In debt collection, communication is critical for making payments happen, yet poor email deliverability costs agencies millions each year. Undelivered emails mean missed payments, operational inefficiencies, and compliance risks.

Here’s why email deliverability matters, the challenges agencies face, and actionable solutions to optimize your email strategy and drive better results.

Why your emails aren’t reaching debtors

Spam filters

• Trigger: Phrases like "Act now!", “Affordable” or "Click here" land your emails in spam folders.
• Impact: Every flagged email means a delayed payment and another day chasing debtors.

Outdated Email Lists

• Trigger: High bounce rates from old or invalid addresses harm your sender's reputation.
• Impact: Agencies using outdated lists see a 30% drop in email delivery rates.

Generic Bulk Emails

• Trigger: Generic bulk emails trigger spam filters, increasing bounces and spam complaints, which signal email providers to limit inbox delivery.
• Impact: Damaged sender reputation reduces future deliverability, causing more emails to land in spam folders and lowering audience engagement.

Why Email Deliverability Matters

Email deliverability ensures that your messages reach debtors' inboxes, making it a critical factor in securing payments and maintaining compliance.

• Missed Recoveries: Spam filters or undelivered emails prevent payments, costing mid-sized agencies up to $70,000 monthly.
• Compliance Failures: If the MVN isn't delivered or lands in spam, the debtor may claim they weren't properly informed about the debt or their rights. Failing to deliver mandatory notices like MVNs can lead to lawsuits and penalties.
• Reputation Damage: Poor deliverability rates harm your domain reputation, making it even harder for future messages to reach inboxes.

Undelivered emails cost agencies revenue, resources, and legal security. Addressing this problem is no longer optional—it’s critical for operational success.

{{cta-banner}}

How To Improve Your Email Deliverability

Improving email deliverability starts with understanding the areas that require attention and taking targeted actions. The checklist below highlights actionable steps to address common challenges, helping you ensure your emails reach debtors, engage effectively, and drive better recoveries.

What’s next?

Undelivered emails don’t just disappear – they hold back your recoveries, increase compliance risks, and damage your reputation.

Take control of your email strategy:

• Audit your deliverability: Check bounce rates, domain reputation, and engagement.
• Spot weak links: Outdated lists, spam flags, and deliverability issues.
• Optimize your approach: Clean up lists, craft better content, and improve delivery rates.

By monitoring your email deliverability, you can uncover hidden barriers and unlock better outcomes for your agency.