60M +
Accounts managed on dPlat
$100M +
Accounts managed on dPlat
99 %
Accounts managed on dPlat
20 +
Accounts managed on dPlat
Most recovery programs run on a spreadsheet.
Three to six agencies. A monthly file from each, in a different format. A vendor manager reconciling all of it by hand. The program runs, but the performance gap between your best and worst agency (often 2–5x) stays invisible until the quarter closes.
You can’t steer what you can’t see in time. And when an examiner asks how you supervise third parties, a spreadsheet isn’t an answer.
Five steps, one platform.
Load
Account data uploads in any file format and gets encrypted at hardware, OS, and column level.
Place
The Decision Engine routes each account to the right tier and agency, on rules your team edits directly.
Work
Agencies report daily into a shared portal. You watch placement, activity, and KPIs on live dashboards.
Measure
A performance analyst runs net-back by tier and monthly reviews. Volume shifts to who liquidates.
Reconcile
Balance, placement, closure, and status reconcile any time, with month-to-month trend reporting.
What dPlat does.
Built for creditor teams that need operational control, vendor performance pressure, and defensible third-party oversight.
Control the program without rebuilding the program.
Change allocations, settlement thresholds, recall windows, and vendor tiers in the same system that documents the outcome.
Decision Engine
Hands-free placement and recall on business rules, with allocation percentage, settlement threshold, and recall window controls.
Vendor optimization
Award more volume to high performers by segment. Reallocation is documented, not debated from stale files.
Dashboards and reporting
Role-based live dashboards plus historical and ad-hoc reporting through integrated Tableau or your BI layer.
Dispute and media management
Document requests and disputes live on the account, tracked end to end with every action logged.
Compliance management
Configurable work standards measure SLA compliance and flag exceptions automatically.
Debt sale module
Run invitations, secure bidding, due-diligence reporting, checkout, and post-sale support on platform.
Results, not feature lists.
+24 %
Increase in collections at PG&E, with an $8.7M net-back gain.
80 %
Reduction in recovery FTE load at Entergy, alongside a seven-figure recovery boost.
Weeks
Typical deployment, versus the 12–18 months of legacy platforms.
“That was the cleanest implementation of technology we've had in the collection and recovery space.”
Carri McQuerrey-Funk, SVP, Citizens Bank
Built to be trusted with your data.
Risk teams should ask how data access, agency roster visibility, audit logs, and operational separation work. This page makes that concern explicit instead of burying it.
- SOC 2 Type II certification language is included as supplied copy and should be confirmed before launch.
- Data access controls and logs are positioned as part of the sales walkthrough.
- CFPB and interagency oversight references should route through legal review.
Questions creditors ask.
What is recovery management software?
Recovery management software is the system of record a creditor uses to place accounts with collection agencies, orchestrate work across multiple vendors, track performance, and document oversight. DebtNext’s dPlat is purpose-built for this, managing 60M+ accounts and orchestrating $100M+ in monthly placements.
How is DebtNext different from a collection agency?
A collection agency does the collecting. DebtNext is the platform that orchestrates collection agencies and gives the creditor visibility and control across all of them. TSI offers both: the dPlat platform and the services to run the program inside it.
How is dPlat different from FICO Debt Manager?
FICO Debt Manager is primarily a collections execution engine with agency management as an add-on, and it typically deploys over 12–18 months. dPlat is purpose-built middleware for vendor oversight and recovery orchestration, and it deploys in weeks to months.
What does dPlat do for compliance?
FICO Debt Manager is primarily a collections execution engine with agency management as an add-on, and it typically deploys over 12–18 months. dPlat is purpose-built middleware for vendor oversight and recovery orchestration, and it deploys in weeks to months.
What's the ROI of a recovery platform?
The headline driver is liquidation lift. On a $500M placement portfolio, a 1–2% liquidation improvement is $5–10M in incremental recovery per year. Add reduced cost-to-collect and avoided compliance exposure, and the business case usually clears on liquidation alone.
How long does implementation take?
dPlat deploys in weeks to months depending on integration scope, far faster than the 12–18 months typical of legacy platforms. Many creditors start with a sample of aged accounts to measure projected lift before committing the full book.