CDS Software (Collectone)

What CDS Software (Collectone) does

CDS Software (legal name American Collection System, Inc., d/b/a CollectOne) is a privately held, US-incorporated software vendor founded in 1970 and headquartered in Simi Valley, California. The company develops CollectOne, a single-source accounts-receivable management (ARM) and debt collection software suite targeting collection agencies, debt buyers, and a broad set of regulated verticals — consumer debt, commercial debt, healthcare, student loans, legal collections, government, first-party collections, insurance subrogation, and property management. Customers range from startup agencies to Fortune 500 companies, with the firm explicitly stating that many have remained on the platform since its founding and that the majority have tenures of 20+ years.

The technical platform is built on a proprietary 'action code driven' architecture that the company states has become an industry standard. Core components include management-driven work queues, workflow automation with client-specific business rules, real-time performance tracking, rules-based account scoring with third-party scoring integrations, predictive dialing integration (TCN), skip tracing via LexisNexis/TransUnion/Innovis, an award-winning legal collections system spanning the judgment lifecycle, Metro 2 credit reporting, an ODBC-based custom reporting layer, and a flexible accounting module that interfaces with industry-leading accounting platforms. The product also includes a real-time web portal and web-based consumer payment flow, both marketed as industry firsts, with FDCPA and HIPAA compliance baked in. SOC 2 Type II certification was added in 2024.

Revenue is generated from a recurring software licensing / subscription model bundled with implementation, on-site and online training, technical support, custom programming, EDI/interface development, and an annual user conference. Pricing is quote-based and not publicly disclosed. Go-to-market combines direct enterprise field sales, inside sales for smaller agencies, a referral-driven pipeline from existing clients and ARM industry publications (InsideARM, Collection Advisor Magazine, Collector Magazine), and event presence at ACA Conventions and state collection association meetings. There are no disclosed M&A activities, funding rounds, or leadership changes in the data, consistent with a privately held, founder or family-controlled operator with 50+ years of continuous operation and a globally distributed but US-headquartered installed base.

Name

CDS Software (Collectone)

Legal name

American Collection System, Inc.

Website

https://collectone.com

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Debt Collection Software

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518), Activities Related to Credit Intermediation (5223)

SIC

Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Collections Technology, Dialing & Workflow Platforms (FSAKAJAI)

akta.pro secondary industries

Payment Processing for Collections (Lockbox, ACH, Card, IVR) (FSAKAJAJ), Legal Collections Support (Pre-Lit, Litigation Admin, Judgment Recovery) (BPAAAEAH), Late-Stage / Hard Collections (Charge-Off, Litigation Prep Support) (BPAAAEAD), Skip Tracing & Contact Data Services (FSAKAJAE)

Keywords

• Debt collection software
• Accounts receivable management
• Collection agency solutions
• ARM software platform
• Consumer debt recovery

Headquarters

HQ city

Simi Valley

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Software Licensing / Subscription: CDS Software provides CollectOne as a comprehensive collection software solution with product updates included at no additional charge. The software is offered as a single source solution that eliminates the necessity of upgrading software applications to meet growing business needs, suggesting a scalable subscription or licensing model.
2. Professional Services: Implementation services, on-site and online training, custom programming including software customization, interfaces, EDI, new business imports, and customized report writing are offered as professional services.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

CollectOne is an award-winning, single-source debt collection software platform that automates business processes to minimize costs and maximize recovery results for collection agencies and financial institutions. The platform manages multiple debt categories (consumer, commercial, healthcare, student loan, legal, government, debt buyers, first-party, insurance subrogation, property management) with workflow automation, predictive dialing, skip tracing, account scoring, Metro 2 credit reporting, real-time payment processing, and a web portal. CDS Software complements the software with implementation, training, and ongoing professional services.

Product overview

CollectOne is an award-winning, single-source debt collection software solution offered by CDS Software. The core CollectOne platform provides automated business processes for managing multiple debt categories including Consumer Debt, Commercial Debt, Healthcare, Student Loan, Legal Collections, Government, Debt Buyers, First Party, Insurance Subrogation, and Property Management. The main platform integrates with the CollectOne Web Portal add-on for real-time web-based account access, payment processing, and consumer communications. Additional modules include predictive dialing, skip tracing, account scoring, legal collections, and customizable reporting. CDS Software provides comprehensive professional services including implementation, training, technical support, and an annual user conference. The solution is marketed to collection agencies ranging from start-ups to Fortune 500 companies.

Differentiator

Problem solved

Functional benefit

Products and services

• CollectOne Award-winning, single-source debt collection software solution providing automated business processes that minimize costs and maximize results for debt collection agencies, debt buyers, and financial institutions. Covers consumer debt, commercial debt, healthcare, student loan, legal collections, government, debt buyers, first-party, insurance subrogation, and property management categories.
• CollectOne Web Portal

Quantifiable outcome

• Automated workflow and account distribution reduces manual processing costs
• +3 more outcomes

Named customers4 records

Segments10 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration24 records

Feature14 records

Partnerships

Seven partnerships are on record, tiered core.

• REPAYcoreTechnology or IntegrationIntegrated omnichannel payment technology specifically tailored to the ARM industry, enabling credit/debit card and electronic check/ACH payments 24/7/365 via text pay, IVR/phone pay, white-labeled mobile apps, and web portals.
• ezPay365coreTechnology or IntegrationPayment processing solutions with 25 years ARM industry experience, specializing in credit card, debit, HSA/FSA and ACH payments through collector/virtual terminal, online payment portal, payment negotiator, IVR and Mobile Pay.
• EFT NetworkcoreTechnology or IntegrationPayment processing solutions and technical expertise ensuring customized, flawless integration with CollectOne.
• TCNcoreTechnology or IntegrationHosted call center technology including inbound, outbound, blended, predictive dialer, IVR, call recording, and business analytics required to optimize operations and adhere to TCPA regulations.
• Rev SpringcoreTechnology or IntegrationPremier print and mail company specializing in servicing collection letter printing needs of the collection industry.
• Trans UnioncoreTechnology or IntegrationGlobal information provider for assessing and managing risk, offering credit reporting and data services.
• LexisNexiscoreTechnology or IntegrationIntegrated batch tools including Accurint Batch, Acollaid Batch and Banko Batch services for skip tracing and data services.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• TransUnion: Major credit bureau and ARM analytics provider; while TransUnion is also a CollectOne partner for credit reporting, it competes in broader collections data and decisioning services used by the same ARM customers.
• FICO: Broad incumbent in credit decisioning, scoring, and collections analytics; while not a direct agency workflow competitor, FICO competes in adjacent areas like score-based account prioritization that overlap with CollectOne's account scoring module.

Direct peers

• Quantrax Corporation: Provider of debt collection and ARM software (e.g., Q-Lutions) used by third-party agencies and debt buyers; competes in similar workflows and reporting functionality as CollectOne.
• Latitude Software (a Broadway Technology company): Provides debt collection and recovery software to collection agencies, law firms, and debt buyers; competes head-to-head with CollectOne in workflow, account management, and agency operational tooling.
• Collect! Corporation: Long-established debt collection software vendor targeting small and mid-sized collection agencies; competes with CollectOne for the same SMB and startup agency customer segment.
• Katabat: ARM-focused platform offering collections and customer engagement software to lenders and collection agencies; directly comparable customer base and overlapping product functionality with CollectOne.
• DAKCS Software: Specialist debt collection software provider serving commercial and consumer collection agencies with comparable agency back-office, workflow, and accounting functionality.
• Finvi (formerly Ontario Systems): One of the largest direct competitors in debt collection and ARM workflow software; offers enterprise-scale platforms serving many of the same third-party agencies, healthcare providers, and government collectors that CollectOne serves.

Others

• TCN: Cloud-based call center and predictive dialer provider that is a CollectOne integration partner; comparable as the dialer/workflow technology layer that often sits alongside collection agency software stacks.
• REPAY: Integrated omnichannel payment processing technology provider for the ARM industry and a CollectOne integration partner; comparable as the payments layer within the same ARM technology ecosystem CollectOne operates in.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/261181361022481

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CDS Software (Collectone)