by Nancy Seiverd | Jan 6, 2026 | Feature Article
Every credit and collection professional knows the truth: January isn’t just the start of a new year; it’s the start of the annual payment excuse season. Once the holiday decorations come down, the real “January effect” kicks in, and suddenly the promises that...
by Nancy Seiverd | Jan 6, 2026 | Uncategorized
Every January, credit professionals brace themselves for a familiar trend: the sudden wave of customers who decide, consciously or not, that the new year is the perfect time to stretch payment terms. While individuals throughout the world promise to eat healthier,...
by Nancy Seiverd | Jan 6, 2026 | Hector the Collector
Hi Everyone, It’s Hector and I hope you had a wonderful New Year! If you work in credit long enough, you eventually encounter the kind of customer who treats payment terms the way some people treat speed limits, as friendly suggestions rather than actual rules....
by Nancy Seiverd | Jan 6, 2026 | Poll
Take the Poll — Are Customers Being Honest About Why They’re Paying Late?Never — Pure fiction every timeOccasionally — A bit of truth sneaks inSometimes — Depends on the dayUsually — But still must verifyChoose In the world of collections, no two debtors are exactly...
