Debt collection software with BPMN processes
A collection agency rarely runs one process. Consumer and business debt, small and large claims, early arrears and old portfolios each need a different path through reminders, payment plans, court, and enforcement.
We design and build collection systems where each of those paths is a process model in BPMN 2.0 (Business Process Model and Notation), not logic buried in the application code.
Illustrative example
- Start
- Task
- Decision
- End
Collection processes
Typical stages a collection system models. Which ones you run, and in what order, is your decision.
Amicable (pre-judicial) collection
Reminders and contact with the debtor by phone, SMS, e-mail, and letter before any legal step.
Payment plans
Agreed instalments, with a check on every payment and a rule for what happens when one is missed.
Judicial collection
Preparing the claim and tracking the case once it goes to court.
Enforcement
Following the case through enforcement after a court decision.
What BPMN 2.0 means for your team
BPMN 2.0 is a standard way to draw business processes: the steps, the decisions, the waiting times, and who does what.
In a system built this way, the diagram is not documentation. A BPMN 2.0 process engine runs it. When your collection strategy changes, the process model changes, and the application does not have to be rewritten.
What the system can cover
Typical parts of a collection system. We agree the scope with you before we build.
Case and debtor management
One record per case, with the debtor, the debt, the documents, and the full history.
Configurable collection workflows
A process per portfolio, debtor type, or stage, changed in the process model.
Automated reminders
SMS, e-mail, and letters sent when the process reaches the right step.
Instalment tracking
Instalment schedules, matching of incoming payments, and handling of missed ones.
Integrations
Connections to banks, credit bureaus, courts, and bailiffs where they offer an interface.
Reporting
Views of cases, stages, and collected amounts for managers.
How we engage
We build it as outsourcing or with our engineers in your team, with COST+ pricing.
Tell us what you want to build
Describe the product or process you have in mind. We will come back with questions and a first view of how we would approach it.