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Since the economic downturn began in the U.S. in 2008, the fortunes of ARM companies have largely mirrored the broader business environment. Debt collection agencies are particularly susceptible to high unemployment, inflated consumer bankruptcies, and plummeting housing pricing. Combined with a general tightening of credit standards, the ARM industry is more tied to macroeconomic trends than ever before.

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Labor Department Closes Book on 2012; 7.8% Unemployment Rate in December

4 January 2013

"Pay-As-You-Earn" Student Loan Program: Are You Ready for the Future?

20 December 2012

Mortgage Delinquency Rate to Stay High in 2013; Credit Card Delinquencies to Remain Low: TransUnion

12 December 2012

November Bankruptcy Filings Down 12 Percent over Previous Year

11 December 2012

Mike Ginsberg: A Mixed Bag of Treats for ARM Professionals

10 December 2012

Credit Card Debt Grows in October, Along with Other Debt

10 December 2012

GDP Growth in Third Quarter Revised Up to 2.7%

29 November 2012

ARM Companies Largely Meeting Expectations in 2012

29 November 2012

Third Party Debt Collection Accounts Fall in Q3

28 November 2012

National Mortgage Loan Delinquency Rate Continues Downward Track in Third Quarter

14 November 2012

Mike Ginsberg: Jobs Report, Industry Conferences, and CFPB Supervision

5 November 2012

Encore Capital Announces Record Results; Comments on ARM Environment

2 November 2012

U.S. Economic Growth Picks Up in Third Quarter: GDP Rises at 2%

26 October 2012

Commercial Collection Agency Association Reports Placement Volumes for Q3

25 October 2012

UPDATE: Location Announced for CFPB Field Hearing on Debt Collection

19 October 2012

Where Does the ARM Industry Go After the Credit Card Bust?

17 October 2012

Unemployment Rate Plummets to 7.8%; Huge Revisions Cap Solid Third Quarter

5 October 2012

Identifying the Deleveraging Customer versus the Disengaging Customer

20 September 2012

International ARM Firm EOS Reports Big Jump in Annual Revenue

13 September 2012

Consumer Credit Slides in July on Big Dip in Credit Cards

12 September 2012

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