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First-Party Platform
Your team works accounts directly in our platform. Built-in compliance, multi-channel communications, payment processing, and real-time reporting — nothing extra to install.
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CollFin Receivables · Tech-Enabled Revenue Recovery
Recover more, faster —
Recover more, faster —
across every industry.
An automation-first receivables platform with licensed collectors in the loop. Run collections in-house, add managed outreach, or place accounts with our recovery team — for healthcare, financial services, government, utilities and beyond. FDCPA and Reg F compliant from day one.
- Every industry
- Healthcare to fintech
- Automation-first
- Software does the volume
- Collector-in-the-loop
- Licensed collectors
- FDCPA + Reg F
- Compliance enforced
How we work with you
One platform. Three ways to collect.
Choose how much CollFin does — your team in our platform, services we run for you, or full third-party recovery on contingency.
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Platform + Outreach Services
Add CollFin-managed mail campaigns, outbound calling, and FDCPA-compliant SMS to your workflow. Your accounts, your brand — our licensed infrastructure and compliance coverage.
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Full Third-Party Collection
Place accounts with our licensed collectors. We handle all outreach, disputes, and payments, then remit net proceeds monthly. Pure contingency — we earn only when you collect.
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How we scale
Automation does the volume. Collectors handle the judgment.
CollFin runs like an operation many times its size — software does the repetitive work at scale, and licensed collectors step in exactly where a collector's judgment matters.
Automation-first
AI-driven segmentation, multi-channel outreach, payment plans, and a 24/7 self-service portal resolve the majority of accounts with no manual effort — day or night.
Collector-in-the-loop
Licensed collectors and compliance specialists work the exceptions — disputes, hardship, negotiations, and anything the platform escalates for a person's judgment.
Compliance on autopilot
FDCPA and Reg F rules enforced in code on every touch, with a tamper-evident audit trail. People review outcomes — they never re-key the rules.
One system of record
Every account, channel, payment, and dispute in a single real-time view — whether it was worked by software or by staff.
Add-on services
Outreach services built for compliance
Supplement your collections team with managed outreach — every touch FDCPA and Reg F compliant, every record auditable.
Direct Mail
Validation notices, dunning letters, and settlement offers printed, addressed, and mailed on your schedule — with delivery tracking and CASS-certified addressing.
Outbound Calling
Compliant outbound call campaigns with automatic 7-in-7 frequency-cap enforcement, call recording, and real-time disposition logging in your dashboard.
SMS Campaigns
Reg F-compliant text outreach with consent verification, opt-out handling, and inbound reply routing — all logged and timestamped automatically.
Skip Tracing
Address, phone, and email verification across industry data sources to keep contact information current and your accounts workable.
Payment Processing
Branded debtor portal with card and ACH acceptance, payment plan scheduling, broken-promise alerts, and trust accounting built in.
Credit Bureau Reporting
Accurate Metro 2 submissions to all major bureaus with same-day updates propagated on payments, disputes, and account closures.
Who we serve
One recovery platform for every industry
The same automation-first engine and licensed team recover receivables across sectors — each with its own regulatory rules, data formats, and consumer expectations, all handled in one platform.
Healthcare & Medical
Patient balances, provider overpayments, coordination-of-benefits and subrogation recoveries — with EHR/clearinghouse integration and HIPAA-aware handling.
Financial Services & Lending
Banks, credit unions, fintech, auto, and BNPL — charge-offs, delinquencies, and deficiency balances, with Metro 2 credit reporting built in.
Government & Public Sector
Tax, fees, fines, and benefit overpayments recovered under strict public-sector compliance and reporting requirements.
Utilities & Telecom
High-volume final-bill and past-due consumer balances resolved through automated, omnichannel outreach at scale.
Property & Commercial
Rent arrears, lease balances, commercial invoices, and B2B receivables — first-party or full third-party recovery.
Legal & Specialty
Judgments, liens, and specialty portfolios with strict regulatory requirements and full documentation.
The process
Simple intake. Complete visibility.
From account submission to payment — every step tracked in one place.
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Submit accounts
Upload CSV, connect via SFTP, or use our API. Accounts are validated, deduped, and ready to work the same day.
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Choose your model
Work accounts in-platform, activate outreach services, or place them with our licensed collectors — configurable per batch.
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Payments collected
Debtors pay through a branded portal via card, ACH, or payment plan. Every dollar visible in real time on your dashboard.
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Clear reporting
Real-time dashboards, downloadable statements, and a full audit trail. Third-party placements receive monthly net remittance.
Compliance & trust
Regulatory compliance built into every step
FDCPA and Regulation F obligations enforced at the platform level — not by spreadsheet, not by memory.
FDCPA & Reg F enforced
Validation notices auto-issued within 5 days. The 7-in-7 call cap tracked per consumer. Electronic opt-outs honoured immediately across all channels.
Cease-&-desist propagation
A single C&D halts all channels and all future contact attempts for that consumer across every service — not just the channel that received it.
Tamper-evident audit trail
Every communication, payment, dispute, and status change logged in a hash-chained, append-only record. Exportable for regulators and legal teams.
Dispute handling & SLAs
Consumer disputes flagged, acknowledged, and investigated within statutory timeframes — every resolution documented and visible in your dashboard.
Data isolation
Your receivables, consumer data, and payment records are row-level isolated. No cross-contamination risk even on shared infrastructure.
Real-time portal access
See every account — contacted, paid, disputed, settled, or escalated — without waiting for a periodic report. Download statements on demand.
Get started today
Ready to modernize your receivables operation?
Start with the platform, add services as your volume grows, or let CollFin's licensed team collect for you — no upfront cost for third-party placements.