LatestMarket Insights·
Tax Consequences of Settling Business Debt
A settlement discount can arrive with a tax bill the customer never priced in, and a Form 1099-C may never show up to warn them.
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Inside commercial collections.
Analysis of the systems, decisions, data, and outcomes that shape commercial receivables.
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Article Archive
09 / 19- 02Market InsightsMarket Insights·
The Bond Market Just Repriced Your Customers' Credit Lines
Treasury yields just posted their sharpest weekly jump in years. The customers quietly stretching your payment terms may be financing themselves with the difference.
- 03Market InsightsMarket Insights·
America Is Building Factories Again
Factory announcements keep piling up while manufacturing construction spending runs 22% below last year. The gap between the two is where a supplier's receivables risk actually lives.
- 04Market InsightsMarket Insights·
The Fed Just Reversed Course.
A higher prime rate makes receivables gaps more expensive to bridge while cost pressure gives customers another reason to pay later.
- 05Market InsightsMarket Insights·
Business Bankruptcies Just Hit Their Fastest Pace of the Year
Business bankruptcy filings are accelerating, especially among smaller companies. The first warning often appears in payment behavior long before it reaches a court docket.
- 06WhitepaperWhitepaper·
The 30-Day Tipping Point
Why Small-Business Late Payments Are Surging in 2026 — and How Professional Collections Turns Overdue Invoices Back Into Cash
- 07Decision GuideDecision Guide·
Sell the Receivable or Place It for Collection
A debt buyer purchases the receivable and collects for its own account. A collection agency works it on placement while the creditor keeps the economic interest. The difference is ownership, control, timing, and what the account still asks of your team.
- 08FundamentalsFundamentals·
What Is a Trust Account? How Collection Agencies Handle Client Funds
A collection agency tells you your money is in its trust account. Here is what that account is, why agencies use one, and what the separation actually changes.
- 09ProcessProcess·
Where the Accounts Receivable Collection Process Breaks Down
Companies with disciplined follow-up still lose money on receivables, because information breaks down at the handoffs between systems and between organizations.
- 10PerspectivePerspective·
Collection Agency Fees and Rates for Commercial Debt
Commercial collection agency fees commonly run from 15% to 45% of recovered funds. The account and the result matter more than the quoted percentage alone.