{"id":46431,"date":"2026-02-27T11:41:49","date_gmt":"2026-02-27T16:41:49","guid":{"rendered":"https:\/\/www.openintl.com\/ambienteTrabajo2\/is-it-possible-to-recover-debt-effectively-without-sacrificing-empathy-another-challenge-for-utilities\/"},"modified":"2026-03-16T14:55:38","modified_gmt":"2026-03-16T19:55:38","slug":"is-it-possible-to-recover-debt-effectively-without-sacrificing-empathy-another-challenge-for-utilities","status":"publish","type":"post","link":"https:\/\/www.openintl.com\/ambienteTrabajo2\/en-emea\/is-it-possible-to-recover-debt-effectively-without-sacrificing-empathy-another-challenge-for-utilities\/","title":{"rendered":"Is it possible to recover debt effectively without sacrificing empathy? another challenge for utilities"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"46431\" class=\"elementor elementor-46431 elementor-46425\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"has_eae_slider elementor-element elementor-element-1583b6b e-flex e-con-boxed e-con e-parent\" data-eae-slider=\"83685\" data-id=\"1583b6b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa66f43 elementor-widget elementor-widget-text-editor\" data-id=\"fa66f43\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW142673520 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW142673520 BCX0\">Traditional debt management can be effective, but it often lacks empathy toward the reality of households. Today, the true challenge lies in transforming collections into an intelligent and human-centric process. To achieve this, utilities\u00a0<\/span><span class=\"NormalTextRun SCXW142673520 BCX0\">require<\/span><span class=\"NormalTextRun SCXW142673520 BCX0\">\u00a0a unified customer management platform that, by integrating critical data and processes with advanced technology, can deploy AI-powered proactive actions,\u00a0<\/span><span class=\"NormalTextRun SCXW142673520 BCX0\">segment<\/span><span class=\"NormalTextRun SCXW142673520 BCX0\">\u00a0vulnerable customers,\u00a0<\/span><span class=\"NormalTextRun SCXW142673520 BCX0\">flexibly create<\/span><span class=\"NormalTextRun SCXW142673520 BCX0\">\u00a0<\/span><span class=\"NormalTextRun SCXW142673520 BCX0\">assistance<\/span><span class=\"NormalTextRun SCXW142673520 BCX0\">\u00a0programs, and enable a truly omnichannel collection ecosystem. Discover how to ensure the financial health of your operation while protecting the relationship with your customers.<\/span><\/span><span class=\"EOP SCXW142673520 BCX0\" data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"has_eae_slider elementor-element elementor-element-663ae37 e-flex e-con-boxed e-con e-parent\" data-eae-slider=\"2494\" data-id=\"663ae37\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-47e9d4b elementor-widget elementor-widget-text-editor\" data-id=\"47e9d4b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Increasing debt: a global challenge testing traditional utility management<span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3><p><span data-contrast=\"none\">The increasing customer debt in the utility industry has become one of the primary global financial strains. This issue reflects the combined impact of energy inflation, the rising cost of living, and the greater economic vulnerability of households, which has created distinct scenarios across different regions:\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">In North America, for example,\u00a0according to\u00a0NEADA [1],\u00a0nearly 21.5\u00a0million households (1 in 6\u00a0households) are behind on their energy bills. At the close of March 2025, outstanding debt in the U.S. reached USD 21.4 billion, a historic figure that compromises the sector&#8217;s liquidity.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"none\">In Europe, according to Eurostat\u00a0[2],\u00a06.9%\u00a0of European\u00a0households\u00a0already\u00a0report systematic\u00a0payment arrears, facing growing regulatory pressure that limits service disconnection actions to protect vulnerable consumers.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"none\">In Latin America, the outlook is equally critical; in Colombia, according to Forbes [3], debt projections for 2025 reach 7.6 trillion COP. This figure includes not only end-user delinquency but also debt accumulated from unpaid\u00a0subsidies to companies.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li><\/ul><p><span data-contrast=\"none\">Despite regional variations, utilities face a common denominator: a debt collection management process that is increasingly complex and bounded by regulatory frameworks designed to protect vulnerable consumers. In this global scenario, delinquency is a structural risk that threatens cash flow and the financial sustainability of the sector. However, the crisis is not only economic but also social; traditional collection methods are deteriorating\u00a0customers\u00a0relationships, increasing pressure on companies,\u00a0and forcing them to transform their credit and engagement strategies toward more human and efficient models.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"none\">Utilities need to modernize their strategies and adapt to a new era where empathy, automation, and flexibility have become essential elements of their\u00a0collection strategy. Given this context, the question is no longer how to maximize debt recovery, but how to do so without compromising\u00a0customer relationships.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><h3>How\u00a0Smartflex\u00a0revolutionizes debt management with empathy and technology<span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3><p><span data-contrast=\"none\">Smartflex\u00a0acts as the strategic core of the operation, offering 360\u00b0 management that enables a shift from reactive billing to a proactive approach.\u00a0Here,\u00a0operational\u00a0efficiency stops\u00a0being an\u00a0aspiration and becomes a reality; where others see magic,\u00a0Smartflex\u00a0implements advanced engineering to unify operations and strengthen delinquency management through essential capabilities:<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><ul><li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"Calibri\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Accurate Billing and Revenue Management:<\/span><\/b><span data-contrast=\"none\">\u00a0Smartflex\u00a0accelerates cash flow through traceable and automated billing. This not only ensures that the charge is correct from the start but also drastically reduces errors, claims, and commercial losses that typically fuel delinquency. In fact,\u00a0Smartflex\u00a0implementations have\u00a0demonstrated\u00a0a 43% reduction in billing processing times, directly\u00a0impacting\u00a0liquidity and operational efficiency. This performance addresses the structural risks that threaten cash flow and the financial sustainability of the utility sector.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"Calibri\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Intelligent Segmentation with Embedded AI:<\/span><\/b><span data-contrast=\"none\">\u00a0The platform\u00a0utilizes\u00a0analytics to transform data into immediate decisions. Using embedded Artificial Intelligence (AI), it\u00a0could\u00a0predict non-payment risks and create profiles based on real habits, allowing the platform to activate intelligent workflows. This enables debt management teams to act with maximum precision and offer personalized solutions before debt escalates.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"Calibri\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Automation\u00a0and\u00a0Flexibility:<\/span><\/b><span data-contrast=\"none\">\u00a0Thanks\u00a0to\u00a0its\u00a0rules-based\u00a0design,\u00a0Smartflex\u00a0facilitates\u00a0the\u00a0agile\u00a0creation\u00a0of\u00a0automated\u00a0collection\u00a0plans\u00a0and\u00a0assistance\u00a0programs.\u00a0This\u00a0allows\u00a0utilities\u00a0to\u00a0offer\u00a0timely\u00a0payment\u00a0options\u00a0and\u00a0financial\u00a0relief\u00a0plans\u00a0that\u00a0adapt\u00a0to\u00a0specific\u00a0circumstances.\u00a0<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li><\/ul><ul><li aria-setsize=\"-1\" data-leveltext=\"%1.\" data-font=\"Calibri\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Omnichannel Engagement and Proactive Relationships:<\/span><\/b><span data-contrast=\"none\">\u00a0The platform drives digital adoption, allowing\u00a0<\/span><b><span data-contrast=\"none\">customers<\/span><\/b><span data-contrast=\"none\">\u00a0to resolve inquiries, manage payment agreements, and perform transactions 24\/7 without friction. With this model, utilities\u00a0using\u00a0Smartflex\u00a0\u00a0have\u00a0processed\u00a0over 37% of their payment agreements through\u00a0our\u00a0digital self-service\u00a0portal, significantly reducing operational collection costs\u00a0and freeing up human team capacity for more complex cases.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/li><\/ul><p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><h3>Improving profitability and customer relations<span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3><p><span data-contrast=\"none\">Smartflex\u00a0not only helps improve operational efficiency but also strengthens the bond\u00a0with customers\u00a0through empathetic\u00a0debt\u00a0management. With our platform, utilities recover revenue and ensure financial stability without compromising customer satisfaction or resorting to extreme disconnection measures.<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><h3>Do you want to learn more about how a unified platform can transform your utility company?<span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3><p><span data-contrast=\"none\">Don&#8217;t\u00a0miss our session at the\u00a0<\/span><b><span data-contrast=\"none\">Credits and Collections Deep Dive<\/span><\/b><span data-contrast=\"none\">\u00a0during the next edition of\u00a0<\/span><b><span data-contrast=\"none\">IUCX<\/span><\/b><span data-contrast=\"none\">, the premier international event for customer experience leaders in the utility sector. We will be discussing how a Unified Customer Operations Platform can help utilities become more profitable and improve customer satisfaction. We look forward to seeing you there!<\/span><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><h3>References<span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3><p><span data-contrast=\"none\">[1] National Energy Assistance Directors Association. (2026,\u00a0febrero).\u00a0<\/span><i><span data-contrast=\"none\">Energy Hardship Report: February 2026 Update<\/span><\/i><span data-contrast=\"none\">\u00a0[Presentaci\u00f3n de PowerPoint].\u00a0<\/span><a href=\"https:\/\/www.google.com\/search?q=https:\/\/neada.org\/wp-content\/uploads\/2026\/02\/energyhardshipfeb26.pptx\"><span data-contrast=\"none\">https:\/\/neada.org\/wp-content\/uploads\/2026\/02\/energyhardshipfeb26.pptx<\/span><\/a><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"none\">[2] Eurostat. (2024).\u00a0<\/span><i><span data-contrast=\"none\">Arrears on utility bills &#8211; EU-SILC survey<\/span><\/i><span data-contrast=\"none\">\u00a0[Conjunto de\u00a0datos].\u00a0<\/span><span data-contrast=\"none\">European\u00a0Commission.\u00a0<\/span><a href=\"https:\/\/ec.europa.eu\/eurostat\/databrowser\/view\/ILC_MDES07\/default\/table\"><span data-contrast=\"none\">https:\/\/ec.europa.eu\/eurostat\/databrowser\/view\/ILC_MDES07\/default\/table<\/span><\/a><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"none\">[3] Forbes Colombia. (2025, 12 de mayo).\u00a0<\/span><i><span data-contrast=\"none\">Contralor\u00eda y Procuradur\u00eda advierten que deuda de $7,6 billones del Gobierno amenazan la prestaci\u00f3n de servicios de gas y energ\u00eda<\/span><\/i><span data-contrast=\"none\">.\u00a0<\/span><a href=\"https:\/\/forbes.co\/2025\/05\/12\/actualidad\/contraloria-y-procuraduria-advierten-que-deuda-de-76-billones-del-gobierno-amenaza-la-prestacion-de-servicios-de-gas-y-energia\"><span data-contrast=\"none\">https:\/\/forbes.co\/2025\/05\/12\/actualidad\/contraloria-y-procuraduria-advierten-que-deuda-de-76-billones-del-gobierno-amenaza-la-prestacion-de-servicios-de-gas-y-energia<\/span><\/a><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"has_eae_slider elementor-element elementor-element-6617e52 e-flex e-con-boxed e-con e-parent\" data-eae-slider=\"68896\" data-id=\"6617e52\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b217710 elementor-widget elementor-widget-html\" data-id=\"b217710\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"hs-cta-embed hs-cta-simple-placeholder hs-cta-embed-208387087886\"\r\n  style=\"max-width:100%; max-height:100%; width:900px;height:392px\" data-hubspot-wrapper-cta-id=\"208387087886\">\r\n  <a href=\"https:\/\/cta-service-cms2.hubspot.com\/web-interactives\/public\/v1\/track\/redirect?encryptedPayload=AVxigLIF8Iz21qDxOWokMEO9U1S2I3ZTgLSAU%2Bk3Wttq4Yd4g%2B7BuUKz5cDnR4K40gSs9MisE3M%2FBoN9zE7W75MoLywIIddfaceNVpiaJHFdx3ZK92biQL5glvs0Rs%2F4wJ8qKRAUu%2FjdD6EvTY1hzuN%2FIxmUGmxWAYf0QApuW%2B98xyuw&webInteractiveContentId=208387087886&portalId=2545432\" target=\"_blank\" rel=\"noopener\" crossorigin=\"anonymous\">\r\n    <img decoding=\"async\" alt=\"Is your CIS holding you back more than it&rsquo;s enabling you?\" loading=\"lazy\" src=\"https:\/\/no-cache.hubspot.com\/cta\/default\/2545432\/interactive-208387087886.png\" style=\"height: 100%; width: 100%; object-fit: fill\"\r\n      onerror=\"this.style.display='none'\" \/>\r\n  <\/a>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Traditional debt management can be effective, but it often lacks empathy toward the reality of households. Today, the true challenge lies in transforming collections into an intelligent and human-centric process. To achieve this, utilities require a unified customer management platform that, by integrating critical data and processes with advanced technology, can deploy AI-powered proactive actions, segment vulnerable customers, flexibly create assistance programs, and enable a truly omnichannel collection ecosystem. Discover how to ensure the financial health of your operation while protecting the relationship with your customers. <\/p>\n","protected":false},"author":9,"featured_media":46391,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9465],"tags":[],"class_list":["post-46431","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-industry-articles-en-emea","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-33"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.4 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Is it possible to recover debt effectively without sacrificing empathy? another challenge for utilities<\/title>\n<meta name=\"description\" content=\"Traditional debt management can be effective, but it often lacks empathy toward the reality of households.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is it possible to recover debt effectively without sacrificing empathy? 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