Kaulkin Ginsberg's Blogs

Breaking Down the New York Fed’s Q1 Report on Household Debt and Credit

June 6th, 2016

The Federal Reserve Bank of New York recently released its Q1 2016 Household Debt and Credit Report. Kaulkin Ginsberg examined this data and highlighted a few observations with an eye to ARM. Mortgage Mortgage debt accounted for the largest portion of total debt in Q1 2016, growing 23 basis points from Q4 2015. Although this Read More

China’s Non-Performing Loans Revisited

June 2nd, 2016

Almost two years ago, Kaulkin Ginsberg wrote that there were potentially sizable, albeit risky, collection opportunities in China. Since that blog, China’s non-performing loan (NPL) market has grown substantially and caught the eyes of notable investors – such as Wilbur Ross, chairman of private-equity firm WL Ross & Co. – and reporters in the U.S. Read More

What’s Causing the M&A Slowdown?

June 1st, 2016

The decline in mergers and acquisition activity in the U.S. ARM industry is mirroring levels within the broader middle market. But these drop-offs are happening for entirely different reasons. Mergers & Acquisitions first reported a slowdown in August 2015. The year-end totals dropped by 200 transactions when compared to 2014, with 167 fewer deals closing Read More

Four Trends that Signal Growth in the Financial Services Industry

May 6th, 2016

The Great Recession hit the financial services industry – and the ARM companies that serve it – the hardest. Even now, this segment is still recovering; new regulatory policies are forcing banks to shift some of their focus toward compliance, taking resources away from business-growing practices. However, there’s good news. Although financial services seems depressed Read More

The International Collectors Group Continues to Add Value for ARM

May 5th, 2016

Last week, the largest accounts receivable management firms from around the world gathered for the annual International Collectors Group meeting. First-time attendees networked with established members who are the leaders of the oldest and largest debt collection and debt buying operations in the entire industry. ICG is the one invitation-only gathering that consistently brings global Read More

Don’t Get Burned By Your Insurance

May 3rd, 2016

By: Rozanne Andersen, Vice President and Chief Compliance Officer, Ontario Systems Reading the fine print of your company’s errors and omissions (E&O) insurance policy is about as interesting as reading a mutual fund prospectus. The font is small, the text is nuanced, the subject is boring, and, in most cases, exclusions abound. Even the most Read More

Out of the Darkness Walks

April 20th, 2016

I recently learned that a person commits suicide about every 12.3 minutes in the United States. That’s 42,773 Americans a year. This is a staggering statistic. Experts say the best way to prevent suicide is through early detection, diagnosis, and treatment of depression and other mood disorders. Unfortunately, we often don’t learn that someone is Read More

It’s Time to Rewrite Dodd-Frank

April 14th, 2016

Many Republicans and ARM executives believe overhauling the Dodd-Frank Act is long overdue. They’ve questioned the CFPB’s constitutionality since its creation. This is not a new topic, but it will continue to be highlighted throughout the election year. However, recent developments in the courtroom also have democratic presidential candidates questioning the Act’s effectiveness, raising the Read More

Laugh a Little More Loudly This Month

April 7th, 2016

I just learned that April is National Humor Month. I hope we celebrate humor in the workplace and in our lives more than one month every year. I think humor should be a part of our daily routine and we should try to see the lighter side of a situation whenever possible. I am not Read More

Getting Your Company Ready for the Big Dance

April 6th, 2016

If you’re like most business owners, you have fantasized about what it would be like to sell your business for a big pile of cash and hand the keys over to the next guy. Maybe you heard that a competitor sold out and it triggered thoughts of what it would be like for you to Read More


Possible H-1B Visa Reform on the Horizon will Impact the ARM Industry

February 24, 2017

Human capital is a crucial aspect of efficient and innovative business processes, as well as a country's long-term growth potential. As such, the implications associated with changing the existing H-1B visa program structure will have far reaching consequences on all industries, including the outsourced business services. ....

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Establishing Value Before Going to Market

February 1, 2017

Kaulkin Ginsberg recommends business owners establish a realistic value for their business before going to market. This ensures we are on the same page with our clients, and avoids causing undo stress to the management team by starting and stopping a sale process....

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Check Payments: A Dying but Meaningful Market

January 19, 2017

Before the 21st century, collecting bad checks was one of the largest sources of new business for debt collection agencies. Innovations in fintech are continually changing consumers' transaction modes through the use of advanced technologies like mobile payment systems, and checks are becoming increasing rarer as a means of noncash payments. We examine trends within checking and discuss how changes in this market will affect the ARM industry. ....

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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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Spring 2017 Research Fellowship Program Analyzes International Outsourced Business Services

February 1, 2017

Kaulkin Ginsberg, the leading consultancy and M&A advisory firm for the outsourced business services (OBS) industry, began the eighth semester of its Research Fellows Program on January 30th in conjunction with the University of Maryland, College Park's Department of Economics. Fellows will be analyzing and developing market research reports on the German, U.K., Australian, and Canadian OBS industries, with a particular focus on collection agencies and call centers.....

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Kaulkin Ginsberg Releases the Healthcare RCM Overview

November 1, 2016

This report provides analyses of the current and anticipated challenges facing the healthcare market, trends facilitating growth, and an outlook for the future.....

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