Wall Street recognizes the value generated by successful debt purchasing companies, but it is quick to react negatively to escalating portfolio prices, executive and employee turnover, and revenue recognition issues.

European debt purchasing and receivables management market leaders will generate strong interest in 2006 due to the expected growth potential of those markets over the next several years. In the U.S., small and mid-sized agencies that are specialized in fast-growing niche markets, such as the government, healthcare and commercial industries, will also be considered attractive acquisition targets by larger players that are in need of diversifying their service offerings and market focus.

If you paid down credit-card debt that would reduce the net value of your savings.

Consumers are very concerned with value given high gas prices, interest-rate increases and high debt levels.

The best way to deal with credit card debt is to educate yourself.

We are paid to create shareholder value, ... At the moment, we see the only way to create value is to concentrate on our core businesses.