From intake to remittance, in five visible steps

Load accounts by CSV, SFTP, API, or direct EHR sync (athenahealth, Kareo/Tebra). Records are validated, deduped, and scrubbed against bankruptcy and deceased files before anything is worked.

Accounts are scored and routed by balance, age, debt type, and contactability — so high-value accounts get calls, small balances get digital-first treatment, and disputes never enter a queue.

Validation notice first, then an escalating mix of letters, calls, SMS, and email — every touch inside frequency caps and contact windows, every touch logged.

Consumers pay in a branded portal — full balance, settlement, or a plan. Broken promises trigger automatic follow-up. Trust accounting tracks every dollar to its account.

Dashboards update in real time; statements arrive monthly with account-level detail. Third-party placements receive net proceeds by ACH with the fee shown on every line.