American consumer facing credit card bills and court papers beside financial data representing Encore Capital Group's debt-buying business Economy

When Default Becomes Profit: The Debt-Buying Machine

Encore Capital Group’s 2026 financial growth shows how charged-off consumer debt can become a highly profitable asset. The analysis examines portfolio purchases, litigation, default judgments, garnishment and the household distress feeding the debt-buying industry.

by Som Bentur
American commuter beside a modern vehicle with auto loan paperwork, payment figures and depreciation data illustrating rising US car ownership costs Economy

Why Does Your Car Cost So Much? The Four-Figure Commute

The average cost of owning and operating a new vehicle reached $12,863 a year in 2026. Depreciation, high financing costs, negative equity and rising delinquencies are deepening the financial burden on American households.

by Som Bentur