---
title: Turning Red to Black Blog by Simon's Agency | John Viggiano
description: John is a marketing and communications professional with additional experience in web design, SEO and graphic design. John blogs about topics relevant to the debt collection industry as well as general marketing, communications and design topics.
---
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# Turning Red to Black Blog
Turning Red to Black Blog: Discussing Topics Related to Revenue Cycle Management, Debt Collection, Debt Recovery, Debt Management, Billing Operations and Billing Procedures
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[](https://www.simonsagency.com/blog/turning-red-to-black/preparing-for-the-new-cfpb-rules-for-debt-collection)
By John Viggiano posted at Feb 18, 2021 11:28:00 AM
## [Preparing for the New CFPB Rules for Debt Collection](https://www.simonsagency.com/blog/turning-red-to-black/preparing-for-the-new-cfpb-rules-for-debt-collection)
As we have mentioned for several months now, the CFPB’s new rules that affectively clarify or change some of the rules initiated in [The Fair Debt Collection Practices Act](https://www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text) (FDCPA; March 1978), will go into effect this November, 2021. With these rules, most of which will be up to third-party collection agencies to adopt into their practices, come some items that will require their clients to hand over more information on their patients and consumers in their placement files.
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[](https://www.simonsagency.com/blog/turning-red-to-black/rules-regulations-and-cfpb-oh-my)
By John Viggiano posted at Jan 15, 2021 12:00:00 PM
## [Rules, Regulations, and CFPB, Oh My!](https://www.simonsagency.com/blog/turning-red-to-black/rules-regulations-and-cfpb-oh-my)
If you’ve been living in a bunker for the last year or so – and it’s entirely possible you have! – you may not have noticed the litany of new rules and regulations that have been thrust upon third-party collection agencies, not to mention the ever-evolving state rules and consumer-oriented notices that have coalesced around the collections industry as a whole, in particular regarding the means and methods by which we communicate with consumers.
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[](https://www.simonsagency.com/blog/turning-red-to-black/common-sense-prevails-part-2-defining-an-atds)
By John Viggiano posted at Oct 21, 2020 11:45:00 AM
## [Common Sense Prevails… Part 2: Defining an ATDS](https://www.simonsagency.com/blog/turning-red-to-black/common-sense-prevails-part-2-defining-an-atds)
Previously we published an article, “[Commonsense Prevails… When Consent is Contractual](https://www.simonsagency.com/blog/turning-red-to-black/commonsense-prevails-when-consent-is-contractual),” which outlined a district court ruling***\**** that basically means it is not a violation of the Telephone Consumer Protection Act (TCPA) – in other words, it is **entirely** **legal** to call a consumer – when he or she signs a document that says you or your third-party collection agency can contact them at the number of their choosing using automated phone calling technology if they fail to pay their bill.
Common sense, right? But for some reason, in districts across the country, courts are hearing and punishing first and third-party companies for doing just that. Our colleagues across the board are shaking their heads while coughing up hundreds of thousands, if not millions, of dollars along the way. Well, there may just be a [silver lining appearing on the December horizon](https://www.supremecourt.gov/search.aspx?filename=/docket/docketfiles/html/public/19-511.html). Enter Facebook.
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[](https://www.simonsagency.com/blog/turning-red-to-black/accelerating-your-collections)
By John Viggiano posted at Sep 29, 2020 4:06:56 PM
## [Accelerating Your Collections](https://www.simonsagency.com/blog/turning-red-to-black/accelerating-your-collections)
[With the Coronavirus Pandemic wreaking havoc across the board for](https://www.simonsagency.com/news/50th-anniversary-grand-opening-celebration)[retailers](https://www.businessinsider.com/coronavirus-layoffs-furloughs-hospitality-service-travel-unemployment-2020), [physicians](https://www.beckershospitalreview.com/healthcare-blog/physicians-the-latest-healthcare-workers-to-be-hit-with-layoffs.html), and [healthcare organizations](https://www.npr.org/2020/05/08/852435761/as-hospitals-lose-revenue-thousands-of-health-care-workers-face-furloughs-layoff), furloughs and layoffs have become a daily assault on our newsfeeds and colleagues’ livelihoods. With this in mind, it might be time for you to start thinking about accelerating your bad debt collections and letting your specialized third-party collectors handle your accounts sooner. Just like the services your organization expertly provides, debt collection is a specialized service that is best left to the professionals so you can get back to doing what you do best, and often do exceptionally well.
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[](https://www.simonsagency.com/blog/turning-red-to-black/a-day-in-the-life-theft-by-dispute)
By John Viggiano posted at Jul 23, 2020 11:45:00 AM
## [A Day in the Life: Theft by Dispute](https://www.simonsagency.com/blog/turning-red-to-black/a-day-in-the-life-theft-by-dispute)
In the spirit of our previously-published [Who’s Got Your Six](https://www.simonsagency.com/blog/turning-red-to-black/whos-got-your-six) blog post, we are introducing a new [From the Owner’s Corner](https://www.simonsagency.com/from-the-owners-corner) blog series that highlights some of the critical exposure points that your third-party collection agencies face in their everyday work of [collecting your outstanding receivables](https://www.simonsagency.com/services/debt-collection/).
In this edition, we expose the hypocrisy that some attorneys and credit repair companies use to exploit the process that allows consumers to ask for validation of a debt or to dispute its accuracy. We offer a recent series of events that epitomize the blatant disregard for actual validation in favor of juicing a system intended to help the few consumers who use the process legitimately.
[All posts](https://www.simonsagency.com/blog/turning-red-to-black/all) [Next](https://www.simonsagency.com/blog/turning-red-to-black/author/john-viggiano/page/2)
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