This interview with Clive Jones, (former) Head of Revenues and Benefits at Luton Borough Council takes a deep dive into their efforts to recover debt using Equifax's Propensity to Pay services. Clive describes the challenges they faced, why they chose Equifax, and the benefits that the partnership delivered to the council and its citizens. Including, for example, more debt intelligently and fairly collected, and a strong return on investment - which in turn helped to support other activities.