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Ninth Circuit Affirms Dismissal of TCPA Case Involving Text Messages Holding “Prerecorded Voice Messages” Require Audible Component

On August 8, a unanimous panel of the Ninth Circuit issued a decision affirming a district court’s partial dismissal judgment entered in Trim v. Reward Zone USA LLC, holding that text messages did not use prerecorded voices under the Telephone Consumer Protection Act (TCPA) because they did not include audible components.

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Give consumers what they want. 

88% of consumers expect self-service options from financial services companies. Collections agencies are no exception. Voice AI lets consumers take care of their delinquent accounts any time, anywhere, and without any human interaction. Plus, it reduces the cost-to-collect for agencies, and it majorly boosts account penetration. 


Learn how to integrate voice AI technology into your collections strategy now. Download the whitepaper now.
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What is Account-to-Person (A2P) Messaging?

In today's digital era, effective communication is crucial for debt collectors, looking to maximize their recovery rates. Account-to-Person (A2P) messaging has emerged as a game-changing tool in engaging with consumers and streamlining debt collection processes.

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A Peek at the Disturbing Fine Print of a Debt Settlement Contract

Those of us who have witnessed the frustration of consumers who have paid money to a debt settlement company only to find out their debt hasn’t actually been paid down may have wondered how the consumer got there. Were they tricked? Or did they understand what they were signing up for? A party to one of these agreements recently shared the complete process and unredacted debt settlement agreement with me. The fine print was shocking. Though this can only be directly tied to one debt settlement company, I suspect this agreement is not unique.

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LJ Ross Associates Partners with Skit.ai to Leverage Voice AI for Call Automation and Compete with Larger Agencies Across All States

NEW YORK, NY -- Skit.ai, the leading conversational voice AI solution provider in the ARM industry, announced today its strategic partnership with LJ Ross Associates, a 30-year-old collection agency successfully managing revenue recovery programs. The partnership with Skit.ai provides LJ Ross Associates with a unique competitive edge, enabling seamless scalability and agile, efficient operations fueled by state-of-the-art voice AI technology.

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If Consumers are “Clueless” About Arbitration, it’s Not Industry’s Fault

On July 26, 2023, Professor Jeff Sovern of St. John’s University School of Law published a blog post discussing a new empirical study by Roseanna Sommers, Assistant Professor of Law at the University of Michigan Law School, dealing with consumer understanding of predispute arbitration agreements.  According to Professor Sovern, the Sommers study augments his earlier (2014) study of this subject and confirms that “consumers are generally unaware of whether their contracts contain arbitration clauses, and consumers who have agreed to such clauses tend to hold mistaken beliefs about their procedural rights ….” This week, in a follow-up blog post concerning the Sommers study, Professor Sovern asserts that consumers are “clueless” about arbitration opt-out provisions because companies use “dark patterns” on their websites to mislead them.

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Tara Malcolm Promoted to Vice President of Operations at Coast Professional, Inc.

Geneseo, NY – Coast Professional, Inc. (Coast), a leader in the accounts receivable management and contact center industries, proudly announces the promotion of Tara Malcolm to the position of Vice President of Operations. With two decades of industry experience, Ms. Malcolm's unwavering dedication and leadership have been instrumental to the company's success.

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Work Smarter, Not Harder - Compliance Sells! The Intersection Between Compliance and Sales

TODAY! August 22, 2023 at 02:00 p.m.

Compliance sells. Sure, your organization gets a chance to talk about its compliance program in response to questionnaires, but are your salespeople armed with this information? Do you have compliance and sales working together so salespeople can tell prospective clients what sets your organization apart and how you’ll help them increase numbers AND protect their brand?

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