surviving and Thriving in this Volatile Market

May 5th, 2009

I had the pleasure of speaking at the Mid-Atlantic ACA Collectors Unit meeting in Baltimore a couple of weeks ago for the second year in a row.  The topic I covered this year was “Special Challenges for the Small Agency – Solutions for Surviving and Thriving in Today’s Economy.”  (you can view the presentation slides Read More



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