#Debt Collection Agencies Australia

[commercialrecoverydebt]

Do's and Don'ts of the Debt Collection Industry

Collecting debts is one of the most exhausting and laborious tasks, and adding to the woes is the fact that the debt collector has to ensure that he does not breach any rule that can land him in trouble. Because of this, they have to follow several dos and don'ts, and in this blog post, we will discuss some top dos and don'ts of the debt collection industry.

Dos Of Debt Collection Ask For Help From A Debt Collector Sydney

After failing numerous times in debt collection, it is your right to seek services from any debt collector around you. You should not assume that DIY debt collection will be cheaper. Yes, it will be more affordable, but at the same time, it will be time-consuming and also a more accessible option. You will waste a lot of time chasing debtors and convincing them to pay debts on time.

Take Advantage Of Mails, Emails And Phone Calls

Make sure you never think that mails, emails and phone calls are useless. Debt collectors recommend using these modes to stay in touch with debtors and create a solid line of communication. This way, you will remind them quickly overall again that the amount is due and paying it back on time is beneficial.

Formulate A Plan To Deal With Outstanding Debt Issues

Often lenders make the mistake of underestimating debtors and thinking that the amount taken by them will be paid back quickly. As a result, they don't formulate any plan or strategy to deal with bad debts. This is a wrong approach, and just like every debt collector Sydney, every lender should also have a strategy to deal with these situations. These strategies can include credit management or application with specific provisions such as a director's guarantee.

Don't Of Debt Collection Don't Resort To Any Threats Or Harassment

As a debt collector or as a lender, you should never think of relying upon threats or mental harassment for debt collection. There are some very common things that you should never do as a lender or a debt collector Perth.

•      Using physical force or coercion

•       Harassing the debtor to an unreasonable extent

•       Taking advantage of the debtor's vulnerability, disability, or any similar circumstances

[nando161mando]

"Debt is a form of social control" (EN: English)

[mgminvestigations7]

Skip Tracing in Australia For Debt Collection- Understand the Benefits

Introduction

Collecting debts on time is crucial for every business. However, when debtors go missing or they evade your attempts to contact you, it can be very challenging for you to collect those unpaid debts. This can create hurdles in your business growth. Well, there is an effective solution using which you can easily find those debtors. Skip tracing in Australia has become an important part of the debt collection process.

By hiring a professional skip trace, you can easily discover the whereabouts of the debtors. These experts use the latest technology and effective investigation techniques to get the job done. Keep reading to explore some major benefits of taking the help of skip tracers. And also understand how they can make your debt collection process efficient.

Better Recovery Rates

Skip tracing service can help you witness an increased recovery rate. Skip tracing experts utilize advanced databases and tools to find out debtors, allowing you to collect your debts quickly. The technology skip tracers use helps them to get accurate location of debtors. With a higher recovery rate, you will enjoy more satisfied creditors. So, give it a try.

Better Time Efficiency

When it comes to collecting debts, we all know the importance of time. If you don’t collect your debts on time, the this can lower the chances of recovery. However, with skip tracing in Australia service, you can speed up the process. How? Well, the reason behind this is accurately and quickly locating your debtors. Besides, with these experts, you can focus on high-priority cases. Boost the overall speed of your debt collection with this service.

 Cost-Effective Debt Collection Method

Some people may think that hiring debt collection experts can be costly. However, the fact is working with them is a cost-effective method for collecting unpaid debts. Besides, you can’t ignore the potential ROI with them. You may need to pay an upfront cost, but they will increase the overall recovery rate while making the entire process quick. On the other hand, these experts can find debtor locations efficiently, reducing wasted resources on multiple leads.

Helps Avoid Legal Complications

Remember that debt recovery in Australia is regulated by highly strict legal frameworks and laws. These are designed to keep people’s rights protected. Professional skip tracers understand this and they are also well-versed with every law. The methods they use are legally compliant. They always follow ethical practices. With this, then you can ensure that your business will not face any legal issues related to locating debtors. Ensure that you are hiring a skip tracer from a reputed investigation agency to enjoy such benefits.

Final Words

No matter what are the reasons behind the disappearance of your debtors, carrying out a skip trace will help to make sure that they cannot avoid the legal consequences. Are you facing such issues and want to complete your debt recovery process as soon as possible? It’s time to get in touch with MGM Investigations. As a top-rated private investigation agency, we offer the best skip tracing in Australia. Our team can easily find your debtors by deploying effective methods. With us, you can save time and money. Besides, our experts can conduct the procedures following the necessary regulations and laws. Contact us today for more information.

[dfdgg]

Optimizing Cash Flow with Professional Accounts Receivable Management Services

The Importance of Accounts Receivable Management

Accounts receivable (AR) represents the money owed to a business by its customers for products or services delivered but not yet paid for. Proper management of these receivables is critical to ensuring that a company's cash flow remains positive and that it has the liquidity needed to fund operations, pay employees, and invest in growth opportunities.

However, managing accounts receivable can be a time-consuming and complex task. Businesses must not only track outstanding invoices but also follow up on late payments, resolve disputes, and, when necessary, engage in collections activities. Failure to manage accounts receivable effectively can lead to cash flow problems, increased bad debt, and even financial instability.

The Role of Accounts Receivable Management Services

Accounts receivable management services are designed to help businesses streamline the process of managing outstanding invoices. These services typically include:

Invoice Processing and Management: Accounts receivable management services take over the responsibility of generating and sending invoices to customers, ensuring that invoices are accurate and sent on time. This reduces the likelihood of delays in payment due to errors or inefficiencies in the invoicing process.

Payment Monitoring and Follow-Up: Once invoices are sent, these services monitor payments and follow up with customers who have not paid on time. Automated reminders and follow-up communications help ensure that payments are made promptly, reducing the risk of late payments.

Dispute Resolution: When disputes arise over invoices, accounts receivable management services work to resolve them quickly and fairly. This includes investigating the issue, communicating with the customer, and negotiating a resolution that is satisfactory to both parties.

Collections: In cases where customers fail to pay their invoices, accounts receivable management services can initiate collections activities. This may involve sending additional reminders, negotiating payment plans, or, in extreme cases, engaging a collections agency to recover the outstanding debt.

Reporting and Analysis: These services also provide detailed reporting and analysis of accounts receivable data. This includes tracking key metrics such as days sales outstanding (DSO), aging reports, and bad debt ratios, helping businesses identify trends and make informed decisions about credit policies and collections strategies.

Benefits of Accounts Receivable Management Services

By outsourcing accounts receivable management to a professional service provider, businesses can enjoy several key benefits:

Improved Cash Flow: With more efficient invoicing, payment monitoring, and collections, businesses can ensure that cash is coming in more quickly, Accounts Payable Services Australia reducing the risk of cash flow shortages.

Reduced Bad Debt: By following up on late payments and resolving disputes promptly, accounts receivable management services help minimize the risk of bad debt and write-offs.

Time and Resource Savings: Managing accounts receivable in-house can be resource-intensive. By outsourcing this function, businesses can free up time and resources to focus on core activities, such as sales and customer service.

Enhanced Customer Relationships: Professional accounts receivable management services handle customer interactions with tact and professionalism, helping to maintain positive relationships even when payment issues arise.

[challengecollectionsservices]

Top-tier Debt Recovery Specialists

Discover the pinnacle of debt resolution expertise with Challenge Commercial Collections, your premier destination for Debt Recovery Specialists in Australia. Our seasoned professionals excel in navigating the intricacies of debt collection, offering effective nationwide services tailored to your specific needs. Trust in our proven track record for swift and reliable debt recovery solutions.

Trusted Debt Recovery Specialists in Australia

When it comes to recovering debts in Australia, entrusting the task to seasoned professionals is paramount. Challenge Commercial Collections stands out as the beacon of reliability and expertise in the realm of debt recovery. With a track record of successfully recovering debts nationwide, our team of specialists is equipped with the knowledge and skills necessary to navigate the complexities of debt collection with finesse.

Comprehensive Nationwide Debt Recovery Services

At Challenge Commercial Collections, we understand that each debt recovery case is unique and requires a tailored approach for optimal results. Our comprehensive range of nationwide debt recovery services encompasses a variety of industries and debt types, ensuring that no matter the nature of your outstanding debts, we have the expertise to assist you. From commercial debts to consumer debts, we employ proven strategies and techniques to recover what is rightfully yours.

The Challenge Advantage: Unrivaled Efficiency and Results

What sets Challenge Commercial Collections apart from other debt recovery agencies is our unwavering commitment to efficiency and delivering results. With a keen understanding of the legal and regulatory landscape surrounding debt collection in Australia, we navigate the process with precision and integrity. Our proactive approach, combined with advanced technology and a dedicated team, ensures swift and successful debt recovery outcomes for our clients.

Conclusion

If you are in need of reliable and effective debt recovery solutions in Australia, look no further than Challenge Commercial Collections. With our team of trusted specialists and comprehensive nationwide services, we are your partner in overcoming the challenges of debt collection and reclaiming what is rightfully yours. Contact us today to discover how we can assist you in achieving your debt recovery goals.

Visit here: https://challengecollections.com.au/services/

Address: P.O Box 1835, Springwood QLD 4127

Phone: (07) 3808 7001

[bellmercantileaus]

Debt Recovery Australia | Bell Mercantile

Debt recovery is a crucial aspect of financial management for businesses and individuals alike. In Australia, where commercial transactions and consumer lending are prevalent, effective debt recovery processes are essential for maintaining cash flow, reducing financial losses, and preserving business relationships. Understanding the debt recovery process in Australia is paramount for navigating the complexities of debt collection while adhering to legal regulations and ethical standards.

The debt recovery process in Australia typically begins with communication between the creditor and the debtor to resolve the outstanding debt amicably. This may involve sending reminders, issuing invoices, and negotiating repayment terms in good faith. However, if these initial attempts to recover the debt are unsuccessful, creditors may escalate the matter by engaging professional debt recovery services or pursuing legal action.

One common method of Debt Recovery in Australia is engaging debt collection agencies or debt recovery specialists. These entities specialize in recovering debts on behalf of creditors and employ various strategies, such as phone calls, letters, and negotiation tactics, to encourage debtors to repay their outstanding obligations. Debt collection agencies are regulated by laws such as the Australian Consumer Law and must adhere to strict guidelines to ensure fair and ethical practices.

In cases where debtors refuse to cooperate or dispute the debt, creditors may resort to legal action to recover the outstanding amounts. This typically involves filing a claim in the appropriate court or tribunal and obtaining a judgment against the debtor. Once a judgment is obtained, creditors have legal recourse to enforce the judgment through means such as garnishment of wages, seizure of assets, or placing a caveat on the debtor's property.

It is important for creditors to be aware of their rights and obligations when pursuing debt recovery in Australia. While the debt recovery process can be time-consuming and resource-intensive, it is essential for safeguarding financial interests and ensuring business viability. By understanding the debt recovery process and seeking professional guidance when necessary, creditors can navigate debt collection challenges effectively and mitigate risks associated with unpaid debts.

More Info Contact Us

Website https://bellmercantile.com.au/

Address : 585 Collins Street MelbourneVICAustralia3000

Ph: 03 9596 9311

Mail id: info@bellmercantile.com.au

Working Time: Monday to Friday  8:30am–5:30pm .

[themarketinsights]

Credit Collection Software Market is set for a Potential Growth Worldwide: Excellent Technology Trends with Business Analysis

Latest released the research study on Global Credit Collection Software Market, offers a detailed overview of the factors influencing the global business scope. Credit Collection Software Market research report shows the latest market insights, current situation analysis with upcoming trends and breakdown of the products and services. The report provides key statistics on the market status, size, share, growth factors of the Credit Collection Software The study covers emerging player’s data, including: competitive landscape, sales, revenue and global market share of top manufacturers are Tesorio (United States), You Need A Budget (United States), Invoiced (United States), YayPay Inc. (United States), VersaPay (Canada), myFICO (United States), Cogent (United States), FICO Network (United States), CashOnTime (France), Borrowell (Canada), Esker Inc. (France),

Free Sample Report + All Related Graphs & Charts @: https://www.advancemarketanalytics.com/sample-report/181536-global-credit-collection-software-market?utm_source=Organic&utm_medium=Vinay

Credit Collection Software Market Definition:

Credit and collections software is use accountants to manage client credits and reduce the risk of not being paid. Collection organizations that recover outstanding payments on behalf of their customers can also utilize this type of software. Accounting teams utilize credit collection software to discover overdue invoices, match invoices and payments, decrease processing errors, and manage collection concerns such as bad debt (amounts owed by customers that are unlikely to be paid). Many organizations massive and small use credit score and series software program to make certain that clients pay for the goods and offerings supplied via way of means of the enterprise.

Market Trend:

Integration Of Ai-Based Technology In Credit Collection Software

Emergence Of Mobile-Based Credit Collection Software

Market Drivers:

Growing The Demand For Credit Recovery Service from End-user

Market Opportunities:

Banking Institutions Are Rapidly Transitioning To Digital

Growing The Utilization Of Cloud-Based Credit Collection Software

The Global Credit Collection Software Market segments and Market Data Break Down are illuminated below:

by Application (Large Enterprises, SMEs), Pricing (Monthly Subscription, Annual Subscription, One-Time License), Deployment Model (On-premise, Cloud), End User (Banks, Collection Agencies, Finance Companies, Consumer Goods And Retail, Telecom And Utilities, Others)

Region Included are: North America, Europe, Asia Pacific, Oceania, South America, Middle East & Africa

Country Level Break-Up: United States, Canada, Mexico, Brazil, Argentina, Colombia, Chile, South Africa, Nigeria, Tunisia, Morocco, Germany, United Kingdom (UK), the Netherlands, Spain, Italy, Belgium, Austria, Turkey, Russia, France, Poland, Israel, United Arab Emirates, Qatar, Saudi Arabia, China, Japan, Taiwan, South Korea, Singapore, India, Australia and New Zealand etc.

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Strategic Points Covered in Table of Content of Global Credit Collection Software Market:

Chapter 1: Introduction, market driving force product Objective of Study and Research Scope the Credit Collection Software market

Chapter 2: Exclusive Summary – the basic information of the Credit Collection Software Market.

Chapter 3: Displayingthe Market Dynamics- Drivers, Trends and Challenges of the Credit Collection Software

Chapter 4: Presenting the Credit Collection Software Market Factor Analysis Porters Five Forces, Supply/Value Chain, PESTEL analysis, Market Entropy, Patent/Trademark Analysis.

Chapter 5: Displaying market size by Type, End User and Region 2015-2020

Chapter 6: Evaluating the leading manufacturers of the Credit Collection Software market which consists of its Competitive Landscape, Peer Group Analysis, BCG Matrix & Company Profile

Chapter 7: To evaluate the market by segments, by countries and by manufacturers with revenue share and sales by key countries (2021-2026).

Chapter 8 & 9: Displaying the Appendix, Methodology and Data Source

Finally, Credit Collection Software Market is a valuable source of guidance for individuals and companies in decision framework.

Data Sources & Methodology The primary sources involves the industry experts from the Global Credit Collection Software Market including the management organizations, processing organizations, analytics service providers of the industry’s value chain. All primary sources were interviewed to gather and authenticate qualitative & quantitative information and determine the future prospects.

In the extensive primary research process undertaken for this study, the primary sources – Postal Surveys, telephone, Online & Face-to-Face Survey were considered to obtain and verify both qualitative and quantitative aspects of this research study. When it comes to secondary sources Company's Annual reports, press Releases, Websites, Investor Presentation, Conference Call transcripts, Webinar, Journals, Regulators, National Customs and Industry Associations were given primary weight-age.

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Latest industry influencing trends and development scenario

Open up New Markets

To Seize powerful market opportunities

Key decision in planning and to further expand market share

Identify Key Business Segments, Market proposition & Gap Analysis

Assisting in allocating marketing investments

Definitively, this report will give you an unmistakable perspective on every single reality of the market without a need to allude to some other research report or an information source. Our report will give all of you the realities about the past, present, and eventual fate of the concerned Market.

Thanks for reading this article; you can also get individual chapter wise section or region wise report version like North America, Europe or Southeast Asia.

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[mcavisas]

What are the South Australia 190 Visa Requirements?

South Australia offers a relaxed and family-friendly environment to immigrants. While living in the state, you can achieve a work-life balance and gain success. Adelaide is one of the most vibrant cities in the world that offers a range of opportunities to workers and businessmen. According to sources, South Australia is affordable to live in Australia. Homes are affordable. Getting office space on lease is also competitive. If you have made up your mind to work in South Australia, you can check your occupation in the Visa 190 skilled occupation list. South Australia offers a state nomination pathway through the subclass 190 Skilled Nominated Visa. 

What is a Subclass 190 Visa?

It is also popular as the Skilled Nominated Visa to Australia. Here, the skilled workers get nomination to live and work in an Australian state or territory permanently. With this visa, you can work and study anywhere in the country. You have the right to sponsor eligible relatives for PR. Later or sooner, you can apply for Australian citizenship. The processing times can vary. The approval process may range between 70 days and 7 months. You get an invitation to apply for this visa when you satisfy the point test. 

South Australia 190 Visa Requirements

For South Australia state nomination for a 190 visa, you must:

Meet the requirements set by the Department of Home Affairs.

Meet the state-specific occupation requirements and have required skills for the occupation available on the South Australia State Skilled Occupation list.

Meet the point-tested criteria of scoring 65 points or above.

Get an invitation by South Australia government agency to apply for a specific occupation.

Have a positive or suitable skills assessment at the time of invitation.

Be under 45 years of age.

Have at least competent English language skills.

Meet the standard for health and character certificates.

Have paid back your debt to the Australian government.

Have signed Australia values statement to respect the way of life and laws of Australia

Have had no previous visa cancellation history.

It is a point-tested visa. Sometimes, your passing scores (65 points) are not enough to qualify for a 190 Visa. Your chances of receiving an invitation to apply for this visa will increase with a better score. Various factors contribute your score, such as age, skills, work experience, and qualifications. For example, there are three level of English skills to get points- Superior, Average, and competent. You will get the highest points for this language if you have superior English language command

At the same time, your occupation must be on the relevant occupation list. Check out the South Australia’s Skilled Occupation list. Every year or so, the state releases the list of occupations facing shortages of workers. If your job profile is on the occupation list, you can apply for this 190 Visa. 

Applying for a 190 Visa for South Australia 

It has two divisions to consider.

Before You Apply

How to Apply

Before You Apply

Applying for the visa demands preparation. In other words, compile all the data and supporting materials for your state nomination application. It is an imperative action to take. Make sure you have documents ready to fulfill the criteria, including job certificates, qualifications certificates, age certificates, health certificates, etc. You can thoroughly check the document checklist to prepare your documentation prior to lodging the visa application. Compare the checklist from your documents. It takes a lot of time and could need professional help. You can speak with an Australian immigration agency for assistance. It assists you in gathering your documents and submitting your visa application. The organisation also monitors your current visa status to keep you well informed. By doing this, you can lessen the possibility of rejection of your visa. 

How to Apply

After collecting the required documents and consulting an immigration agency, you can apply for this 190 Visa. 

Step 1- Lodge an expression of interest or EOI in SkillSelect and choose South Africa as your state preference. Don’t forget to record your EOI ID number as you require it for your state nomination application. 

Step 2- Submit your state nomination application through the Skilled & Business Migration Portal. 

Step 3- Keep track of your visa status. You may be informed about any additional requirements to your email ID. As the state government agency decides, it will reflect on the Skilled & Business Migration application page. 

Step 4- If you get approval, the DHA will send you an invitation letter via email. 

Step 5- Lodge your application and prepare to fly to Australia for unlimited opportunities. 

These are some steps you can follow. Your registered immigration agency will assist you here. 

[thoroughbredrecoveries]

Equine Credit Management Services Australia

An equine debt recovery agency is a company that specializes in recovering unpaid debts owed by individuals or businesses in the equine industry. This may include breeders, trainers, veterinarians, or other equine professionals who have provided goods or services to clients who have not paid their bills.

Equine debt recovery agencies typically have experience and expertise in dealing with the unique challenges of debt recovery in the equine industry, such as navigating the complex legal and regulatory environment and dealing with clients who may be emotionally invested in their animals.

Services offered by equine debt recovery agencies may include debt collection, litigation, skip tracing (finding debtors who have moved or changed their contact information), credit reporting, and debt counseling.

If you are an equine professional and are struggling with unpaid debts, working with an Equine debt recovery agency may be a viable option to recover the money you are owed. However, it is important to do your research and choose a reputable and experienced agency to work with.

[commercialrecoverydebt]

Tips Given by Debt collectors To Improve the Debt Collection Process

Small businesses are always looking for solutions and strategies to enhance their income, but several factors influence them to restrict their income and to keep it limited. One of these factors is outstanding debt, and their condition remains the same until they hire a debt collector agency for the same. 

The good thing about these debt collection agencies is that apart from collecting debt on your behalf, they are always ready to offer their specialised suggestions on making debt collection faster. In this post here, we go through some common tips that these professionals have for small businesses to speed up the collection process.

Define Payment Terms Clearly

A significant mistake that lenders commit is that they stay casual when a debtor comes their way. As a result, they ignore defining payment terms and conditions clearly, and this becomes beneficial for the debtor. Debt collector Sydney professionals recommend defining payment terms as clearly as possible both during initial invoicing and also during the debt collection process. Debt collector Perth professionals say that irrespective of the invoicing system you use, the payment terms should be clearly defined as to how much payment is due and when, along with the due date.

Delinquencies Should Not Be Ignored

An essential tip given by every debt collector Sydney is that delinquencies should be acted upon without any delay. Not doing this gives an impression to the debtor that you are not very serious, and it also allows other debtors to think that they can also delay the invoice payments. This will lead to cash flow shortfalls, and hence, it is essential that you act upon any delinquency very seriously and very promptly.

Get Help from Debt Collectors

There is nothing wrong in attempting DIY debt collection from debtors, but business owners should understand that this is a time and money-consuming process that can be very stressful as well. Hence, no hesitation should be there in seeking services from any reputed debt collector Perth, as these professionals specialise in debt collection from any industry.

[globalindeed]

Rules on How to Call, Talk And Handle Debtors

Debtors are there in every business, sector and industry and there is nothing much that companies could do avoid them. They can only request them of force them gently to pay the overdue. In case, situations go worse, these businesses and companies seek services from debt recovery Sydney agencies. But some don’t and they decide to do this own their own and the first problem they face is the lack of knowledge related to chasing debtors.

By reading this post here, you will be able to familiarise yourself with most of the rules, regulation and laws that they need to follow when posing as debt collectors.

Calling The Debtor

Laws say that you have to contact them only between the hours of 7:30am-9:00pm weekdays and 9:00am-9:00pm on weekends in case; you want to call them or send reminders through SMS.

It is strictly prohibited to call debtors on weekly holidays or during public holidays and if you do so, you violate the rules of the Australian Debt Collection guidelines.

Here are a few things to consider at the time of making calls to the debtors for debt recovery Perth.

Before Starting a Call and During the Call

·       Check if your invoices are correct together

·       The appropriate payment terms should also assigned

·       You must pay attention to vital information such as the number of days until the payment is due

·       Also determine how many days the invoice is overdue

·       One more thing to pay attention towards is the exact amount they need to pay

·       Have an e-mail PDF version of your tax invoices

·       Send them accordingly to the correct recipient

·       Prepare a list of debtors preferably in an excel file

·       Keep it updated with payments received, important notes and new accounts to chase

·       Don’t forget to write the name of the person you’re speaking with

·       Understand the circumstances of the debtor

·       Begin your conversation in a friendly and diplomatic way

·       Maintain your level of professionalism to control the conversation with debt recovery

[freudensteins-monster]

You Say “Mad Scientist” Like It’s A Bad Thing

Based on my own tumblr post: 3am thoughts… Has anyone written Jane Foster as a mad scientist, I mean like a villain?

Chaotic neutral Darcy and Jane featuring modern/human SHIELD Agent Bucky.

Available on AO3.

Content Warnings: Implied/Referenced Torture, Aftermath of Torture, Amnesia, Memory Suppressing Machine | The Chair (Marvel), Dark, Sort Of, Ambiguous/Open Ending...

In a world full of megalomaniacs, straight up supervillains, and fricking aliens, mad scientists were a dime a dozen. Dr Foster was one such scientist who was quickly moving from mildly irritating to SHIELD’s Most Wanted.

Dr Foster’s gimmick was portals. She first gained international attention when she claimed responsibility (via an untraceable Instagram account, @dr-mthrfckng-foster) for diverting LA’s 405 to a dirt road in rural Australia. Then came a string of impossible robberies – bank vaults and the private collections of the world's richest assholes stripped bare in seconds. Then she created a portal that caused an Indonesian typhoon to bear down on Wall Street, flooding the trading floor. And then she robbed a top secret government black site of some classified technology.

And that’s when Director Nick Fury made finding and stopping Dr Foster SHIELD’s number one priority.

Agent James Barnes had been stuck on suspension for two weeks, with two more to go, and was itching to get back into the field. He had way too much free time on his hands: he’d caught up on his sleep and everything in his Netflix queue. He’d cleaned out his refrigerator, done laundry and enough meal prep to last him until next month. He’d caught up with his family, cleaned his whole goddamn apartment twice, and now he was well and truly bored.

He was out for his fifth run of the week (and it wasn’t even Wednesday) when his work phone rang.

“Thank Christ,” he muttered before answering.

“Barnes.”

“It’s Hill. How’s the arm?”

“Fine,” Barnes grunted, rotating his metal shoulder irritably. “You got something for me?”

“Are you up for a recon mission?”

Usually he would have protested. He headed tactical units. He was an elite ‘first through the door’ kind of field agent. Not that he couldn’t be stealthy and patient - he’d been a sniper in the army for christ's sake - but going unnoticed in public was kind of a problem for him these days; he’d have to wear jackets and gloves in the middle of August to hide his prosthetic for starters.

On the other hand, his mother had been calling him every second day to feed him carb-heavy meals in exchange for help around the house, all while dropping not-so-subtle hints that he should start dating again. Requests for more grandchildren couldn’t be far behind.

“I’ll be there in thirty.”

Thirty-five minutes later Agent Barnes was back at his desk at SHIELD HQ perusing through the increasingly large file of one Dr Jane Foster. 

She had been a brilliant student and had earned a PhD in Astrophysics from Culver University by the age of 25. By all accounts she should have been one of the leading researchers in her field, and if doctoral programs handed out superlatives Dr Foster’s would have been “Most Likely To Win a Nobel Prize By 30”. 

Unfortunately for Dr Foster, and the rest of the world, she had been forced from that path by a sexist tenured professor who publicly denounced her theories, and the woman herself, as crazy, discredited her published work, and used his influence to ensure she was denied all of the more lucrative research grants.

When federal agents went to interview him after the 405 incident they found his office looking like a tornado had gone through it and the professor himself was nowhere to be found. A few weeks later he stumbled into a US Embassy in Russia after being found wandering in from the forests outside Vladivostok, half mad and still decrying the evils of allowing women into scientific fields.

He had been placed into witness protection and promptly admitted into a psychiatric facility under his new name, and was being monitored by several undercover agents in case Dr Foster felt like punishing him some more. 

Anyone else who had a part in ruining Dr Foster’s legitimate career was also under surveillance, as was her mother in London, a terrified ex-boyfriend in Boston, and a handful of known associates, though Dr Foster hadn’t been in contact with any of them in years.

SHIELD and other federal agencies had tried the usual methods of tracking down a rogue mad scientist. They tried to find out where her base of operations was, firstly by looking for any properties in her name, but Dr Foster had been a broke student with an impressive amount of debt (until the day she decided to wipe it, and the rest of Culver’s student debt, out). So if she had property it would definitely not be in her legal name and all but impossible to trace back to her. Then they tried to look for drains on the powergrid. However she managed to generate her portals - SHIELD scientists still hadn’t figured that out - it surely had to be using huge amounts of electricity. So far they’d found six grow labs and two server rooms running illegal god-knows-what, but no Dr Foster.

Agent Barnes read the file twice, reviewed all the transcripts of the interviews with her known associates, and came to one very important conclusion: she had an accomplice. 

As smart as Dr Foster was there was nothing in her academic history to suggest that she had a background in computer science that would account for the notable hacks and the untraceable nature of her activities. To add to that several interviewees had made passing remarks about her not having a cell phone for most of her academic career, and how she had zero interest in social media.

Two days later, after getting the okay for a field trip from Hill, Agent Barnes made his way to Culver University to speak to anyone who had even the vaguest recollection of Dr Foster. And that’s how he learnt about the intern.

He’d started by dropping by one of the physics labs where Dr Foster had spent most of her time, and by pure chance met a doctoral candidate who remembered her, and her intern.

“I think her name was Darlene. Glasses. Always on her phone.”

…which led him to the academic advisor who put the two of them together...

“Darcy. Darcy Lewis. She was actually a PoliSci major but left it too late and Dr Foster’s internship was the only one available. She had only been working with her for a few weeks before… before Dr Foster’s funding was revoked and she was asked to leave.”

...who pointed him to one of Darcy’s former professors…

“Average student. Good debater. Often late, and always had a coffee in her hand.”

...who gave him a few names of some former classmates who might remember her…

“Not the worst person to be stuck with on a group assignment. Pulled her weight. Obsessed with her stupid iPod.”

“I swear she lived off pop tarts and coffee. And not Starbucks either. Some stupid hipster chain.”

“Deja Brew. Serious problem. Went through one of those loyalty punch cards every week. Always complained about having to go home for the holidays and resort to big chain coffee shops.”

...which had him driving out to Darcy Lewis’ hometown, located a few hours south of Roanoke, Virginia, stopping first at the local high school to speak to the school principal…

“She’d always been good with computers but wasn’t allowed to use them at home for some reason so she spent a lot of time at the local library using theirs. We had to suspend her once. One of her classmates accused her of accepting payment from other students to hack the school’s records and alter their grades. Their grades were definitely getting altered, but we couldn’t get any concrete proof it was her.”

...who was able to find a photo of 16 year old Darcy in an old yearbook and told him what bar he could find Darcy’s mother in.

“She knows not to come to me if she’s in the shit, because I would call the cops in a heartbeat. Especially after that stunt she pulled before she went off to college…”

“What stunt was that, Ms Bennett?” Agent Barnes asked patiently, hoping he wouldn’t have to enable her alcoholism to get some useful information. 

“I made some mistakes, okay,” she slurred defensively. “I was having an affair with my boss. Don’t know how Darcy knew. She told her stepfather but he didn’t believe her. Then a few weeks later we went out to dinner for my boss’s birthday... all the tv’s in the bar start showing security camera footage of us falling into offices and motel rooms. Took her all of a minute to ruin two marriages and a law firm.”

“I’m sorry to hear that,” he replied diplomatically. “Is there anyone she could turn to for help? Her father, perhaps.”

“He died when she was about twelve. They were as thick as thieves,” she recalled with a tinge of bitterness.

“Was there any place that was special to them? Someone she might go to ground?”

She shook her head. “He used to rent this old cabin near the Catskills off a buddy of his every other year. Winter or summer, Darcy loved it. But it's long gone. Forest fire, I think, the year before his accident.”

Back in his car Agent Barnes reviewed the data points.

Dr Foster had a base of operations somewhere. Had to be private, and as best SHIELD could guess it must be off the grid and Dr Foster must be generating her own power.

Dr Foster was a space nut at heart, and while an abandoned observatory might be too much to ask for, she’d probably want somewhere with minimal light pollution.

And while they could portal anywhere, neither of them spoke any other languages and had no familiarity with any international locations, so they were most likely still State-side. (Dr Foster’s mother had moved to London when Jane was twenty-three, but she’d never found the time to visit.)

Miss Lewis was familiar with the Catskills area. A base of operations there could be very isolated.

Dr Foster was most likely building and modifying her own own equipment so she had to be able to access materials. Sure, she could portal to her local hardware store, but having Darcy drive into the nearest town for supplies would attract less attention.

Miss Lewis had an addiction to coffee procured from Deja Brew, a small hipster chain with only a handful of locations along on the east coast. While she could have found another way to get her caffeine fix, people were creatures of habit.

Miss Lewis was also known for stocking up on poptarts. In one of the only images of the other side of one of Dr Foster’s portals there was what appeared to be, if one squinted, a box of limited edition pop tarts on a counter.

He plugged it all into SHIELD fancy search engines and got a few results back. The most promising was an abandoned ski chalet turned abandoned research station halfway up a mountain, an hour drive away from an up and coming tourist town, whose main street hosted a Deja Brew cafe. They also had a small mom and pop hardware store, as well as a post office, and a grocery store that had still been selling pumpkin pie pop tarts around the time Dr Foster’s portal had been caught on camera.

Agent Barnes came to with a groan. The flesh of his shoulder where it met his prosthetic felt like it was on fire, and he was pretty sure he could smell fried wiring.

The research station had come up in SHIELD’s initial search for a potential mad scientist's lair, but had been dismissed for not using any power and for not sending back any heat signature readings. Perhaps they’d found a way to fool the scanners. Or maybe they just weren’t in the day the readings were taken. Whatever the reason, Agent Barnes had a good feeling about it. He filled his tank up at the nearest gas station and got on the highway, forgoing checking in at the Triskelion on his way past in favour of driving all night. He’d call Hill when he had something solid. 

** *** **

“Fuck…”

He willed his eyes open and came face to face with Darth Vader.

Barnes reeled back at the sound of the synthesized voice. “Who sent you? Who do you work for?! The Rebellion?” 

“What the fuck!”

It took him until his eyes adjusted to the fluorescent lighting to realise that Darth Vader was wearing a grey knit dress and black tights. Darth Vader laughed and ripped off his mask to reveal a smiling bespectacled brunette underneath. The accomplice. Darcy Lewis.

“Sorry, I was just messing with you, dude,” she teased, tossing the mask over her shoulder. “I’ve always wanted to do that. But seriously, who do you work for? Who knows you’re here?”

“I don’t know what the hell you’re talking about,” he lied. “I was just camping in the woods, man. I saw the lights and decided to check it out,” he rambled in a lazy Canadian accent. “How the hell did I get here? Did you electrocute me?”

He used his not-quite fake panic to test the limits of his restraints. He’d been strapped into some sort of junkstore barber chair, with thick metal shackles locked around his wrists, ankles, and chest. His metal arm could probably make quick work of them but the damn thing was not responding. His panic became a little less fake.

“Just camping, huh?” she echoed back with a raised eyebrow, leaning forward to the point where Barnes couldn’t avoid getting a good look down her top and the 15-carat pink diamond (worth about 40mil and reported stolen in one of Dr Foster’s vault heists two months ago) hanging around her neck. “So that wasn’t you poking around town this morning?” she asked pointedly, drawing his attention to the wall of monitors he hadn’t noticed showing various street cameras around the town. “I’ve got eyes and ears everywhere, dude. You got into town bright and early in a beat up looking truck with plates that didn’t exist two weeks ago and started flashing my yearbook photo around. So, who do you work for?”

He levelled his best steely-eyed agent stare at her and switched back to his native pissed-off Brooklynite accent. “I ain’t tellin you shit, sweetheart.”

“C’mon now,” she cooed, taking a seat on his lap. “Who do you work for? FBI? Interpol? SHIELD? Crawford County Library Services? Listen, I was totally going to return Eat Pray Love, but we had to skip town in a hurry and it got lost in the move. I will totally pay to replace it.”

Years of training (and regular poker games with the Black Widow) had taught him to school his features, even if that last one threw him for a loop.

“Nothing? You sure you don’t want to talk to me? Fine,” she whined. “Jane!”

It was only then that Barnes switched his focus from his captor to his surroundings and realised that there was another occupant puttering about on the other side of the large telescope that took pride of place on a hydraulic platform underneath the research station's retractable roof. The infamous Dr Foster.

“Jane!”

“What?” came the irritated reply. 

“Come over here and practise your monologue. Look! You’ve got a captive audience and everything!” she announced, laughing at her own joke. 

“I don’t have time, Darcy,” the disgruntled voice argued. 

“Hey! I spent two days writing up that monologue, the least you can do is spend twenty-five minutes reading it out loud so I can make sure it doesn’t make you sound too much like a cartoon villain.” 

“Twenty-five minutes?! Are you kidding me?” Dr Foster stormed out from behind the telescope to wave a wrench at her assistant. She looked less put together than her ID photo, appearing to be long overdue for both a shower and a nap. “I’m in the middle of something. I’ve almost figured the problem with the mobile portal generator, and… Darcy, why is there a man tied to a chair in my lab?”

“This man?” Darcy snorted, taking Barnes’s chin in her hands and wiggling it about. “This is the intruder. You remember the intruder alert, like fifteen minutes ago? Lots of flashing lights and alarms? Well, I found this guy passed out on the lawn. For most people, hitting my force field would be like getting lightly tased, but this bad boy,” she continued, tapping a fingernail against his dead metal arm, “meant you ended up getting the full 50,000 volts to your heart. Thanks for letting me practice my CPR by the way,” she added with a wink.

“It’s not a force field, Darcy. It’s a glorified invisible pet fence, upsized and modified so it reacts to the electrical impulses in the human body.”

“It keeps people out; I’m calling it a force field.”

This was definitely the weirdest interrogation he had endured by a large margin, Barnes mused as he followed their bickering like a pingpong game.

“Who is he, Darcy?” Jane sighed wearily. “What is he doing here?”

“Fiiiine. Janey, meet Agent James Barnes of SHIELD.”

“What?! SHIELD?!!”Jane screeched. “Why did you bring him here?”

“He found us, Jane. What was I supposed to do?”

“Something other than bringing him inside our secret hideout.”

“I am not killing him and burying him in the woods; I just did my nails.”

Jane scowled, turning the full force of her overtired fury on James. “Why can’t you SHIELD issue jackbooted thugs just leave me alone? Can’t you understand how important my work is? I am challenging the very foundations of modern science - of the laws of the universe! I am on the verge of a breakthrough! And if you or Nick Fury think you can stop me, you’ve got another thing coming!”

Before his mouth could betray him and ask how the hell they knew his boss Darcy spoke up.

“A little off script, but I like the energy, Jane. Very much the mad scientist vibe we’re going for. But next time, try not to make it so personal – we’ve got to hide the target of our frustrations, remember? Instead of saying “SHIELD” say “government”, instead of saying “Nick Fury” say “president”.”

“Right, right,” Jane nodded absently, tapping the side of her head with the wrench she had just been waving around like a weapon.

“Now, go back to work. I’ll handle this.”

“Okay, thanks Darce. Oh, have you seen my soldering iron around?”

“It’s in the locked cabinet because you’re not allowed to use it unsupervised, you know that. Gimme ten minutes, I’ll bring it to you.”

Jane wandered back to her side of the observatory, muttering under her breath, leaving Barnes at Darcy’s mercy.

“She’s not the criminal mastermind here, is she?” he wondered, his eyes roaming over the strange cupcake of a woman in his lap.

“Not exactly,” Darcy admitted. “I mean, it’s not like she set out to be a mad scientist. I kind of rebranded her after that little freeway incident.”

“Rebranded?”

“Yeah. She was in a bad way after New Mexico and then when the first live test of her portal engine went a little sideways I didn’t want dudebros on the internet coming after her, so I changed the narrative. Instead of ‘girl scientist makes mistake, should stick to making sandwiches’ I changed it to ‘Dr Foster, genius astrophysicist, causes chaos, totally on purpose.’”

“And all those robberies?”

“I may have encouraged that. I’m all for sticking it to the one percenters, and Jane needed to fund her experiments somehow,” she added with a shrug.

“So Jane’s the absent-minded professor and you’re the brains behind this operation, huh?”

Darcy laughed and slid out of his lap causing a distracting amount of friction. “I’m really not. So you, Coulson, and Fury should be really, really scared.”

“How do you know those names?” he had to know, cover be damned.

“You don’t know? Of course you don’t,” she huffed. “Fury and his clearance levels. I’d tell you to ask him about New Mexico sometime, but you’re not going to be able to.”

“Why not? What are you going to do to me?” Barnes fretted, unable to ignore the sinking feeling that he was in big trouble; she wouldn’t have told him anything if she intended on letting him walk out of here.

“Oh, relax. I’m not going to kill you. I’m just gonna scramble your brain a little.”

She circled his chair, flipping switches as she went, and something behind him started humming ominously.

“So, admittedly I didn’t major in hard sciences. I had an ex who did, but he also fancied himself something of a cat burglar, so when he went to jail I liberated all his college textbooks and gave myself a crash course in electrical engineering. And it helped that those HYDRA designs were really easy to follow.”

“HYDRA?” Barnes cursed.

HYDRA had been the scientific branch of the Nazi regime and believed that discovery required (human) experimentation. They were supposedly eradicated at the end of WWII but Project Paperclip saved some of HYDRA’s greatest minds, giving them immunity in exchange for their genius. If Foster or, more worryingly, Darcy had aligned themselves with some surviving HYDRA faction the results could be catastrophic.

“Yeah, I found them in that SHIELD warehouse when we recovered Jane’s stolen research.”

“What are you talking about?”

“They just call it ‘The Chair’, which is totally not creepy at all,” she continued as if he hadn’t spoken. “And this is the Halo,” she added, drawing Barnes’s attention to the whirring circle of metal that was lowering itself over his head.

“What the hell are you doing?” he shouted, renewing his efforts to break free of his restraints. “Get that piece of scrap metal the fuck away from me!”

“Hey! Don’t mock my work. It may look like I raided a junkyard for the components - and I did - but my welding game is on point. It’s totally safe. Mostly safe. It’s just going to send focused electrical pulses to your…” she paused to consult some smudged writing on her hand, “hippocampus and prefrontal cortex.”

The Halo stopped moving and two metal plates extended, pressing against the sides of his head, holding it like a vice.

“Please… don’t do this,” he begged as she approached him with a rubber mouthguard.

“C’mon, open wide. You don’t want to end up braindead and unable to chew your food,” she jested, waving the thing in front of him. “Oh, just one question before I fry your brain,” she added just when he was about to give in. “How did you find us? I was so careful,” she whined.

Agent Barnes, terrified as he was, still managed to look smug at his small, short lived success. “Deja Brew coffee.”

“Curses!” she wailed theatrically. “Betrayed by my one true love!” 

Darcy huffed and quickly returned her attention to the matter at hand. 

“Thanks for that,” she said with a smile as she forced him to bite down on the mouthguard. “I’ll know better for next time. Start making my own coffee at home… but it never tastes as good,” she muttered to herself.

She stepped away from him and bent down to pick up a similarly frankensteined industrial remote with long wires snaking back to the chair and a clichéd big red button at its centre. He began struggling anew, screaming around the foul tasting rubber, begging for mercy.

She took great delight in his terrified expression and put on her best supervillain voice, “Give my regards to Nick Fury.”

Nick Fury observed his agent from behind a two way mirror as he sat behind a table in an interrogation room. Barnes had been sitting there for the past hour as still as a statue, except for his unfocused eyes which flitted about the room. 

In true horror movie fashion, Agent Barnes’ screams echoed down the mountainside like an avalanche, sending animals fleeing in terror for miles around.

** *** **

Local LEO’s had found him wandering aimlessly down a stretch of highway just outside the ruins of what had previously been Puente Antiguo, New Mexico, and ten minutes after they ran his prints Agent Romanoff had been on a quinjet to collect him. She’d been directed to the nearest hospital and found him sitting up on a bed but not responding or reacting to any of the medical staff as they buzzed around him. Agent Romanoff took a cautious step forward and held her breath as his unfocused eyes settled on her. 

“Hello James...”

An excruciating minute later the veil lifted and he attempted a smile. 

“Hey Tasha.”

She’d brought him back to base and dragged him to SHIELD’s medical bay for more tests - not that Barnes put up much of a fight, in fact he was terrifyingly compliant. The SHIELD doctors confirmed what the New Mexico doctors suspected: the bruising and electrical burns around his temples and his memory loss were indicative of some back alley version of electroshock therapy. His memories should come back in time - how long was anybody’s guess - but for the moment Agent James Barnes had no memory of the last four weeks.

Fury picked up a tablet with depressingly little information on its screen and stepped into the room, waiting for Barnes eyes to focus on him before taking a seat. 

“Agent Barnes.”

“Director.”

“I know you’re probably sick of questions by now, but I have a few more for you, if that’s alright.”

“Yeah, sure…”

It rankled Fury to no end how meak and passive Barnes seemed. Heaven help him, he missed the argumentative sonofabitch.

“What’s the last thing you remember?”

“Being called into your office.”

“What for?”

“I punched Rumlow.”

“Why?”

“He was bragging about taking advantage of a drunk woman at a club when he was last on leave. He didn’t like me calling out his shitty behaviour. He punched me, I punched him back.”

Fury sighed. He hadn't gotten a straight answer out of Barnes at the time of the incident and he couldn’t feel happy about getting one now. 

“Do you remember what happened once I called you into my office?”

His brow creased and his eyes zipped back and forth like the carriage of a printer as his mind searched for the elusive memory.

“You suspended me?”

“I did,” Fury confirmed. “For a whole month. But two weeks into it I pulled you in for a special assignment.”

Barnes tensed, shrinking in on himself. The confusion about his lost time seemed to be the only thing that got under his skin, but only when someone brought it up. Once the moment passed he forgot to be concerned about it.

Fury took pity on him. “For the past two weeks I had you running down leads on the whereabouts of Dr Jane Foster.”

“The scientist with the portals? Did she do this to me?”

“It’s not exactly her MO, but then again no law enforcement agency’s ever managed to have a confrontation with her. Never had the chance. Those portals of hers let her keep at a distance. You might have been the first person to have a face to face with her, but I can’t confirm it because I don’t know where the hell you were when this happened,” he grumbled, letting a little more of his usual exasperated tone filter through. “You missed check in by two days. The last we heard from you, you were at Culver running down leads on what you said was a potential accomplice. We found your car in Tromso, Norway, a day after you were found on the side of a road in New Mexico. You don’t appear on any security footage or speed cameras in the area. There’s no activity on your work or personal credit cards. Your activity logs on our highly secure system for the last two weeks are nonexistent, as are your call logs on your work phone. Even the messages you sent Romanoff from your personal phone complaining about your assignment have since been deleted - from her phone too. She’s real pissed about it. As far as your digital footprint is concerned you disappeared from a gas station outside Roanoke, Virginia, last week - do you know how weird it is to know you were headed out towards a place called Roanoke only to up and vanish?” He sighed at Barnes’ painful silence. “Is there anything you can remember, anything at all about Dr Foster or her accomplice? Anything that will help us catch up to you without talking to everyone on campus to figure out what you discovered?”

Barnes’ brow creased in painful confusion.

“I think… I think I saw Darth Vadar.”

Director Fury blinked. “Right…” He took a deep breath to stop himself from venting his frustrations at Barnes, the sorry bastard looked like a kicked puppy as it was. Instead he got up and tapped the tablet against the metal tabletop harder than strictly necessary. “Well, I’ll just go put out a BOLO out for Darth Vadar then.”

“Okay,” Barnes murmured, and promptly zoned out again.

Agent Romanoff exited the viewing room looking uncharacteristically unsettled. 

“I want a full detail on him at all times,” Fury ordered as he stormed off towards the elevators. Hill had just stepped off and was looking even more grim than usual. “Until his memories come back he’s vulnerable, and once they do he’ll be a target.”

“I’ll get a STRIKE team on it. Not Rumlow’s.”

“Get another one along with any assets currently not on assignment. Flood that campus, interrogate everybody. I wanna know who the hell Dr Foster’s accomplice is, and I wanna know yesterday. Understood?”

“I think we might have more pressing concerns, sir,” Hill reported, tapping at her tablet as it beeped erratically. “Coulson’s said there’s an issue with the Tesseract. Dr. Selvig read an energy surge from it fifteen minutes ago.”

“NASA didn't authorise Selvig to test phase,” he grunted, taking the tablet from Hill.

“He wasn't testing it, he wasn't even in the room. Spontaneous advancement.”

“Motherfucker.”

[mgminvestigations7]

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[mostlysignssomeportents]

A state-owned Amazon

In most of the world, the lockdown has destroyed small businesses while increasing the profits of Big Tech intermediaries like Amazon, who control access to customers on one side, and access to merchants on the other. The government of Argentina is trying to avert this fate. Their postal service is launching a "state-owned Amazon" called Correo Compras, which will offer low-cost ecommerce listings to businesses, and do fulfilment through  postal workers. https://www.correocompras.com.ar/ Correo Compras competes directly with Mercadolibre, a latinamerican ecommerce titan with a well-deserved reputation for squeezing suppliers and workers - its deliveries are made by precarious gig economy drivers. https://www.opendemocracy.net/en/oureconomy/what-would-state-owned-amazon-look-ask-argentina/ Correo Compras is making a bet: that by eliminating Mercadolibre's vast margin (45%!), it can pay workers a living wage, offer fair treatment to vendors, and still sell at competitive prices. They're also rolling out digital payments (BNA+) provided by the Banco Nacion, competing with Mercadolibre's Mercadopagos, which has seen a surge in usage and profits (thanks to high fees) since the lockdown. BNA+ also builds in instalment payments. In many ways, Argentina is well-situated to try the experiment: it has very high internet penetration, a thriving domestic tech industry, and high levels of technological literacy. It also struggles with structural poverty, thanks in part to US vulture capitalists who absorb vast amounts of its GDP to service odious debts. As Cecilia Rikap points out in her Open Democracy article on the venture, Correo Compras will give Argentine state planners access to important market information - data that currently sits in private hands thanks to digital surveillance. But while data can improve industrial policy, it can also serve state oppression. The debt that is currently crushing the company is partly the price-tag for the former military dictatorship's program of mass surveillance, torture, murder and terror. Data collected for beneficial purposes can be weaponized. The Dutch government collected data on minorities so that they could provide settlement services to them. Nazi occupiers used this data to locate minorities and ship them to camps. https://medium.com/@hansdezwart/during-world-war-ii-we-did-have-something-to-hide-40689565c550 This is not merely a historical fact. Australia's spy agencies were just caught tapping into data generated by covid exposure notification apps - data that Australians were promised would only be used for contact tracing. https://techcrunch.com/2020/11/24/australia-spy-agencies-covid-19-app-data/ It's not a mere historical fact. There are people alive in Argentina today who were spied upon, kidnapped and tortured by their government. Argentina could certainly come under the sway of a brutal dictator again - if it can happen in Brazil, it can happen in Argentina. This isn't to condemn Correo Compras. It's an exciting experiment. But it's an experiment. We should try lots of experiments. We could end the practice of worker misclassification, turning low-waged Amazon workers into employees and allowing them to unionize. That's already starting to happen. Amazon workers in Alabama - a viciously anti-union state - is having a union vote. https://www.washingtonpost.com/technology/2020/11/23/amazon-warehouse-workers-union/ States could offer postal fulfilment and startup funding for worker co-ops. They could enforce structural separation, forcing companies like Amazon to either offer a platform or sell on it, but not both. They could structure taxes so that profits from predatory listing fees were annihilated by tax liabilities. NIST could offer bug-bounties for a free/open source federated clone of Amazon's platform that any co-op could stand up and run. As always, the trick is to decide what's "infrastructure" - public goods that need public ownership - and what's a "service" that should be pluralized among many hands to make it harder to gain and abuse power (even state power).

[research-on-future]

Debt Collection Software Market Future Developments, Companies, Trends, Share and Size Forecast

ReportsnReports has uploaded a latest report on Debt Collection Software Industry from its research database.  Debt Collection Software Market is segmented by Regions/Countries. All the key market aspects that influence the Debt Collection Software Market currently and will have an impact on it have been assessed and propounded in the Debt Collection Software Market research status and development trends reviewed in the new report.

 The new tactics of Debt Collection Software Industry report offers a comprehensive market breakdown on the basis of value, volume, CAGR, and Y-o-Y growth. For business robust expansion, the report suggests new tools and technology development will drive to boom in the near future by 2027. The Debt Collection Software Market report provides a comprehensive outline of Invention, Industry Requirement, technology and production analysis considering major factors such as revenue, investments and business growth.

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 Debt Collection Software Market Regional Analysis –

USA

Canada  

Germany  

France  

UK

Italy  

Russia  

China  

Japan  

South Korea

India  

Australia  

Turkey  

Saudi Arabia  

UAE  

Mexico  

Brazil

 Next, learn how to build the strategy and business case to implement. Learn about Debt Collection Software Market and how it can provide value to your business. In this market, you will find the competitive scenario of the major market players focusing on their sales revenue, customer demands, company profile, import/export scenario, business strategies that will help the emerging market segments in making major business decisions. This report also studies the market competition landscape, market drivers and trends, opportunities and challenges, risks and entry barriers, sales channels, distributors and Porter’s Five Forces Analysis.

 Debt Collection Software Industry discovers diverse topics such as regional market scope, product-market various applications, market size according to a specific product, Debt Collection Software Market sales and revenue by region, manufacturing cost analysis, industrial chain, market effect factors Analysis, and more.

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Cloud-Based On-Premise

 Market segment by End Users, split into:

Collection Agencies Finance Companies Retail Firms Law Firms & Government Departments Others

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 Debt Collection Software Market Analysis

In the competitive analysis section of the report, leading as well as prominent players of the Debt Collection Software market are broadly studied on the basis of key factors. The report offers comprehensive analysis and accurate statistics on revenue by the player for the period 2015-2021. It also offers detailed analysis supported by reliable statistics on price and revenue (Global level) by player for the period 2015-2021.

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Experian FIS CGI Transunion CollectOne (CDS Software) Comtronic Systems Quantrax Corp CollectPlus (ICCO) Comtech Systems Codix Katabat Decca Software Codewell Software Adtec Software JST CollectMax Indigo Cloud Pamar Systems TrioSoft InterProse Cogent (AgreeYa) Kuhlekt Lariat Software Case Master

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[bellmercantileaus]

Managing the Debt Collection Landscape: Comprehending Debt Collectors in Victoria

Debt collection is a crucial aspect of financial management for both individuals and businesses alike. In Victoria, like in many other regions, the services of debt collectors play a significant role in recovering outstanding debts and ensuring the financial stability of creditors. Understanding the role and responsibilities of debt collectors in Victoria is essential for both debtors and creditors alike.

Debt Collectors in Victoria are professionals or agencies tasked with the responsibility of pursuing overdue debts on behalf of creditors. Their primary objective is to recover the outstanding amounts owed while adhering to legal and ethical standards. These professionals employ various strategies and techniques to communicate with debtors, negotiate repayment plans, and ultimately recover the debt owed.

One of the key responsibilities of debt collectors in Victoria is to ensure compliance with relevant laws and regulations governing debt collection practices. In Australia, debt collection is regulated by laws such as the Australian Consumer Law and the Australian Securities and Investments Commission (ASIC) Act, which outline the rights and obligations of both debtors and collectors. Debt collectors in Victoria must adhere to these laws to ensure fair and ethical practices throughout the debt recovery process.

Moreover, debt collectors in Victoria must also maintain professionalism and empathy when dealing with debtors. While their primary goal is to recover the debt owed, it is essential for collectors to treat debtors with respect and dignity, recognizing that financial difficulties can be stressful and challenging for individuals. Effective communication and negotiation skills are vital for debt collectors to engage with debtors in a constructive and empathetic manner.

In conclusion, debt collectors play a crucial role in the financial ecosystem of Victoria, facilitating the recovery of overdue debts while ensuring compliance with relevant laws and ethical standards. By understanding the responsibilities and practices of debt collectors in Victoria, both debtors and creditors can navigate the process of debt collection with clarity and confidence, ultimately working towards resolving outstanding debts in a fair and equitable manner.

More Info

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