The moment a payment returns, the recovery starts.
Collections shouldn't depend on somebody noticing. In CS Lend, the system notices.
The platform tells the team what needs to happen next.
The problem
The worst collections outcome is the quiet one: the return posts, nobody's watching that report, and by the time a human calls, the merchant has stopped answering. Recovery odds decay by the day — the process has to start itself.
Built for the way you actually operate.
Cases that create themselves
At your returned-ACH threshold, the collections case opens automatically — agreement, history, and contact context attached.
Worked in queues
Collections queues, dashboards, and reply tracking keep the team on the right accounts in the right order, with auto-escalation when a case stalls.
Promises, tracked
Promise-to-pay commitments are scheduled and monitored — kept promises resolve themselves; broken ones flag for the next step.
UCC when it's time
Optional UCC case tracking for the accounts that go the distance.
Delinquency and default statuses automate; formal default notices don't — those stay a human decision with legal weight, and the system tees them up rather than firing them off.
Related capabilities
Questions, answered.
At the returned-payment threshold you set — not a vendor default. One shop's "watch closely" is another's "all hands."