CMA Software

Client Management Application (CMA)

The CMA is a modern software system designed to effectively manage the process of converting leads to clients. This cloud based Client Management solution has been specifically tailored to the Debt Management, Debt Settlement, and Housing Counseling industries. Migration tools have been developed to convert your existing system as seamlessly as possible. 

Watch a 10 minute Overview of the CMA

Core Functionality highlights (applicable to any industry):

  • Robust security: Encrypted data with realtime backups.
  • Client Portal: Access to Statements, Digital Documents, Secure Messaging.
  • Document Management: store and access Client docs – (PDFs, images, office documents). Provide Client access to digital documents via Client Portal.
  • PBX Integration: Click-to-Dial + Call Log reporting + Queue Status. (Compatible with Asterisk based systems such as FreePBX)
  • SMS: Optional integration with Twilio to send/receive automated and conversational text messages.
  • Faxing: Integrates with eFax. Send and manage faxes directly from CMA.
  • Task based workflow
  • Document Template System: facilitate email and package customization
  • Accounting: Manage Client Balances with Payments and Disbursements. Store ACH and Credit Card information. ACH Generation and Import.
  • Payroll: Includes session calendar to keep track of employee hours
  • Marketing Reports: track Lead sources and performance

Debt Management Program (DMP):

  • Client Portal: view account information and statements
  • First class RPPS Integration.
  • Automated RPPS Return File imports
  • Online Client Proposal Offers
  • Credit Report Integration: API pull, reporting, and merging with TransUnion and Equifax.
  • The CMA is often at the forefront of implementing the latest Debt Management Industry protocols and includes support for:
    • Credit Solution Plan (CSP) Integration and Tools
    • LTFB (Less Than Full Budget Balances)
    • EMS
    • DRP
    • 72 month DMPs
    • and support for future Hardship Indicators that may become available.
  • Client Budget Assistant
  • Automated Biller Matching
  • Easy mass Biller updates
  • Easy updates of Initial Payment and monthly fee rules.
  • FairShare management and reporting.
  • Custom Task flow for DMP industry.
  • Customizable State approved Contracts and Letters

Debt Settlement (DS):

  • Approve settlement offers via Client Portal.
  • Fax Batching for program enrollment
  • Custom Task flow for DS industry.

Student Loan:

  • Student Loan Calculator
  • Program Recommendation
  • Import of NSDL data
  • Custom Task flow.

Housing (HUD Approved CMS for ARMv6):

Client Support Software’s CRM is a HUD approved CMS able to submit electronic 9902 for the latest ARMv6 specification. Support for multiple Agencies allows multi-state submissions. Combined with integration with other industry products such as Debt Management, Bankruptcy, and Student Loans, the CMA offers a complete hosted solution for managing Housing Clients in need of assistance.

  • Track Housing specific data
  • Compute Debt-to-Income ratios
  • Foreclosure Prevention data
  • Household data
  • Action Plan recommendations
  • Follow-Up
  • Track Credit Scores
  • Track Fees
  • Track Funding

Medical Insurance and other Industries

  • Easily customize for your industry including third party API integrations to optimize Client Management.


  • FreeBSD/Apache/PHP/MySQL
  • Active Development: weekly releases
  • Scalable Architecture: Load balancing with HAProxy/Apache + MySQL replicas.
  • Migration Tools to convert existing systems


Hosting and Backups: Secure Cloud-Based Solution

Introducing our comprehensive, cloud-based CMA hosting solution, designed with the highest level of data security and redundancy in mind.

Robust Backup Strategy:

  1. Real-Time Mirroring: Our primary MySQL database is securely stored on an encrypted ZFS pool and is replicated in real-time to at least two offsite servers using MySQL Replication.

  2. Frequent Snapshots: The MySQL slave servers create ZFS snapshots of the filesystem every 15 minutes. This ensures that in the event of a catastrophe, data can be restored to the last MySQL replicated state or, at the very least, the last ZFS filesystem snapshot.

  3. Nightly Replication: We perform nightly snapshots of the entire filesystem, which are then replicated to geographically diverse sites for added protection.

Our strategy maintains redundancy in multiple formats, with all data encrypted both during storage and transportation. Choose our cloud-based CMA hosting solution for optimal security and peace of mind.