Post-chargeoff recovery strategies are being influenced by lower absolute write-off volumes, agency consolidation, and changing portfolio valuations in the debt sale market. These factors, compounded by rigorous internal compliance controls and regulatory requirements, are causing constant operational change and reassessment of contractual and non-contractual recovery strategies. Participating companies share approaches to optimize P&L impact, effectively manage vendors, and ensure operational and regulatory compliance, while simultaneously focusing on customer experience and operating expense management.