The receivable management industry, comprised of companies who provide a wide-array of fundamental financial services centered around the purchase, finance and/or collection on consumer and commercial related accounts receivables continues to be the cornerstone in the credit ecosystem, and a major influence behind credit availability to consumers, both in the U.S., Canada and abroad. The receivables management industry ensures that the overwhelming majority of U.S. consumers (and small businesses) who pay their respective outstanding debt(s) on time have access to credit at affordable interest rates.