Collections & recovery: 1 DPD through charge-off

Late isn't lost.
Charged off isn't gone.

Equabli helps you run the whole delinquency curve: early buckets, late stage, and post-charge-off recovery, all on one platform. Rank accounts by what they're really worth, reach the borrowers who will actually respond, and hold every agency, law firm, and sale accountable.

SOC 2 examined across every product · Built by operators
Delinquent inventory, all stages
live
Accounts managed
184,206
Cured before 45 DPD
22,915
Paid without a call
68%
Roll rate by bucket: treated vs. untreated
1-45 DPD
46-180 DPD
Charged off
Catch it in the early buckets and it never becomes a recovery problem. Miss it and Equabli helps you capture more dollars on the back end.

One system from first missed payment to final recovery

Most teams run one collection management tool for early-stage servicing, another for late stage, and a spreadsheet for the agencies. When accounts change hands, the context doesn't follow. Equabli keeps one record the whole way down, from first missed payment through debt recovery after charge-off.

1-45 DPD
Cure quietly
Scoring runs from day one, so the accounts most likely to pay get the first nudge on the channel they actually use, before any of it feels like collections.
46-180 DPD
Treat by risk
Scoring decides your coverage, intensity, channel and offer strategy- matching borrowers with the next best action.
Charged off
Place with intent, or sell
Route each account to the optimal agency or law firm and efficiently manage performance, or price and sell the pool knowing exactly what's in it.

Three products. Take one or use the full suite.

Buy a scoring model, a digital collections platform, and an agency management tool separately and you'll spend a year making them talk. EQ Suite is debt collection software that arrives already connected.

EQ Engine
Score + segment
The problem: in a file, every account looks the same.
Propensity and net-value scoring rank the whole book, early buckets and charge-off alike, so effort and commission follow the dollars instead of the alphabet.
EQ Engage
Digital collections
The problem: nobody answers the phone. Nobody.
Behaviour-triggered SMS, email, and dial triggers in your brand voice, plus a self-service portal where customers can resolve a missed payment or set up a plan at 11pm without talking to anyone.
EQ Collect
Outsource + sell
The problem: your agency oversight is a workbook called final_v7_USE_THIS.
Placement, recall, compliance monitoring, media and side-by-side agency performance in one portal, with an audit trail your examiner can read without calling you.
Why teams switch
“Everyone knows the old playbook is finished. What they don't know is where to start, and what to do with the accounts already in flight while they figure it out.”
Cody Owens · CEO, Equabli
Compliance in the workflow
Reg F contact caps, consent, and disclosures enforced and proactively managed- not reported on an annual audit.
Fits your stack
API or flat file into your LMS, servicing platform, and agency network. No rip and replace.
SOC 2 across the suite
Security, availability, and confidentiality examined for every product. Report on request.
Live in weeks
Start with one module on one segment. Expand when it earns it.
One inventory, every stage
In-house, outsourced, and sold accounts in one ledger. Nothing gets worked twice, and nothing gets forgotten between buckets.

Tell us your toughest collection problem. We will help you solve it.

Omni-channel orchestration? Cutting roll rates? Post-sale workflows? We've seen it and our platform solves it.

We are committed to safeguarding our client’s data as a top priority. We have successfully completed SOC 2® examinations for all products, demonstrating our dedication to the highest standards across the trust service principles (TSP) of security, availability, and confidentiality.