The Forbes Files | Jeffery Hartman

The Forbes Files

Amateurs react to the market. Architects predict it. Below is the Verified and published in Forbes years ago. While the industry was buying dialers, I was writing the roadmap for 2026. Swipe to see the evolution.

Dec 2019

How Automation Can Improve Debt Collection

The Don's Retrospective:

"I predicted the AI Agent revolution 5 years ago. While you were buying dialers, I was writing the roadmap for automation."

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Jan 2020

Starting a Debt Collection Agency from Home

The Don's Retrospective:

"The 'Remote Agency' model is dead. The new model is the 'Cloud-Native Fintech.' Stop building call centers in your basement; build data centers."

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Jan 2020

How to Become a Passive Debt Investor

The Don's Retrospective:

"Passive investing is for tourists. In 2026, you need to be an Active Liquidity Architect. Use this to pivot to Debt Catalyst."

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Mar 2020

Four Keys of a Successful Strategy

The Don's Retrospective:

"The 4 Keys have changed. It used to be 'Persistence.' Now it is 'Propensity Scoring.' Efficiency beats effort every time."

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Apr 2020

Should the Industry Stop in Crisis?

The Don's Retrospective:

"Crisis reveals character. I led through COVID. I am leading through the 2026 Credit Crunch. Stability is the only asset."

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May 2020

Remote Work Benefits

The Don's Retrospective:

"Remote work was just step one. The next step is Autonomous work. Your staff isn't just remote; they are digital."

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July 2020

When to Hire an Agency

The Don's Retrospective:

"Don't hire an agency. Buy the debt and control the recovery. The agency model is broken; the Master Servicer model is the future."

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The Unified Theory: From Prediction to Protocol

When I wrote these mandates in 2019 and 2020, the industry called them "radical." They were still buying server racks and hiring call center managers. I was arguing for the Cloud, Automation, and Asset Liquidity.

Today, looking at the 2026 horizon, these aren't predictions anymore; they are the Standard Operating Procedure for any solvent financial institution. The "Remote Agency" became the Fintech. The "Passive Investor" became the Data Miner.

This archive serves as proof that my strategies are not reactions to the market—they are anticipations of it. If you want to know where the debt market goes next, stop looking at the past. Partner with an Active Liquidity Architect today.