Debt Collection Statistics


I'm looking for the average recovery rate for a porfolio of delinquent debt.

This can be a national average or regional or by state.

For instance, given a $1M portfolio of charged-off loans, what is the
percentage that can be recovered by a collection agency?


I'd like to see averages by types of debt, if possible. The following
are some types of debt:

  Credit Card (Visa, Master Card, Discover)etc. 

  Auto deficiencies

  Medical and health care receivables
  
  Student loans

  Commercial loans

  Residential loans


I'd also like to see recovery rates for portfolios based on the number
of agencies that have worked the portfolio:

  Zero agency or Non-worked portfolios

  1st agency

  2nd agency


Thank you.

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Request for Question Clarification by pafalafa-ga on 06 Apr 2006 19:51 PDT

jedidad-ga,

I know I've seen recovery rate numbers during research for some of my
previous Qs&As here, so the data is out there.

However, I'd be reluctant to jump into your question as it's currently
worded, since it's not very clear what would make for an acceptable
answer.

You've asked for about a dozen discrete pieces of information. 
Suppose a researcher only finds a few of these...will our research
have been wasted, or will those few, alone, make for an acceptable
answer?

I'm sure you can see our dilemma.  Whatever additional guidance you
can offer would be most helpful.

Thanks,

pafalafa-ga

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Clarification of Question by jedidad-ga on 07 Apr 2006 09:36 PDT

I apologize if my questions was too vague. Let me try again:

An acceptable answer would answer the following:

A) Based on a non-worked or Zero Agency portfolio:

1. What is the average recovery rate for a portfolio of delinquent
credit card debt?

2. What is the average recovery rate for a portfolio of delinquent
commercial loans?

3. What is the average recovery rate for a portfolio of delinquent
residental loans?

4. What is the average recovery rate for a portfolio of delinquent student loans?

B) I would like answers to questions 1 thru 4 based on a "1st agency"
portfolio (a porfolio that has been worked by one collection agency).

C) I would like answers to questions 1 thru 4 based on a "2nd agency" portfolio.


I hope this helps.
Thanks.