I'm kinda dubious of the crowing when it doesn't come with a baseline figure of what they would have expected to collect in the same timeframe without the progr

I'm kinda dubious of the crowing when it doesn't come with a baseline figure of what they would have expected to collect in the same timeframe without the program. A common way high net worth people end up delinquent is that they had a windfall like selling a business or appreciated property which they managed poorly or which was genuinely complicated (e.g. due to international issues), resulting in a temporary liquidity problem or just uncertainty over what they needed to pay. Particularly with the low interest rates historically it was just no big deal to be a bit delinquent while you work things out or solve your liquidity... but still be on track to eventually pay it. I wouldn't be too surprised if a careful analysis showed most of this recovery was already expected based on historical behavior and that if there was any excess higher interest rates were the main driver.