Better Debt – Details, episodes & analysis

What happens when a leading third-party collections partner joins forces with an enterprise-grade collections decisioning software provider ? Following InDebted’s recent acquisition of Receeve, this conversation explores how the two companies’ strengths complement each other to create something uniquely powerful in the collections space.

InDebted CEO Josh Foreman and Receeve Founder Paul Jozefak discuss:

• Next-generation collections: Building an enterprise platform that automates and visualises the entire collections process, moving beyond simple communication tools
  
  
• AI and automation: Why both companies prioritised AI capabilities from day one, and how this shared vision will help drive stronger performance at lower cost
  
  
• Complementary capabilities: Uniting Receeve’s first-party collections software with InDebted’s proven digital collections expertise to serve clients across the entire collections lifecycle
  
  
• Enterprise innovation: How enterprise organisations can take quantum leaps ahead in modernising their collections through smart orchestration layers that work with existing infrastructure, not against it
  
  
• Future opportunities: The potential to expand into managed services, responding to growing market demand for flexible, hybrid collection solutions

Welcome to the Better Debt Series, where — you guessed it — we’ll be talking all things related to making debt collection better.

Recent developments in politics and regulatory frameworks are creating new considerations for the US collections industry. From Trump's return to the presidency to New York City's new debt collection requirements, organisations face both challenges and opportunities. But what do these changes mean for consumer outcomes and operational innovation?

In this timely discussion, InDebted's CEO and Founder Josh Foreman, and Chief Risk and Compliance Officer Laura White, share insights into:

• The power shift between federal and state regulators, and how this impacts collections strategy across different jurisdictions
  
  
• How new technologies could revolutionise consumer experiences — if regulations can keep pace with innovation
  
  
• Why well-intentioned consumer protection measures might actually be driving worse outcomes, and how to address this disconnect
  
  
• Critical lessons from markets where principle-based regulation is enabling better consumer outcomes and more innovative solutions

Welcome to the Better Debt Series, where — you guessed it — we’ll be talking all things related to making debt collection better.

Implementing new and innovative collections solutions is a big leap for many organisations. But there’s no time like the present, and customer preferences are clear - digital, personalised solutions are here to stay.

By diversifying your collections operation, you can improve your customer experience, minimise risk, and innovate your collections - all while maximising your recoveries to new heights.

Learn from someone who’s done it all before, as Justin Parker from 2nd Order Solutions (previously, Upstart, SoFi, Synchrony and CitiBank) joins this episode of Better Debt to share how you can:

• Vendor selection: How to know when it’s the right time to partner with an external agency, screen potential partners for alignment to your values & business goals, or diversify your existing collections panel to bring fresh expertise and try new ways of engaging customers
• Vendor management: How to drive performance through KPIs and healthy competition such as scorecard methodology for your collections partners
• Vendor strategy: How to implement a champion/challenger approach to put your existing suppliers to the test and compare digital and traditional channels

Watch the live recording of the episode here. 

#CollectionsPanel #Recoveries #BetterDebt

Welcome to the Better Debt Series, where - you guessed it - we’ll be talking all things related to making debt collection better.

Welcome to the Better Debt Series, where — you guessed it — we’ll be talking all things related to making debt collection better.

Most banks are required to have a program in place to comply with APRA's updated CPS230 standards from July 2025. But what does this mean for collections departments? In this Better Debt episode, we explore how the need to scale with resilience applies to both in-house teams and external agencies.

Join our host Josh Foreman (CEO & Founder, InDebted) alongside industry leaders David Malcolm (Risk Management Specialist, PwC Australia) and Poli Konstantinidis (Industry SME, Previously Experian & Latitude) to unpack:

• The key themes of CPS230 and why it's relevant to collections
• The customer experience and business benefits of scalability in operational resilience
• How collections departments and external agencies can leverage technology to get ready for the new standards
• Key market trends today, and their alignment with CPS230


Watch the live recording of the episode here. 

#CPS230 #APRA #FinancialServices

Welcome to the Better Debt Series, where — you guessed it — we’ll be talking all things related to making debt collection better.

Where do you start with implementing AI in Financial Services? Get the download from industry experts Josh Foreman (CEO & Founder, InDebted), Mike Zhou (Chief Data Officer, InDebted), Jo Mikleus (AI Strategic Advisor & Non-Executive Director) and Duhita Khadepau (Senior Manager - Enterprise Data, Cuscal Limited) on:

• The differences, distinctions and applications of machine learning, data science and AI 
• Aligning ML and AI strategy to your business goals
• Innovating and de-risking within highly regulated environments
• Wins and setbacks from implementing AI and machine learning - what has our panel learnt along the way?

Watch the live recording of the episode here. 

#AI #MachineLearning #AICollections

Welcome to the Better Debt Series, where — you guessed it — we’ll be talking all things related to making debt collection better.

Learn how scaling experts Klarna built their collections function from the ground-up to take their collections across continents. Live in 45 countries for over 150 million active customers, hear from Jan Hansson, their VP Collections to uncover:

• Lessons from building a collections function from the ground-up
• How to scale collections across continents with different regulators, consumer preferences and multiple providers
• Consumer differences across regions and how to apply these insights into your multi-market operations
• How growing fintechs can sift through financial services providers to find a partner that meets your needs now, and in the future

Watch the live recording of the episode here. 

#Klarna #Fintech #DebtCollection

Welcome to the Better Debt Series, where — you guessed it — we’ll be talking all things related to making debt collection better.

Unpack what the shifting macroeconomic environment in the United States means for both creditors and collections. Joined by Transunion's Dan Simmons, this episode explores:

• TransUnion’s trusted macroeconomic data, diving into key trends shaping the current climate
• What's happening in the unsecured credit market across product types, balances and delinquencies
• What this all means for the customer experience creditors and collectors need to provide, when savings are low and households are stretched
• and the question on everyone's minds - is a recession still coming, and if so, what market signals should you be keeping an eye on?

Watch the live recording here.

#USEconomy #USCollections #DebtCollection

Welcome to the Better Debt Series, where — you guessed it — we’ll be talking all things related to making debt collection better.

Discover the possibilities of AI and collections with Resurgent's Kristyn Leffler (VP, Digital Strategy & Operations), Josh Foreman (CEO & Founder, InDebted) and Tim Collins (General Counsel, InDebted). 

Unpack: 

• The possibilities of AI in collections, from training to customer experience and even AI agents;
• How your business can adapt to these new technologies, and;
• We’ll explore the ethical and regulatory considerations of AI within the collections industry. 

Now, it’s more important than ever to understand how AI will transform collections as we know it.

Watch the live recording of the episode here.

#indebtedAI #betterdebt #indebted #debtcollection #ai

Welcome to the Better Debt Series, where — you guessed it — we’ll be talking all things related to making debt collection better.

Digital transformation is reshaping collections, and organisations across the industry are adapting to stay competitive. From debt buyers to law firms, and third-party agencies to fintech companies — everyone's asking the same questions: How do we modernise effectively? When should we do it ourselves versus outsource and partner? And how do we maintain compliance while improving the customer experience?

In this insightful discussion, Mike Cassidy, COO of Velocity Portfolio Group, joins Josh Foreman, InDebted's CEO and Founder and Brad Bone, Managing Director (US) at InDebted, to explore:

• How emerging technologies like AI could transform both consumer experience and operational efficiency — and why establishing clear guardrails will actually accelerate innovation by giving organisations the confidence to adopt these tools safely

• Why education and understanding of new technologies is crucial before implementation, with real insights from industry leaders on what's working (and what isn't)

• RMAI's crucial role in industry education and advocacy, with Michael Cassidy sharing his vision as candidate for the RMAI Board of Directors

• Making the most of your data assets through strategic partnerships, and why trying to build everything in-house might be holding you back

Welcome to the Better Debt Series, where — you guessed it — we’ll be talking all things related to making debt collection better.

How is AI transforming debt collection in the US and Canada — and what challenges and opportunities lie ahead?

In this episode of Better Debt, InDebted CEO & Founder Josh Foreman is joined by Dave Hanrahan (CEO & Co-founder, Kredit), Tony Pampena (President, CBV Collection Services & 2nd VP, RMA Canada), and Mike Zhou (VP Data & AI, InDebted) to explore how AI is reshaping contact strategies, compliance, and performance across North America.

They discuss:

• Apple’s iOS 26 AI call screening and what it means for declining right-party contact rates in voice-heavy strategies
  
  
  
• The rise of AI voice agents and how hybrid human-AI models are driving efficiency and better customer engagement
  
  
  
• Practical use cases for predictive analytics to improve segmentation, timing, and repayment outcomes
  
  
  
• The role of omnichannel outreach — SMS, email, and voice — in building trust and adapting to shifting consumer preferences
  
  
  
• Guardrails for responsible AI adoption, from internal governance frameworks to explainability and QA
  
  
  
• How regulation is lagging behind in both the US and Canada — and what operators can do now to stay ahead
  
  
  
• The future of collections talent: how roles will evolve as AI takes over routine tasks, freeing teams to focus on higher-value work

Welcome to the Better Debt Series, where — you guessed it — we’ll be talking all things related to making debt collection better.