Utilities6 min read
Utility payment delinquency: Why a missed bill isn’t the same as a full default
Utility payment delinquency: Why a missed bill isn’t the same as a full default
IRIS Insights Blog
Collections operations, recovery strategy, and AI execution
Research-backed articles for collections leaders, receivables teams, and agencies evaluating how to scale recovery without adding headcount.
Healthcare5 min read
Healthcare revenue cycle collections: Closing the gap between billing and cash
Healthcare revenue cycle collections: Closing the gap between billing and cash
Auto Lending5 min read
BHPH collections demand empathy before repossession becomes inevitable
BHPH collections demand empathy before repossession becomes inevitable
Payment Psychology6 min read
Flexible payment plans debt collection: Designing offers that move the needle
Flexible payment plans debt collection: Designing offers that move the needle
Recovery & Leakage5 min read
Dormant Account Recovery: Turning Unresponsive Balances into Payable Opportunities
Dormant Account Recovery: Turning Unresponsive Balances into Payable Opportunities
Promise to Pay5 min read
Broken promise follow‑up collections: The hour‑by‑hour window that decides recovery
Broken promise follow‑up collections: The hour‑by‑hour window that decides recovery
Core Product5 min read
What voice AI debt collection sounds like on a live call
What voice AI debt collection sounds like on a live call
Operations6 min read
How to Scale Collections Without Adding Headcount: A Data‑Driven Playbook
How to Scale Collections Without Adding Headcount: A Data‑Driven Playbook
Compliance6 min read
FDCPA AI collections compliance: The three pitfalls that can sink your program
FDCPA AI collections compliance: The three pitfalls that can sink your program
Utilities5 min read
Why utility collections AI is the missing link to closing the seasonal recovery gap
Why utility collections AI is the missing link to closing the seasonal recovery gap
Healthcare5 min read
Patient billing collections require a different playbook than commercial debt collection
Patient billing collections require a different playbook than commercial debt collection
Auto Lending6 min read
Auto loan collections strategy: How to spot first‑payment defaults before they happen
Auto loan collections strategy: How to spot first‑payment defaults before they happen
Payment Psychology5 min read
Empathy in Debt Collection: Why Aggressive Tactics Miss Payments and Which Language Actually Works
Empathy in Debt Collection: Why Aggressive Tactics Miss Payments and Which Language Actually Works
Recovery & Leakage5 min read
Why collections recovery rate Is the Wrong Headline Metric — And Which Operational Number Actually Predicts It
Why collections recovery rate Is the Wrong Headline Metric — And Which Operational Number Actually Predicts It
Promise to Pay6 min read
Why Your Promise to Pay Tracking Software Must Be Structured, Not Just a Call Note
Why Your Promise to Pay Tracking Software Must Be Structured, Not Just a Call Note
Core Product5 min read
Agentic AI Collections Redefine Consumer Debt Recovery
Agentic AI Collections Redefine Consumer Debt Recovery
Auto Lending5 min read
Auto loan payment reminder AI should sound like a helpful co‑pilot, not a robotic alarm
Auto loan payment reminder AI should sound like a helpful co‑pilot, not a robotic alarm
Recovery & Leakage4 min read
How to Stop Collections Revenue Leakage Before It Becomes a Write‑Off
How to Stop Collections Revenue Leakage Before It Becomes a Write‑Off
Core Product6 min read
Automated Collections Platform: Why Automation Alone Isn’t Enough
Automated Collections Platform: Why Automation Alone Isn’t Enough
Auto Lending6 min read
Subprime Auto Loan Delinquency in 2026: What the Data Shows and Which Interventions Move the Needle
Subprime Auto Loan Delinquency in 2026: What the Data Shows and Which Interventions Move the Needle
Payment Psychology4 min read
Understanding consumer debt payment behaviour reveals the hidden motivators behind overdue accounts
Understanding consumer debt payment behaviour reveals the hidden motivators behind overdue accounts
Recovery & Leakage5 min read
Pre‑writeoff recovery collections unlock the hidden value in the last 30 days before charge‑off
Pre‑writeoff recovery collections unlock the hidden value in the last 30 days before charge‑off
Promise to Pay5 min read
Payment commitment tracking consumer debt: Why promises break and how to fix them
Payment commitment tracking consumer debt: Why promises break and how to fix them
Core Product5 min read
AI collections software: How to Tell a Recovery Engine from a Bad Outreach Machine
AI collections software: How to Tell a Recovery Engine from a Bad Outreach Machine
Operations5 min read
Improving collections team productivity by focusing collector effort on high‑payoff accounts
Improving collections team productivity by focusing collector effort on high‑payoff accounts
Compliance5 min read
TCPA collections automated calls: What the new consent rules mean for your AI dialer
TCPA collections automated calls: What the new consent rules mean for your AI dialer
Utilities5 min read
Utility payment delinquency: Why early missers aren’t the same as chronic non‑payers
Utility payment delinquency: Why early missers aren’t the same as chronic non‑payers
Healthcare5 min read
Healthcare revenue cycle collections: bridging the gap between billing and recovery
Healthcare revenue cycle collections: bridging the gap between billing and recovery
Auto Lending6 min read
BHPH collections: Why tone beats frequency in subprime recovery
BHPH collections: Why tone beats frequency in subprime recovery
Payment Psychology5 min read
Flexible Payment Plans Debt Collection: Designing Options That Get Accepted, Not Stalled
Flexible Payment Plans Debt Collection: Designing Options That Get Accepted, Not Stalled
Recovery & Leakage6 min read
Dormant Account Recovery: Turning Silent Balances into Real Payments
Dormant Account Recovery: Turning Silent Balances into Real Payments
Promise to Pay4 min read
Broken Promise Follow‑Up Collections: The Hour‑by‑Hour Recovery Window
Broken Promise Follow‑Up Collections: The Hour‑by‑Hour Recovery Window
Core Product6 min read
Voice AI debt collection: Inside the live call experience
Voice AI debt collection: Inside the live call experience
Operations5 min read
How to scale collections without adding headcount in 2026
How to scale collections without adding headcount in 2026
Compliance5 min read
FDCPA AI collections compliance: the three pitfalls that keep teams out of trouble
FDCPA AI collections compliance: the three pitfalls that keep teams out of trouble
Utilities5 min read
Utility collections AI: Turning Seasonal Silence into Your Biggest Recovery Opportunity
Utility collections AI: Turning Seasonal Silence into Your Biggest Recovery Opportunity
Healthcare5 min read
Patient billing collections require a different psychology, regulation, and approach than commercial debt collection
Patient billing collections require a different psychology, regulation, and approach than commercial debt collection
Auto Lending5 min read
An auto loan collections strategy that catches first‑payment defaults before they snowball
An auto loan collections strategy that catches first‑payment defaults before they snowball
Payment Psychology6 min read
Empathy in Debt Collection Beats Aggression: Why Supportive Language Drives Payments
Empathy in Debt Collection Beats Aggression: Why Supportive Language Drives Payments
Recovery & Leakage5 min read
collections recovery rate: why it’s the wrong headline metric and the operational number that really predicts success
collections recovery rate: why it’s the wrong headline metric and the operational number that really predicts success
Promise to Pay5 min read
Promise to Pay Tracking Software: The Missing Link That Turns Call Notes Into Recoveries
Promise to Pay Tracking Software: The Missing Link That Turns Call Notes Into Recoveries
Core Product6 min read
Understanding agentic AI collections: Why it’s more than a dialer or chatbot
Understanding agentic AI collections: Why it’s more than a dialer or chatbot
Auto Lending6 min read
Why auto loan payment reminder AI that sounds human beats robotic scripts every time
Why auto loan payment reminder AI that sounds human beats robotic scripts every time
Recovery & Leakage5 min read
collections revenue leakage: how to spot the invisible loss before it becomes a write‑off
collections revenue leakage: how to spot the invisible loss before it becomes a write‑off
Core Product5 min read
How an Automated Collections Platform Differs From a Systematised Collections Approach
How an Automated Collections Platform Differs From a Systematised Collections Approach
Auto Lending5 min read
Subprime Auto Loan Delinquency in 2026: Data‑Driven Insights and Proven Interventions
Subprime Auto Loan Delinquency in 2026: Data‑Driven Insights and Proven Interventions
Payment Psychology6 min read
Understanding consumer debt payment behaviour: What really drives a borrower to pay overdue bills
Understanding consumer debt payment behaviour: What really drives a borrower to pay overdue bills
Recovery & Leakage10 min read
Pre-Writeoff Recovery Collections: How to Recapture What the Last 30 Days Are Actually Worth
Pre-Writeoff Recovery Collections: How to Recapture What the Last 30 Days Are Actually Worth
Promise to Pay10 min read
Payment Commitment Tracking in Consumer Debt: Why Consumers Break Promises and What Actually Changes the Outcome
Payment Commitment Tracking in Consumer Debt: Why Consumers Break Promises and What Actually Changes the Outcome
Operations9 min read
Collections Team Productivity Is a Routing Problem, Not a Headcount Problem
Collections Team Productivity Is a Routing Problem, Not a Headcount Problem
Healthcare9 min read
Healthcare Revenue Cycle Collections: Where the Money Actually Goes Missing Between Bill and Payment
Healthcare Revenue Cycle Collections: Where the Money Actually Goes Missing Between Bill and Payment
Auto Lending10 min read
BHPH Collections Is a Different Game — And Most Teams Are Playing It Wrong
BHPH Collections Is a Different Game — And Most Teams Are Playing It Wrong
Payment Psychology9 min read
Flexible Payment Plans in Debt Collection: How Plan Design Determines Whether Consumers Say Yes or Stall
Flexible Payment Plans in Debt Collection: How Plan Design Determines Whether Consumers Say Yes or Stall