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Nick Jarman

Contributor |  In Managing Debt

Nick Jarman is President & Chief Operating Officer at Delta Outsource Group, Inc. located in the metropolitan St. Louis, Mo., area. He currently serves on the Board of Directors for ACA International and also serves as the 2014-2015 Missouri Collectors Association President. He is adamant that the collection process is done the right way and that collectors always remain professional, respectful and compliant. He also uses analytics to develop proprietary scorecards that evaluate collector, client and overall company performance. He believes in management through open communication, creating a positive work culture and establishing clear expectations with accountability.

What the Holidays Are Like for a Debt Collector

Managing Debt

What the Holidays Are Like for a Debt Collector

What the Holidays Are Like for a Debt Collector

Being a debt collector is a tough job and, as president of a national debt collection company, I can tell you, that job gets even tougher during the holidays. Anytime you are in a position that involves asking someone to pay back money they owe, things tend to get somewhat awkward. During the holiday season,... Read More

Op/Ed: Why Regulators Should Ease Up on Debt Collectors

Managing Debt

Op/Ed: Why Regulators Should Ease Up on Debt Collectors

Op/Ed: Why Regulators Should Ease Up on Debt Collectors

With complaints against debt collectors rising every year, regulators, including the Federal Trade Commission and the Consumer Financial Protection Bureau, have made debt collection a top priority. In fact, back in June, the FTC began holding “Debt Collection Dialogues” to better understand the dynamics between creditors, consumers, debt collectors and other regulators. As president of... Read More

A Debt Collector Contacted You — Now What?

Managing Debt

A Debt Collector Contacted You — Now What?

A Debt Collector Contacted You — Now What?

Every day, hundreds of thousands of consumers are contacted by debt collectors regarding delinquent debts. As a debt collector myself, I can tell you that getting a debt collection call is not on anyone’s list of favorite things and never will be. In fact, it probably ranks dead last. Unfortunately, avoiding a debt collector isn’t... Read More

Can I Deal With a Debt Collector Over Email?

Managing Debt

Can I Deal With a Debt Collector Over Email?

Can I Deal With a Debt Collector Over Email?

Over the past 25 years, the way individuals communicate with each other has changed dramatically. From telephone calls and faxes to emails and text messages, advancements in technology have made it much easier for individuals to get in touch with one another. Today, individuals communicate through text messages and emails more than they do through telephone calls. Businesses... Read More

Will You Be Sued Over an Unpaid Debt?

Managing Debt

Will You Be Sued Over an Unpaid Debt?

Will You Be Sued Over an Unpaid Debt?

The goal of all creditors is for consumers to repay borrowed money according to the terms and conditions of their original agreement. When a consumer debt fails to be repaid as agreed, creditors must decide the best option to take to recover their loss. At this point, creditors have several options available. They may decide... Read More

Can a Debt Collector Go After My PayPal Account?

Managing Debt

Can a Debt Collector Go After My PayPal Account?

Can a Debt Collector Go After My PayPal Account?

A reader recently wrote us to ask about judgments and what exactly a creditor can get access to when you owe them money. Just got a judgment today on my credit report. I know they can seize your bank account potentially (of which I have basically nothing). Can they do anything with your PayPal account?... Read More

Why a Debt Collection Letter Doesn’t Look Like One

Managing Debt

Why a Debt Collection Letter Doesn’t Look Like One

Why a Debt Collection Letter Doesn’t Look Like One

The most difficult part of a debt collector’s job has been, and always will be, establishing communication with the consumer they are collecting from. Debt collectors go to great lengths to establish contact with consumers primarily through telephone calls and letters. In my experience, once contact is eventually established with the consumer, one of their... Read More

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