Debt Manager from C&R Software

Take control of collections and recovery

Empower your team with Debt Manager's intelligent workflows and comprehensive data views. Create personalized strategies that deliver measurable results.

What is Debt Manager?

Collections reimagined

Debt Manager is a comprehensive debt collections solution managing the entire risk lifecycle. Built on 40+ years of industry expertise, it handles over $8 trillion in active accounts while serving hundreds of thousands of users worldwide.
C&R Software blends its battle tested solutions with agentic AI and cloud native technology, rapid implementation, and a commitment to continual innovation. The debt management collection system stands as a true change leader, meeting stability and speed demands in today’s dynamic financial landscape.
Comprehensive collections management
Comprehensive collections management
Benefit
Unify the entire collections lifecycle from pre-delinquency to legal recovery in a single solution. Overcome fragmentation and ensure a consistent approach across 650+ different types of debt.
Context-sensitive interface
Context-sensitive interface
Benefit
Experience FitAgent, Debt Manager's intelligent, user-friendly interface. Automatically view the right information at the right time, based on account status, customer situation, and organizational policies.
Advanced financial processing
Advanced financial processing
Benefit
Handle sophisticated payment processing, settlement offers, payment plans, and account adjustments that intelligently distributes payments across multiple accounts and charge types.
Relationship driven recovery
Relationship driven recovery
Benefit
Leverage comprehensive relationship mapping connecting customers, accounts, and collateral to provide a complete view of financial obligations.
Configurable without coding
Configurable without coding
Benefit
Administrators need the ability to implement new strategies, easily extract data, and make changes to the user interface without requiring IT help. FitAdmin is the answer. Administrators modify processes and interfaces to match organizational requirements and preferences.
Enterprise scale security
Enterprise scale security
Benefit
Take advantage of PCI-certified protection for sensitive financial data. Advanced cloud and cybersecurity protocols safeguard operational integrity against emerging threats.

Discover key features

End-to-end debt collection
management system

Wavy background

Collections management

Centralize your collections process in one solution that seamlessly connects with your existing systems. Say goodbye to scattered collection tools that create inconsistent customer experiences and operational inefficiencies.

This is how we differ

Automated AI collections solution

Debt Manager is agile, flexible, and fast paced, ideal for growing fintechs.

Unlike fragmented solutions that create inconsistent customer experiences and operational inefficiencies, Debt Manager centralizes your entire collections process in one system that seamlessly connects with your existing platforms.

Testimonials

Proven results

“Smarter segmentation, better results. Take the eLearning classes, that made a difference for our team.”

Regional Leader, Debt Collection

Top 5 South Africa Bank

“What can I say? We’ve managed more than 20 million accounts seamlessly for decades.”

Senior Manager, Consumer Financial Wellbeing

Top 10 UK Bank

“Debt Manager is our single source of truth, and has been for a long, long time.”

VP, Strategy, Analytics and Data Governance

Top 10 UK Bank

“Real time analytics help us predict outcomes and optimize every step in the recovery process.”

Head of Recovery

Top 5 Bank, Central Europe

“Our agents resolve cases faster with access to customer data and history.”

Head of Consumer Strategy

Top 3 US Retailer

“Debt Manager’s AI-native tools turn our data into actionable, predictive strategies.”

VP, Implementation and Success

Regional Bank, Midwestern US

Smart, integrated tools

Debt Manager add-ons

Add-on
FitLogic
For Debt Manager
Better decisioning everywhere
Debt Manager’s internal decision engine, fully integrates with services including autoAR, Job Actions, Eligibility, and more using the low code/no-code, drag and drop dashboard.
Add-on
Zel AI
For Debt Manager
Intelligent collections powered by AI
Optimize every customer interaction with AI-powered insights that increase efficiencies and drive better outcomes.
Add-on
FitComms
For Debt Manager
Simplify communications
Engage customers through their preferred channels with personalized, timely messaging that increases response rates and payments.
Add-on
SpringFour
For Debt Manager
Connect customers to financial resources
Boost payment rates while helping customers in hardship access 25,000+ vetted financial resources nationwide.
Add-on
Cara AI
For Debt Manager
24/7 self-service collections
Empower customers to manage accounts anytime using our AI chatbot.
Add-on
Callout Services
For Debt Manager
Seamless real time integration
Connect systems instantly through simple configuration rather than complex coding, cutting integration time by up to 75%.

Our expertise in collections

Debt Manager: A growing trend for fintechs

$8 trillion+
managed globally
60+
countries with active clients
40 years
of domain expertise built into the platform
20+
industries served, from banking to healthcare to telecommunications
Built for organizations demanding flexibility, scalability, and performance in their collections operations. From day one, it empowers teams to work smarter, adapt faster, and deliver results with confidence.
  • Comprehensive Solution: Centralize your entire collections process in one system, eliminating silos and fragmented approaches
  • Fintech Focused: Fast time to value, designed to support growth through seamless integration and agility.
  • Context Sensitive Interface: Provide teams with exactly what they need when they need it, reducing training time and increasing efficiency
  • Relationship Driven Recovery: Understand the complete customer financial picture to create more effective, personalized strategies
  • Enterprise Scale Security: Operate with confidence using a PA-DSS & PCI-DSS certified platform with robust security controls
  • Proven Results: Trusted by five of the top ten UK banks, seven of the top 15 US banks, and hundreds of financial institutions worldwide