Receivables Management & Collections

Mitigating Risk While Maximizing Recovery

Receivables management is a high-volume, high-risk business—one that operates under intense scrutiny from regulators, plaintiffs’ attorneys, and consumer advocates. At Hinshaw, we help creditors, debt buyers, collection agencies, and servicers navigate the evolving legal landscape surrounding debt collection, account servicing, and consumer communications.

Our team provides full-spectrum legal support across the lifecycle of account recovery, including licensing, compliance, vendor oversight, litigation defense, and regulatory response. Whether you're handling portfolios in-house, through affiliates, or via third-party agencies, we help you reduce risk, stay compliant, and preserve the value of your receivables.

Strategy That Keeps You Ahead of Scrutiny

We advise clients on compliance with the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA), and a patchwork of state laws governing collection activity, communication restrictions, and disclosure obligations. Our team also helps clients build compliance programs that withstand regulatory audits, litigation, and media scrutiny.

And when the stakes are high—whether in a consumer class action, CFPB exam, or enforcement action—we step in with a seasoned defense strategy backed by decades of experience.

Our Experience Includes:

• Advising debt buyers, originators, and third-party collectors on federal and state debt collection compliance

• Supporting licensing and registration efforts across all 50 states and U.S. territories

• Defending clients in individual and class action lawsuits involving FDCPA, FCRA, and UDAAP claims

• Reviewing consumer communications, scripts, letters, and disclosures for regulatory compliance

• Conducting internal audits and risk assessments to improve operational compliance

• Counseling on credit reporting disputes, data furnishing requirements, and Metro 2 format compliance

• Developing vendor oversight programs and risk mitigation protocols for outsourced collection activity

Protecting Your Portfolio—and Your Reputation

In today’s regulatory climate, collections operations must do more than recover funds—they must stand up to scrutiny and reflect your brand’s values. At Hinshaw, we help you balance aggressive recovery with sound legal safeguards, so your team can focus on performance without sacrificing compliance. Whether you're managing early-stage collections or charged-off debt, we provide the counsel and defense you can count on.