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What kind of leader are you most like Captain Kirk, Richie Cunningham or Archie Bunker?

Archie Bunker from the 70’s sitcom “All in the Family” was known for not accepting change easily. He preferred to stay in his own world, even though the world was passing him by.

“If everything is good in the henhouse you don’t have to go out for eggs”.

He was fine watching the changes around him while trying as hard as possible to ignore them.

“He’s got some grand strategy that he can’t revulge.”

If you are like Archie as a CEO, then you are going to have some issues in the future as the industry continues to become more complex. As you add regulations and client restrictions to today’s intricate collection process you will need better tools, better people and better processes. If you are like Archie Bunker and not so willing to embrace technology and new ways of doing business, it is very likely that you will be left behind.

Maybe you are a […]


I remember when collections was simple. By Phillip W. Duff

Collections processes used to be simple but actual debt collections was not easy here is a great example of a payment process in the 80’s; The debtor, yes they were called debtors back then, agreed to send you 12 postdated checks for $56.11 each to pay his Shell Oil bill. You talked to him at his work so he had to go home to get the checkbook and write out 12 checks dated one month apart. Then since you created such a sense of urgency in getting the payment ASAP he goes to the Greyhound bus station with the checks. Remember this is before FED Ex, UPS, Express mail…

The debtor sends the 12 checks on Greyhound Package Express and it arrives 2 days later at our local Greyhound station for pick up after transferring from bus to bus. The collection manager drives to the bus station daily to pick up our […]



Collection software is application software, which in turn is referenced as follows in Wikipedia. “Application software (an application) is a set of computer programs designed to permit the user to perform a group of coordinated functions, tasks, or activities. Today’s collection software industry has developed over a period of about 30 years, with the first systems setting out to automate manual card systems. These systems also required solid front and back end processing for important areas like new business posting and client remittance statements.
As developers became more comfortable and users looked for more features, we saw the incorporation of dialers, third part interfaces and business rules into collection systems. In addition, most of these systems either ran on proprietary hardware and software, or on standard PC-based systems. Regardless, changes in computer technology forced vendors to make changes to keep up with those advances. Unfortunately, many vendors did not change their core technology design and advertised their ³hardware platform updates² as enhancements.
This did […]


Collection Bureau of the Hudson Valley, Inc. Ramp Up the Collection Rate

Collection Bureau of the Hudson Valley, Inc (CBHV) is a 3rd party collection and debt recovery agency based in Newburgh, New York, which runs campaigns for clients all across the

United States. CBHV has been a Quantrax customer and used their collections management system almost since it was developed in 1990. Running smaller campaigns and dialing in preview mode (a single account being retrieved when the agent is ready and screen-popped for his/ her approval), each agent had his own set of accounts to be followed up, and the system went through them one by one.

During the early 2000s, Sytel and Quantrax worked together to integrate the Sytel predictive dialer with the Quantrax collections software. This involved not only a tight software integration but also negotiation between quite separate systems; Quantrax on the IBM AS/400 (now known as the i5), Sytel on a standard Windows server. In the resulting integrated […]


Thoughts from a second-generation collection agency owner 

This is not a time for us to be trapped by compliance requirements at the expense of numerous competitive, legal and operational challenges we also face. Compliance is likely to be a moving target that makes us more reactive with every court decision. As those decisions are made, is it realistic to change with the winds to mitigate risk?

As we realize that many millennials are afraid to make traditional phone calls, there is a need to quickly create a new medium to interact with the consumers of tomorrow. Our focus should be on how we can move forward, reduce costs and increase productivity for tomorrow; embracing online, intelligent negotiation tools to allow today’s younger generation to interact with collection agencies in ways that they are comfortable, not intimidated by. When they become our singular source of revenue, we will hopefully all be experts in a medium that our competitors […]



In their efforts to be more productive, almost every collection software vendor has acknowledged the value of systems that transfer decision-making to machines. Their response has been to add features that have been described as business rules, strategies, tactics and workflow engines. These features offer greater productivity and advertise demonstrated results. We actually believe what they say!
Unfortunately, only one company had the vision to take this technology to its limits. We did not take small steps. We at Quantrax are proud to say we designed the first and only intelligent collection platform that can perform at the level of a human expert. It thinks, waits, mails, moves and closes accounts,   without any collector interaction.  It’s called RMEx and it’s proven technology with a track record of doing more with less people.


Collection Software That Incorporates Responsive Design Mobile Apps to Collect Payments from Consumers

Every technology company talks about being the best. They use terms like state-of the-art, but do they really incorporate modern technology such as responsive design mobile applications into their collection software?
Mobile computing has not only arrived, but in just a few short years has now matured to the point that tablet and smartphone sales are beginning to outpace PC’s and laptops. Yet, many software vendors have not kept up with the pace of these advances and still deliver software with consumer-facing tools that are cumbersome and inefficient when viewed from mobile devices and tablets. Consumers not only expect responsive mobile design from application they are required to interact with, they demand it! And if they are forced to endure a less than efficient responsive design, they abandon the site quickly.

In Responsive Mobile Application Design, the web pages the consumer interacts with are dynamic, and therefore are resized to display in the most optimal way based on the size of the […]