Debt Manager
From C&R Software
Debt Manager collections and recovery software
Bring account information, decision rules, financial processing, and customer interactions into one configurable platform. Give your team the tools to manage collections and recovery as accounts, policies, and customer circumstances change.
What is Debt Manager
A configurable platform for the full collections lifecycle
Debt Manager is C&R Software’s collections and recovery platform. It supports pre-collection, collections, charge-off, and recovery, connecting account processing with workflows, decision management, communication tools, and agent activity.
Built on 40+ years of industry expertise, the solution handles over $8 trillion in active accounts while serving hundreds of thousands of users worldwide.
Full lifecycle account management
BenefitCoordinate activity from pre-collection through recovery, with workflows for standard treatment and specialist processes such as disputes, legal review, and repossession.
Context-sensitive FitAgent interface
BenefitPresent customer, account, or case information according to product, delinquency stage, user role, and recorded circumstances.
Configurable financial processing
BenefitManage balances, arrangements, settlements, adjustments, reversals, and payment allocation through defined processing rules.
A connected customer view
BenefitBring relevant customer and account information together so agents can understand the current position and outstanding actions.
Configuration through FitAdmin
BenefitAdapt data views, layouts, workflows, and available actions through administration tools rather than relying on code-level changes for every requirement.
Security and traceability
BenefitApply role-based access, authentication, encryption, and detailed records of account activity and data changes.
Inside Debt Manager
Collections management
Configure workflows for collections, disputes, support requests, legal activity, repossession, and third-party engagement. Route accounts and tasks according to your approved rules.
Collections management
Configure workflows for collections, disputes, support requests, legal activity, repossession, and third-party engagement. Route accounts and tasks according to your approved rules.
Context sensitive interface
FitAgent presents information and actions at customer, account, and case levels. Configure experiences by product, delinquency stage, role, and recorded circumstances.
Advanced financial processing
Define financial buckets, interest methods, fee structures, adjustments, and reversal processing. Track balances and transactions across the account lifecycle.
Customer and account context
Give collectors access to relevant account information, previous activity, and available actions in one working environment.
Configurable without code-level customization
Use FitAdmin and configuration tools to modify workflows, data views, layouts, and permissions. Promote approved configuration changes through development, testing, and production environments.
Security and auditability
Control access through roles and privileges. Protect data with encryption and authentication, and retain records of views, updates, and other account activity.
Payment processing
Configure payment schedules and allocation across accounts and financial buckets. Integrate with payment processors for scheduled and ad hoc payments.
Event driven communications
Trigger configured outreach from account activity. Use existing communication providers or FitComms for email and SMS delivery.
Team and partner coordination
Model organizational responsibilities and route tasks between teams. Provide approved third parties with role-based account access through FitPortal.
Decision management
Use FitLogic to author rules, simulate strategies, incorporate predictive models, and apply champion/challenger testing. Review decision flows and their outcomes.
Cloud native SaaS
Run Debt Manager SaaS in the C&R Cloud on AWS, with cloud infrastructure and ongoing service improvements supporting the platform.
Configure Debt Manager around your operation
From early collections to specialist recovery
Debt Manager supports different workflows for different stages and responsibilities. Configure routing, account information, available actions, and approval requirements around the way your teams work.
Coordinate initial outreach and account review before problems become more complex.
Solution
Capabilities
- Define treatment schedules for approved customer segments.
- Trigger communications through configured channels and rules.
- Record payment commitments and route accounts into monitoring workflows.
- Present relevant information and actions through FitAgent.
Connect agent activity, account decisions, and financial updates.
Solution
Capabilities
- Route accounts and tasks by configured conditions.
- Adjust workflows when payments or commitments are recorded.
- Manage arrangements and payment allocation.
- Apply required review steps and contact restrictions.
Manage the account processing and decisions needed after charge-off.
Solution
Capabilities
- Define balances, interest, fees, and payment application rules.
- Process adjustments and reversals.
- Record settlement requests and route them for authorization.
- Apply configured recovery strategies and monitor outcomes.
Coordinate legal review and related tasks within the account process.
Solution
Capabilities
- Route accounts into specialist legal workflows.
- Assign tasks and approval responsibilities.
- Configure relevant account fields and agent views.
- Maintain records of account actions and changes.
Connect repossession activity to account status and approved processing rules.
Solution
Capabilities
- Configure specialist repossession workflows.
- Route tasks to the appropriate team.
- Respond to relevant account events.
- Configure pending actions to stop or change when a payment posts.
Manage agency placements and access without losing account visibility.
Solution
Capabilities
- Distribute accounts using configured placement rules.
- Record partner updates and route exceptions.
- Apply recall and replacement rules.
- Provide authorized access through FitPortal and review placement performance.
Every capability, explained
This guide breaks down exactly how Debt Manager works. Explore the FitAgent interface collectors use every day to the AI framework running inside the platform.
What clients say about Debt Manager
“Smarter segmentation, better results. Take the eLearning classes, that made a difference for our team.”
“What can I say? We’ve managed more than 20 million accounts seamlessly for decades.”
“Debt Manager is our single source of truth, and has been for a long, long time.”
“Real time analytics help us predict outcomes and optimize every step in the recovery process.”
“Our agents resolve cases faster with access to customer data and history.”
“Debt Manager’s AI-native tools turn our data into actionable, predictive strategies.”
Debt Manager ecosystem
Extend your collections operation
Zelas AI
For Debt Manager
Explore AI capabilities for Debt Manager
Built, test, and deploy AI agents for any use case within the collections environment.
Callout Services
For Debt Manager
Connect external systems in real time
Configure outbound API calls to exchange information with connected systems.
FitComms
For Debt Manager
Email and SMS delivery from your workflows
Populate message templates with account data and deliver communications when Debt Manager triggers outreach.
Cara AI
For Debt Manager
Explore customer self service
Empower customers to manage accounts anytime using our AI chatbot.
SpringFour
For Debt Manager
Connect customers with financial resources
Help customers find nonprofit and government support for essentials such as food, utilities, transportation, and childcare.
FitPortal
For Debt Manager
Secure access for third parties
Let authorized partners search, view, and act on assigned accounts through role-based access.
AYDA
For Debt Manager
Explore collections data and performance
Build interactive dashboards and use plain-language questions to generate visualizations or summaries from Debt Manager data.
- Add-on
Zelas AI
For Debt Manager
Explore AI capabilities for Debt Manager
Built, test, and deploy AI agents for any use case within the collections environment.
- Add-on
Callout Services
For Debt Manager
Connect external systems in real time
Configure outbound API calls to exchange information with connected systems.
- Add-on
FitComms
For Debt Manager
Email and SMS delivery from your workflows
Populate message templates with account data and deliver communications when Debt Manager triggers outreach.
- Add-ons
Cara AI
For Debt Manager
Explore customer self service
Empower customers to manage accounts anytime using our AI chatbot.
- Add-on
SpringFour
For Debt Manager
Connect customers with financial resources
Help customers find nonprofit and government support for essentials such as food, utilities, transportation, and childcare.
- Add-on
FitPortal
For Debt Manager
Secure access for third parties
Let authorized partners search, view, and act on assigned accounts through role-based access.
- Add-on
AYDA
For Debt Manager
Explore collections data and performance
Build interactive dashboards and use plain-language questions to generate visualizations or summaries from Debt Manager data.
Enterprise collections experience
Built for complex portfolios and changing requirements
Debt Manager brings configurable processing, account workflows, integrations, and agent tools into a platform used across banking, financial services, and other industries.
- Lifecycle coverage
Connect early collections, active treatment, charge-off, and recovery. - Business-user configuration
Adapt processes, data views, and rules through administration tools. - Agent context
Present relevant customer and account information through FitAgent. - Integration flexibility
Connect host systems, payment processors, communication providers, and external partners. - Operational controls
Apply permissions, validation, restrictions, and audit records. - Enterprise adoption
Used by leading lenders across more than 60 countries and more than 20 industries.
- 60+countries with active clients
- 20+industries served, from banking to healthcare to telecommunications
Frequently asked questions
Debt Manager is C&R Software’s collections and recovery platform. It connects account management, configurable workflows, decision rules, financial processing, communications, and agent activity across pre-collection, collections, charge-off, and recovery.
Not necessarily. During pre-collection and collections, Debt Manager typically integrates with the host system, which remains the account’s system of record. After charge-off, Debt Manager can take responsibility for recovery account processing, including balances, interest, fees, and payment allocation. Its role depends on your operating model and implementation.
Business users can configure workflows, queues, rules, data views, and interface layouts through Debt Manager’s administration tools. FitAdmin supports changes to the agent experience, while FitLogic supports decision rules and strategy testing. Integration or specialist requirements may still need technical involvement, depending on their scope.
Debt Manager supports event-driven workflows that can start, stop, or reroute activity when relevant events occur. For example, it can be configured to cancel pending contact attempts when a payment posts or move an account into a monitoring workflow when a payment commitment is recorded. The response depends on configured rules and the availability of updates from connected systems.
Debt Manager determines outreach through configurable rules that can consider account activity, message type, customer preferences, and consent. It integrates with communication providers, including dialers and letter vendors. FitComms provides email and SMS delivery from configured outreach events.
Yes. Debt Manager supports rule-based account placement, partner updates, recalls, replacement placements, and performance reporting. FitPortal gives authorized third parties role-based access to search, view, and act on the accounts they’re permitted to handle.
Debt Manager’s AI framework supports uses such as collector assistance and account summarization. Organizations can configure access to account data and approved knowledge sources, with recommendations presented through the interface or connected to workflows. Consequential decisions can use FitLogic’s explainable rules rather than relying solely on AI-generated reasoning. Available capabilities and controls should be confirmed for your implementation.