Work every account. Automate the rest.
PastDue unifies your dialer, payments, letters, skip tracing, and compliance scrubbing in one collection platform - so collectors work accounts instead of juggling a dozen disconnected tools.
Recovered this month
M. Alvarez
Auto loan
J. Chen
Medical
R. Okafor
Credit card
Built to collect across every kind of consumer debt
Every account, on one screen
Stop bouncing between a dialer, a spreadsheet, and three vendor portals. PastDue puts the full account - balance, history, payments, and the next action - in one place.
- Click-to-call with your dialer wired in
- Payment plans and balances update in real time
- Full contact history on every account
Maria Alvarez
Auto loan · Acme Capital
Let the busywork run itself
Define the rules once. PastDue sends letters, queues calls, updates statuses, and logs every step - so collectors spend time on the accounts that need a human.
- Rule-based workflows across the whole lifecycle
- Automated validation and dunning letters
- Every action logged for the audit trail
Automation rule
Wired into the tools you already run
PastDue connects the collection stack so data flows into one place - no more re-keying between disconnected systems.
Dialers & VoIP
Connect your dialer for click-to-call, inbound routing, and call recordings.
Payment processors
Take cards and ACH; payments post straight to the account.
Skip tracing & data
Append current phones and addresses from your data providers.
Litigious & bankruptcy
Scrub against litigation and bankruptcy sources before contact.
Letters & mail
Hand off print-and-mail of validation and dunning letters.
Reporting & BI
Push remittance and performance data to your reporting stack.
Built for compliance, not bolted on
Collections lives or dies on compliance. PastDue keeps a clean audit trail and scrubs risk before your team ever makes contact.
- FDCPA- and TCPA-aware workflows with guardrails baked in.
- Litigious and bankruptcy scrubbing before the first contact.
- Consent and cease-and-desist tracked at the account level.
- Every call, text, and letter logged automatically for the audit trail.
Pre-contact scrub
Every action logged · audit-ready
Placements and remittance, handled
Track placements by client, portfolio, and debt type - each with its own rate split and remit cycle - and generate client-ready remittance automatically.
- Per-portfolio agency and client rate splits
- Weekly, bi-weekly, semi-monthly, or monthly remit cycles
- Client-ready remittance and performance reports
Bank of America
Bi-weeklyPortfolio A · Credit card
Agency/Client 70/30
Portfolio B · Overdraft
Agency/Client 65/35
Questions agencies ask
- What types of debt does PastDue handle?
- Payday, installment, auto, credit card, bank overdraft, medical, utility, and more - any consumer debt portfolio you place or buy.
- Can we migrate from Simplicity, CollectionsMAX, or Beam?
- Yes. Import your portfolios, accounts, and balances so your team keeps working without missing a cycle.
- How does PastDue help us stay compliant?
- Automatic logging of every contact, litigious and bankruptcy scrubbing, and account-level consent and cease-and-desist tracking.
- Does it work with our dialer and payment processor?
- Yes - VoIP dialers and payment processors connect so calls and payments post straight to the account.
- Can we remit to multiple clients on different cycles?
- Yes. Each client can run multiple remit cycles - weekly, bi-weekly, semi-monthly, or monthly - with different portfolios and rate splits on each.
- Is our data isolated from other agencies?
- Every agency gets an isolated workspace; portfolios, accounts, and payments are scoped to your tenant.
Modernize your collection operation
Spin up your agency workspace in minutes and put the busywork - calls, letters, logging, reporting - on autopilot.