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For many credit unions, the collections process still feels like a series of disconnected steps—calls, reminders, follow-ups, escalations. Each stage demands time, coordination, and persistence from staff who are already stretched thin. But from the member’s point of view, this fragmented approach can feel confusing, repetitive, and at times, impersonal. It’s time to reimagine collections not as a sequence of follow-ups, but as a continuous, guided journey—one that reduces fr

Every collections manager knows the moment when a once-reliable member stops answering calls, ignores emails, and slips from “a few days late” into a growing question mark. Early-stage delinquency is often when credit unions still have the best chance to help members get back on track—but only if they can reach them. The problem isn’t that members don’t want to resolve their debts. It’s that traditional outreach often fails to meet them where they are. The Silence Problem For

For collections managers at credit unions, the challenge isn’t just contacting members who are past due—it’s knowing where to focus limited time and resources. Traditional methods rely heavily on manual tracking and instinct, but in today’s environment of rising delinquencies and staffing gaps, intuition alone isn’t enough. That’s where data-driven collections comes in. From Information Overload to Actionable Insight Collections teams are surrounded by data—payment histories,