CMA, HMA, WMA & PPA Software

Software and product guide

See which products and capabilities fit your operation.

Client Management Application (CMA) supports financial counseling and debt programs. Housing Management Application (HMA) supports housing counseling. Website Management Application (WMA) supports marketing operations, and Payment Processing Application (PPA) supports payment processing. The product family covers a broad range of work while remaining easy to use and able to scale from one user to hundreds.

  • Cloud hosted
  • Easy to use
  • Scales from one user to hundreds
  • Configurable by program
Connected software platformIllustrative workflow
Connected operating contextCMA · Financial counselingActive
Workflow 7Files 12Reports 4
CaptureProcessReviewOutcome
CommunicationsWorkflowReportingCloud platform
CMA organizes leads, financial counseling, debt programs, client communications, payments, documents, and outcomes around a shared record.
Client operationsCMA and HMA workflows
Marketing operationsWMA campaigns and lead flow
Payment operationsPPA files and processing context
Implementation pathStructured data migration

Product comparison

Choose the operating foundation, then add what the workflow needs.

Use this comparison to identify the usual starting product and the additions that may be relevant. Final products, capabilities, integrations, and services are confirmed in the proposal for your organization.

ProductDefinitionBest fitRequired or optionalCommon additions
ProductCMADefinitionClient Management Application

Best fitFinancial counseling, debt management, debt settlement, student loan, and configurable client service programs.

Required or optionalPrimary product for financial counseling and debt program operations.

Common additionsWMA, PPA, PBX, credit data, SMS, eFax, AI support, and migration when scoped.

ProductHMADefinitionHousing Management Application

Best fitHousing counseling agencies, intermediaries, and organizations coordinating multiple housing programs.

Required or optionalPrimary product for housing counseling. HMA uses the shared CMA platform foundation.

Common additionsPBX, SMS, credit data, WMA, AI support, and migration when needed.

ProductWMADefinitionWebsite Management Application

Best fitOrganizations that need campaign, lead, conversion, vendor, pixel, and partner reporting workflows.

Required or optionalOptional to CMA and HMA. WMA can operate alone or connect marketing activity with CMA outcomes.

Common additionsCMA outcome reporting, lead posting, campaign partners, and approved tracking services.

ProductPPADefinitionPayment Processing Application

Best fitNonprofit debt management agencies that need focused proposal, RPPS, disbursement, return, and reconciliation workflows.

Required or optionalOptional focused application for supported payment processing operations.

Common additionsCMA client operations, Mastercard RPPS workflows, migration, and implementation services.

“Primary” and “optional” describe a typical solution path, not a licensing rule. Confirm the required products and enabled capabilities for your deployment during discovery and procurement.

Primary client operations products

Explore the capabilities inside CMA and HMA.

CMA and HMA share the client management core while preserving the program depth financial and housing counseling teams need.

CMA

Financial counseling & debt programs

Move from lead and financial assessment to program work and documented outcomes.

CMA is designed for organizations managing debt management, debt settlement, student loan, medical insurance, and other configurable client service programs.

Debt Management Program

Support DMP intake, proposals, biller and creditor workflows, client budgets, payments, fee rules, FairShare, contracts, and program reporting.

  • RPPS integration and return processing
  • Credit report pull, reporting, and merge options
  • Client Budget Assistant and automated biller matching
  • Configurable DMP task flows and state documents

Debt Settlement

Coordinate settlement work with configurable tasks, documents, communication history, and decisions made through the portal.

  • Settlement offer review through configured portal workflows
  • Fax batching for program enrollment
  • Task paths and next steps tailored to the industry
  • Central client documentation and reporting

Student Loan & other programs

Adapt the CMA foundation to student loan workflows, medical insurance operations, or other client service models.

  • Student loan calculations and recommendations where configured
  • Import workflows involving NSLDS/NSDL where supported
  • Custom task flows and scoped external API planning
  • Configurable data, documents, and reporting
HMA

Housing counseling

Organize counseling assessments, action plans, next steps, and reporting data.

HMA extends the shared platform with housing client information and workflows for counseling agencies and organizations with multiple programs.

Financial & affordability analysis

Track income, expenses, debts, affordability context, and debt-to-income calculations.

Housing counseling data

Manage household details, foreclosure prevention, housing goals, and other counseling information.

Action plans & next steps

Document recommendations, counseling actions, client commitments, and continued activity.

Scores, fees & funding

Track configured credit score history, client fees, program funding, and related reporting fields.

Agency structure

Support multiple agencies and operations across states where included in the deployment.

HUD reporting workflows

Support housing counseling data collection and electronic 9902 and ARMv6 submission workflows when currently authorized and configured.

Confirm current HUD compatibility during procurement

The platform is designed to support housing counseling data and electronic 9902 and ARMv6 workflows. Current vendor authorization, submission compatibility, agency eligibility, and configuration should be confirmed for the intended deployment.

Connected operations

Extend the operation beyond the client record.

WMA and PPA solve focused needs in marketing and payment processing. Use them as targeted applications or connect them with the broader operating model where appropriate.

WMA

Website Management Application

Connect campaign performance to real client outcomes.

WMA centralizes campaigns, lead delivery, conversion tracking, and partner visibility. When connected to CMA, campaign context follows the client and supported client phase and payment outcomes can return to WMA reporting.

CampaignConversionLead postCMA outcome

From leads to outcomes

Post eligible website leads into CMA and, when connected, return supported client phase and payment outcomes to WMA reporting.

Visitor & conversion reporting

Review visitor and conversion activity in one marketing report.

Vendor campaign tracking

Organize campaigns by advertising vendor and keep performance context connected.

Dynamic pixel management

Place configured campaign pixels and tags so advertising partners can track conversions.

Partner reporting access

Give advertising partners limited reporting access to the vendor campaigns they are permitted to see.

Standalone or connected to CMA

Use WMA as a focused marketing platform or connect it to CMA to carry campaign context into continued contact and outcome reporting.

PPA

Payment Processing Application

Give proposal, disbursement, and return processing a dedicated operating view.

PPA is a hosted application built from the CMA foundation for nonprofit debt management agencies that need focused payment transmission, proposal processing, return processing, and reconciliation workflows.

UploadProcessReturn fileReconcile

File intake

Upload configured disbursement and proposal files for processing.

Mastercard RPPS workflows

Transmit supported files through RPPS processing workflows and accept applicable return files.

Return processing

Bring processing responses back into a reviewable operational flow.

Funds sent

Maintain a reviewable view of transmitted funds and related processing activity.

Connected client journey

Turn every interaction into documented progress.

Use the same operating rhythm across programs while tailoring the assessment, plan, documents, and reporting to the service being delivered.

1

Capture

Bring in a lead, referral, or housing counseling client with source and program context.

2

Assess

Qualify the need, capture financial information, and select the appropriate program or counseling path.

3

Work the plan

Use tasks, action plans, assignments, documents, and configured program steps.

4

Communicate

Connect calls, messages, portal activity, and documents with the client history.

5

Document outcomes

Capture completed work, decisions, next actions, and reviewable notes.

6

Review & report

Use dashboards and reports to monitor service, performance, compliance workflows, and outcomes.

AI support for call workflows

Make conversations easier to search, review, and act on.

Where configured and permitted, eligible call recordings can become searchable transcripts and structured notes that support continuity, supervision, and consistent next steps.

Human review stays in the workflow

Searchable call transcription

Convert eligible call recordings to searchable text when recording, consent, PBX, and AI services are configured.

Configurable Smart Notes

Apply prompt rules so different call types can produce a structured note for human review.

AI support for outcomes

Summarize eligible work and help surface ideas for next steps without replacing professional judgment.

Cloud hosting by design

Run every product on a dependable cloud foundation.

The applications are delivered as cloud solutions. Hosting, backup, replication, snapshots, retention, and recovery are defined for each deployment so your team understands how the environment will operate.

Explore the technology platform
Operational dataClient records & workflow
Recovery layersReplication & snapshots
Deployment controlsAccess, retention & backup

Data migration

Move to the platform in controlled, testable stages.

Existing tools support several established debt industry systems, and custom migration tooling can be evaluated for proprietary platforms. Every project should define source access, mapping, validation, approvals, and cutover responsibilities before work begins.

01

Source review

Provide a database backup and available documentation so the source structure can be assessed.

02

Migration tooling

Use an existing converter where appropriate or develop a migration tool for the source system.

03

Staging load

Load representative data into a controlled staging environment for inspection.

04

Test cycles

Repeat staged migrations and reconcile record counts, relationships, balances, attachments, and agreed operational totals.

05

Approval

Document exceptions and approve the migration only after the agreed validation checks are complete.

06

Launch

Perform the final migration against the approved plan and transition into the new platform.

Current migration tooling includes CreditSoft, CPR/DMS, and IDS source workflows. Other source systems are scoped individually; compatibility, record counts, historical depth, attachments, payment data, and reconciliation criteria should be confirmed during discovery.

Why the product family

Connect the work without forcing every team into one workflow.

Bring client service, marketing, payment processing, reporting, and implementation into a coherent operating model while each product keeps a clear purpose.

Fewer disconnected handoffs

Keep more of the client journey in one structured operating context.

Control designed for the work

Preserve the distinct workflows used for counseling, marketing, and payment operations.

A clearer client experience

Connect documents, messages, statements, and next steps around the client relationship.

More useful management visibility

Review activity and outcomes without rebuilding the story across separate tools.

Pricing & fit

Choose the products, users, integrations, and services that fit.

HMA pricing currently starts at $85 per user per month. Pricing for CMA, WMA, PPA, connected configurations, migration, and implementation depends on scope. Confirm current capabilities and pricing in your proposal.

Discuss your requirements

See the platform in your workflow

Bring us your workflow. We’ll map the right product path.

Walk through client management, housing counseling, marketing, payment processing, or migration needs and see where the product family should connect.