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Collections agencies are evolving from the financial stone age of dunning letters and manually dialed phone calls into an era more like drone combat. New collections techniques save labor and skirt rules of engagement. The inventive approaches surprise debtors and rile consumer advocates. But company managers contend their innovations actually benefit consumers as the industry performs its unpopular but necessary role. Debt collectors have long chafed at regulations that restrict how often they can call consumers, and require debtors’ consent to be called. New software lets collectors sidestep those rules, inserting voice mails into phones by the thousands without a ring. Technically the stealth communiqués aren’t calls at all, but messages sent to phone companies’ servers that show up as voice mails. Companies such as Stratics Networks maintain that because no phone calls are made, regulations prohibiting auto-dialed collections calls don’t apply. Attorney Billy Howard, of The Consumer Protection Firm in Tampa, Florida, disagrees.

For the original version including any supplementary images or video, visit http://www.marketwatch.com/story/watch-out-debt-collection-gets-inventive-and-high-tech-2017-05-01

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