Top Tools / February 4, 2023

The world's biggest online directory of resources and tools for startups and the most upvoted product on ProductHunt History.

Top 26 Debt Collection Tools

Debt collection programs, or payment collection software, are computerized instruments for managing credit risk and recovering past-due debt from debtors. In addition to keeping track of debtors and following up with them, the software can forecast and prioritize debt collections, resulting in faster collections. In order to keep track of all debtor data, it maintains a central database. The number of past-due invoices can be reduced and repayment percentagesheir can be raised by giving customers payment terms and repayment reminders. Additionally, the program can aid in improving the management of third-party collection agencies. The entire debt management process is handled by a collection program that is integrated with ERP and loan management systems.

This curated list of debt collection top tools will help you find the right match for you!

1. PhoneBurner

Without using any additional software, PhoneBurner's Power Dialer and Sales Acceleration platform boosts phone productivity by 447%. Sales representatives are able to have three to four times as many live discussions with the help of their solution, which streamlines routine tasks.

Key Features:

  • Speed dial contacts by up to 4 times

  • voicemails with a single click (no waiting for the beep)

  • Based on call results, send emails and SMS in one click.

  • Automate call post-processing

  • Keep tabs on email openings, attachment viewing, and link clicks.

  • Build cadences that employees can easily perform


PhoneBurner pricing starts at $149/month.


ACE is a web-based platform for accounts receivable management and debt collection that is intended for use by debt collectors, debt attorneys, first parties (original credit grantors), governmental organizations, healthcare organizations, and financial institutions. There are tools for managing client relationships, gathering data for analytics, assigning clients, collecting payments, and more.

Key Features:

  • Online ACH, credit cards, and direct payments are all acceptable forms of payment for collectors and employees.

  • Payment schedules can be established with the Virtual Agent Collector by Collectors, Employees, or Customers. The preferred channels are used to communicate schedules, and receipts and reminders are sent automatically.

  • With a variety of common reporting choices available and an ad hoc report builder for in-depth reporting, clients and users can generate their own reports, whether automated or one-off.


Contact the company for the details.

3. Creatio CRM

Creatio is the top supplier of ONE platform for no-code and highest degree of freedom automation of industry operations and CRM. A no-code platform (Studio Creatio), CRM programmes (Marketing, Sales, and Service), industry workflows for 20 verticals, and marketplace add-ons are all part of the Creatio offering.

Key Features:

  • a thorough understanding of the client journey End-to-end processes are provided by Creatio to handle the entire client journey.

  • Users adore the Creatio products' engaging user interface, which has a social feel to it. This makes using the application simple, and the user adoption rate is quick.

  • CRM Creatio connects with Outlook and Gmail for email.


Contact the company for the details.

4. LeadSquared

LeadSquared is a full-featured CRM and marketing automation tool that enables businesses to gather, manage, nurture, and track all of their leads in one location. It is intended for large businesses and SMEs.

Key Features:

  • Simple lead list segmentation options include lead scores, behavior, geography, and any other factor that is important to you.

  • Utilize lead quality and lead engagement scoring to determine which leads are the most sales-ready.

  • In order to automate lead assignment within your sales team, you should create distribution criteria in advance.

  • To conveniently manage customer interactions, set tasks and reminders.

  • With the help of mobile app, you may always have access to your sales data.


LeadSquared pricing starts at $25/month.

5. Collect!

By automating collection letters, monitoring phone calls, and managing payments, Collect! is able to manage the full collection lifecycle, from the first contact to the last payment. By automatically dialing calls from the debtor screen using internal phone systems, the quick dialing option allows collectors to shorten the time spent making calls. Collect! uses batch process scheduling for contact and account management, enabling collectors to automate multi-tiered collection tactics and activities.

Key Features:

  • Collect! has extensive out-of-the-box flexibility that enables teams to configure the system to their specific workflow requirements.

  • Collect! also provides users with powerful automations, scripting, intricate action plans, integrations, and other capabilities to further customize the system.

  • Routine tasks can be completed without agent involvement thanks to Collectnative !'s and custom automations and scheduling.

  • Major and minor releases for Collect! are scheduled on a regular basis.

  • Collect! provides online Help documents in addition to in-person help and training for new users.


Contact the company for the details.

6. Chaser

Chaser offers accounts receivable automation software and credit control services to assist organizations in effectively and amicably reducing late payments in order to increase cash flow.

Key Features:

  • Give every one of your clients access to a specific payment portal.

  • Provide a variety of payment alternatives, including fast card payments, to meet the demands of your clients in one place.

  • Because consumers can easily access the necessary documentation and information through their portal, you may spend less time on payment administration.

  • Keep consumers updated with complete access to payables and past payments

  • By simply adding remarks and contact information to customer portals, communications can be improved.


Chaser pricing starts at $50.86/month.

7. CasetrackerLaw

A web-based programme called CaseTrackerLaw was created expressly to automate and streamline debt collection procedures. Each step taken by a collection agency or lawyer, including debt placement, debt recovery, business management and administration, sales and marketing, and more, is intended to be automated by this system.

Key Features:

  • Any size of legal practice or collection agency can use CaseTrackerLaw, which is portable and infinitely scalable.

  • The CaseTrackerLaw client interface allows clients to submit and track claims, get in touch with agencies, and run reports on the number of claims that have been processed.

  • The attorney portal can then be used by law firms or debt collection agencies to approve or deny claims and modify claim statuses.

  • The debtor portal allows debtors to track claims, produce statements, and send payments online.


CaseTrackerLaw pricing starts at $699/one time setup.

8. Simplicity

CaseTrackerLaw, a web-based tool, was developed specifically to automate and streamline the debt collection process. This system aims to automate every action conducted by a collection agency or attorney, including debt placement, debt recovery, business management and administration, sales and marketing, and more.

Key Features:

  • Use of CaseTrackerLaw is possible for any size law practice or collection agency due to its portability and indefinite scalability.

  • Clients can file and track claims through the CaseTrackerLaw client interface, contact agencies, and run reports on the number of claims that have been processed.

  • Then, law firms or debt collection companies can utilize the attorney portal to approve or deny claims and change the status of existing claims.

  • Debtors may manage claims, generate statements, and transfer payments online thanks to the debtor portal.


CaseTrackerLaw pricing starts at $399/month.

9. Gaviti

Gaviti is a receivables management solution that gives your company's receivables collections team more control. All the tools you require to manage your receivables and receive payments on time.

Key Features:

  • Reduce operating expenses

  • Automate the manual collection procedure.

  • Increasing awareness of the collection procedure

  • Allowing your business to grow without adding more resources

  • Boosting the predictability of financial flows


Contact the company for the details.

10. Turnkey Lender

The leading provider of ULM (Unified Lending Management) systems and services is TurnKey Lender. The business offers a complete system that automates all phases of the loan application and borrower evaluation processes, as well as loan origination, underwriting, servicing, collection, reporting, compliance, and more. The patented deep neural networks and machine learning algorithms that power the TurnKey Lender system enable unsurpassed credit decisioning accuracy and overall security.

Key Features:

  • After buying, Turnkey Lender is immediately usable.

  • precise assessment of credit risk.

  • Turnkey Lender is available for use by doorstep loan agents, in branches, and online.

  • Credit risk management is already built in, with integrated scoring and flexible decision-making guidelines.

  • Structure that is modular allows for future module additions as needed.

  • interfaces for originators, underwriters, administrators of collateral and servicing, and collectors that are incredibly user-friendly.


Contact the company for the details.

11. Case Master Pro

Case Master Pro is a legal case management tool that aids in the management of case files and accounting activities for law firms and debt collectors. It enables lawyers to maintain case files with information about adversaries, accounts, litigation, or judgements, store important documents in a single database, and allocate task lists to specific staff.

Key Features:

  • Bookkeeping, scheduling, check printing, invoicing, transaction management, and account reconciliation are some of Case Master Pro's key features.

  • To get insights into the operation of their organizations, administrators can customize reports and security settings.

  • Clients can view documents, photos, and claims relating to their specific case files online through a self-service site that is included.


Contact the company for the details.

12. Beyond ARM

Beyond ARM is a fully integrated SaaS platform that combines accounts receivable and debt collection capabilities to boost the productivity of your business. Beyond ARM lessens the stress associated with making sure accounts are worked in a compliant manner while reducing costs and overhead, allowing you to concentrate on collecting by enhancing your capacity to work more accounts effectively and assisting you in keeping your clients informed of results.

Key Features:

  • Beyond ARM is a single, completely integrated SaaS that combines DAKCS modules like QwikDial & QwikClient with debt collection and accounts receivable functionality.

  • Utilizing sophisticated business rules and workflows to account for particular practices, configuration and customization don't need any additional IT or programming support.

  • Predictive dialing, encrypted AR/debtor communication, bill and document presentation, credit/risk scoring, and more are other capabilities.

  • Cloud services support sensitive functions like credit card/ACH processing and maintain data security with automated backups and system updates.


Contact the company for the details.

13. Rocket Collector

The launch of Rocket Collector in the US follows three decades of success elsewhere. They are eager to build the brand and take advantage of the chance to spare clients' time, money, and the hassle of regular collections. Rocket is simple to use, quick to implement, and—most importantly—highly automated. For banks and credit unions, it can be used in conjunction with any core processing programme. Rocket is a wonderful fit for Collections Agencies, Government, Healthcare, and Debt Buyers, to name a few, and it also integrates with the majority of ERPs and accounting software systems.

Key Features:

  • Your collectors' time is freed up to interact with clients thanks to business rules, batch letters, and text messages that are automatically generated.

  • Workflow - Lead people through the cash collection process as effectively as you can.

  • Rocket Collector combines various technologies into one location to create a 360-degree view of a customer's debts.

  • Document management - The account is automatically populated with copies of all papers created. Additionally, incoming correspondence can be attached.


Contact the company for the details.

14. Upflow

Are you a B2B business wasting time and resources each month chasing unpaid invoices? You can manage your cash collection using Upflow and stop laborious manual processes. A software called Upflow helps B2B enterprises track their bills and get payments more quickly.

Key Features:

  • Create automated email workflows that are tailored to the needs of each type of client.

  • Plan your letters, phone calls, and emails to ensure that your consumers pay you on time.

  • Improve teamwork and communication by involving both your sales and finance teams.

  • To acquire understanding of your A/Rs and decide on the best course of action for business growth, you can access real-time dashboards with trustworthy data.


Upflow pricing starts at $440/month.

15. ezyCollect

A complete ecosystem of accounts receivable and credit management tools is offered by ezyCollect to SMEs, allowing them to accelerate the cash conversion cycle and safeguard their company from bad debts.

Key Features:

  • By offloading the laborious and repetitive procedures that slow down the job, you can save hours every day.

  • Give communications and customer service more time.

  • A strong receivables procedure that keeps up with your rate of invoicing can help you get paid more quickly.

  • With instant credit insights and company credit check results provided in minutes, you can relax.

  • With simple click access to money, demand letters, and debt collection services, never lose momentum.


Contact the company for the details.

16. Esker

Esker is a global cloud platform designed to increase strategic value for professionals in finance and customer service and to improve company collaboration by automating the cash conversion cycle. Esker's goal is to create a platform that encourages positive-sum growth, increased output, better staff engagement, and more organization-to-organization trust. Esker helps financial and customer service professionals be more effective by building AI-driven technologies that automate the order-to-cash and procure-to-pay cycles and relieve them from time-consuming duties.

Key Features:

  • Automate the creation, monitoring, and approval of online purchase requests and order forms. Simplify the processing of supplier invoices.

  • Accounts Payable: Record invoice data in your ERP, track and process supplier invoices, review and authorize invoices that are ready for payment.

  • Automate the entire sales order entry process, starting with the customer order receipt and continuing through order verification, approval routing, and ERP submission.

  • Accounts Receivable: Make it possible for your clients to pay invoices online by automating the sending and archiving of customer invoices.


Contact the company for the details.

17. Katabat

Katabat is an all-inclusive omni-channel platform for debt collection. With Katabat, the concept to delivery process is truly customer-centric. Create individualized messaging, tone, and settlement offers to reach clients through their preferred channels. You can gather more data more quickly with clever pre-trained machine learning out of the box. Complete compliance, extreme security, and respect from large lenders.

Key Features:

  • Omnichannel Solution All-in-One

  • Trusted by Leading Lenders and Agencies Powered by Pre-trained Machine Learning

  • Easy-to-use Cloud-based Workflow and Strategy Engine that is Secure and Compliant


Contact the company for the details.

18. Debtor Daddy

Debtor Daddy assists CFOs, finance teams, business owners, accountants, and bookkeepers in automating their accounts receivable processes so they can return to providing real value to their organizations. They assist organizations in improving cash flow while preserving great client relationships by utilizing a special blend of intelligent software and the human touch.

Key Features:

  • Customize and personalize your SMS and email reminders. The messaging you use should be modified to fit each client segment and step of the reminder journey.

  • By allowing online payments, you enable your consumers to pay using their preferred method at a time and on a device of their choosing.

  • Include "pay now" buttons or links to send payment reminders via email and SMS.

  • Customer queries can be attended to and handled more quickly thanks to the reduction in time spent on manual operations.

  • Their AR specialists join your team and make calls on your behalf so that your clients don't notice a difference.


Debtor Daddy pricing starts at $89/month.

19. Exus Financial Suite

EXUS Financial Suite (EFS) is a cloud-based solution for managing external collections for retail, small and medium-sized businesses, and corporate customers. The management of call centers and workflows, established templates, automated notifications, and risk assessment are key aspects.

Key Features:

  • Risk scorecards can be used by administrators to access customer and account statistics, create reorganization plans, and personalize interactions and deadlines.

  • The solution has a programmable user interface with graphical tools that allow users to set up procedures without the need for coding.

  • All throughout the account lifespan, the EXUS Financial Suite supports administrators in maintaining a framework for risk assessment.

  • Team members can link business decisions to system parameters thanks to its self-documenting capabilities.

  • Banks, consumer finance businesses, debt purchasers, telecom providers, and others can use the service.


Contact the company for the details.

20. Kuhlekt

Kuhlekt is a cloud-based debt collection service that offers companies a centralized platform to handle customer communications via phone, email, SMS, and dunning. Important advantages include automated debt collection, statistical and graphical data comparisons, dispute summaries, batch processing for batch activities, and more assist companies in lowering their debt collection expenses.

Key Features:

  • The platform offers escalation matrices, daily noticeboards, dashboards for managers and debt collectors, as well as a reporting suite for creating customized reports.

  • Additional features include support for several languages, item line note records, audit recording capabilities, and customer relationship management (CRM) tools.

  • Users' statements may be emailed or printed out and mailed. Table field classification can produce data summaries.

  • Additionally, users have access to multi-field query by example (QBE) searching features.


Contact the company for the details.

21. InvoiceSherpa

To help you get paid more quickly and effectively, InvoiceSherpa is an automatic accounts receivable and invoice reminder tool that integrates with your current accounting software. Xero, Quickbooks, Harvest, Wave, Freshbooks, Clio, and more programs are all integrated with InvoiceSherpa. There is no software to install or configure for these integrations; they may be set up in a few clicks. Once this link is made, InvoiceSherpa uses personalized scripting and scheduling to set up invoice reminders and follow ups with your clients.

Key Features:

  • Dashboard and functionality: Using one centralized login, the InvoiceSherpa user backend enables you to manage your entire online debt collection portfolio.

  • Reporting and charts: To help you more correctly analyze payments, InvoiceSherpa automatically presents your information in digestible charts and spreadsheets.

  • Work with your current accounting software, including Xero, QuickBooks, Wave, Clio, LessAccounting, FreshBooks, Harvest, and others.

  • The software connected with PayPal, Stripe, Intuit QuickBooks Payments, eWay, and CardAccess among other payment processors.


InvoiceSherpa pricing starts at $49/month.

22. EveryBill

EveryBill Online Payment Platforms is a cloud-based payment and billing solution that enables small and large businesses to automate debt management and collection over the internet and the phone. Users can add personalized logos, colors, and designs to their payments page using the platform, which is a white label solution. Businesses can utilize the platform to make payments using a variety of methods, including automated clearing house, credit, debit, and check draught (ACH).

Key Features:

  • Site marketing, client administration, multilingual assistance, and compliance are among the platform's key features.

  • Users can set restrictions based on rules, including time limits, modes, and account rights.

  • To assist users in making payments using the final four digits of their social security number, it provides a payment identification generator.

  • EveryBill Online Payment Platforms' reporting module allows users to set up automatic daily or weekly report distribution through email or a secure link.


Contact the company for the details.

23. Lariat

Using Lariat , collection firms can manage accounts receivable, debt collection, and clients. Using Lariat, collection firms can manage accounts receivable, debt collection, and clients. Lariat intends to offer an all-in-one debt-collecting solution for organizations.

Key Features:

  • Users can generate reports via the client site using a choice of more than 60 customized pre-made reports that can be saved and exported to excel.

  • The sales CRM solution from Lariat offers a system for managing leads that can be used to track sales, convert leads, import leads, and more.

  • Utilize Lariat's interface with payment processors like and USAePay to process ACH and credit card payments.

  • Using Lariat's tools, collectors can create payment plans, but these must be reviewed and approved by an administrator before payments can be made.


Contact the company for the details.

24. Collections MAX

The most popular and affordable debt collection method available today is Collections MAX. With the help of Collections MAX's numerous capabilities, your collection agency may grow profitably.

Key Features:

  • Automatically processes debit and credit cards, and it can also be started manually at any moment.

  • compatible with the payment gateways USA Epay, NMI, and Authorize.NET.

  • manages declined payments and gives you the option to specify how many tries must pass before the payment is marked as reversed.

  • You can set up the software to run automatically twice a day through direct connection with Windows Task Scheduler. the ability to manually run the software as often as necessary.


Contact the company for the details.

25. QUALCO Collections & Recoveries

The entire credit lifecycle, from high-risk performance, early-stage delinquency to legal and recoveries, is supported by QUALCO Collections & Recoveries. The platform covers all banking products, including non-bank debt and retail unsecured loans, mortgages, and SME loans.

Key Features:

  • one platform for all tasks and portfolios related to collections and recovery

  • judiciously combining internal collecting efforts with external outsourcing

  • Clarity regarding reporting, measurement, and performance

  • greater liquidity and increased recovery possibilities

  • Facilitate the desired result for your clients.

  • Reduce costs and increase efficiency to collect more for less.


Contact the company for the details.

26. Totality

Small to midsize law firms, collection agencies, medical offices, and real estate agencies can handle contacts, papers, payment agreements, and more with the aid of the debt collection software Totality from a single platform. It enables staff workers to track judgment amounts, save court information, compute post-judgment interest rates, and keep a database of lawsuit specifics.

Key Features:

  • Team members can organize follow-up meetings and keep track of crucial dates using the integrated tickler system.

  • It enables staff employees to communicate in-depth statements with numerous parties, such as clients, debtors, and courts, and to send pre-designed collection letters.

  • Business leaders can create performance reports using Totality that are based on particular clients, single claims, and numerous claims.

  • It enables staff to manage mail merging procedures using Word and WordPerfect products.


Totality pricing starts from $89/month.

Things to consider while choosing Debt Collection Tools


The tool should have a proven track record of effectively collecting debts. This includes high recovery rates, minimal disputes, and efficient processes.


The tool should be compliant with all relevant laws and regulations, including the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA).


The tool should be able to integrate with other systems and software, such as accounting or customer relationship management (CRM) systems, to streamline processes and improve efficiency.


The tool should be customizable to fit the specific needs of your business, such as the ability to handle multiple languages, currencies, or payment methods.


The tool should be able to handle a high volume of debt collection activity, as well as the ability to grow with your business.


The tool should provide detailed reporting and analytics on debt collection activity, such as recovery rates, disputes, and customer interactions.


The tool should be cost-effective, with pricing options that align with the size and needs of your business.


The tool should be supported by a dedicated team that can provide assistance and guidance when needed.


What is a debt collection tool?

A debt collection tool is software that helps businesses automate and streamline the process of collecting unpaid debts from customers or clients.

How does a debt collection tool work?

A debt collection tool typically integrates with a business's accounting or CRM system to automatically identify and prioritize past-due accounts. It then sends automated reminders, makes phone calls, and sends email or text messages to the debtors. It also provides detailed reporting and analytics on the debt collection process.

What are the benefits of using a debt collection tool?

Using a debt collection tool can improve the efficiency and effectiveness of the debt collection process, increase recovery rates, reduce disputes, and help businesses stay compliant with relevant laws and regulations.

Are there any legal considerations when using a debt collection tool?

Yes, it is important to ensure that the debt collection tool is compliant with all relevant laws and regulations, such as the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA).

How do I choose the right debt collection tool for my business?

When choosing a debt collection tool, it's important to consider factors such as effectiveness, compliance, integration, customizability, scalability, reporting, cost, and support. It's also important to ensure that the tool aligns with the specific needs of your business.

Top 26 Debt Collection Tools

The world's biggest online directory of resources and tools for startups and the most upvoted product on ProductHunt History.