In the classic movie “The Wizard of Oz,” Dorothy steps out of her house after experiencing a tremendous storm and says, “Toto, I’ve got a feeling we’re not in Kansas anymore.”  The same revelation applies to the collection industry, which has been weathering severe social and economic conditions.  As your collection organization emerges from the other side of this storm, you will be stepping into a dramatically altered collection environment.  Welcome to our new reality.

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