Tuesday, August 6, 2013

Auditing And Compliance – The New Standard In Debt Collections

Debt collectors, in many instances, are not simply agencies that collect for a credit firm any longer.  Today, a debt collection notice is often from a firm that has already bought the debt at a discount rate and is now collecting as much of the originally owed amount as possible.  So long as the collection agencies make a certain profit margin, they prosper.  It is not difficult to imagine that buying debts and then recovering the money from individuals or other businesses can lead to questionable behavior.  For this reason, audits are a mandatory part of the collection business.

Voluntary Compliance

Companies voluntarily comply with these audits because it is a sign of ethical behavior on the part of the firm and will boost a collection firm’s reputation.  Collection businesses who participate in the compliance audit indicate thereby that they are actively pursuing constant improvement of their business practices.  Another benefit to collection firms is that they, as a group, will set standards in their business genre to be followed by others.

Audits Find Assets

Not only do collection firms undergo compliance audits.  They can also perform them on companies who owe them money.  When collection firms do audits, they can find any hidden assets as well as flaws and waste in the business’ daily operations.  By correcting waste, the business may gain enough assets that they become solvent once again.  This is one way of collecting a debt and helping a business to prosper at the same time.

Rules And Regulations


Collection companies have much to gain by complying with auditors.  They show that they are taking rules and regulation very seriously.  In general, audits were implemented for collectors to police themselves.  The regulations put forth function to set fair and ethical guidelines.  Because audits have become so much in demand, auditors from private companies, external auditors, perform the audits on a regular basis as well.  

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