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Connected software platform
One platform. Purpose-built for the work you do.
CMA, HMA, WMA, and PPA bring client service, housing counseling, marketing operations, and payment processing into one connected product family while preserving the distinct workflows each team needs.
- Cloud hosted
- Task driven
- Configurable by program
Client management products
One foundation. Distinct counseling workflows.
CMA and HMA share the client-management core while preserving the program depth financial and housing counseling teams need.
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-file workflows
- 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-oriented client work with configurable tasks, documents, communication history, and portal-supported decisions.
- Settlement offer review through configured portal workflows
- Fax batching for program enrollment
- Industry-specific task and follow-up paths
- 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.
- Configuration-dependent student loan calculation and recommendation workflows
- NSLDS/NSDL-related import workflows where supported
- Custom task flows and scoped third-party API planning
- Configurable data, documents, and reporting
Housing counseling
Organize counseling-specific assessments, action plans, follow-up, and reporting data.
HMA extends the shared platform with housing-specific client information and workflows for counseling agencies and multi-program organizations.
Financial & affordability analysis
Track income, expenses, debts, affordability context, and debt-to-income calculations.
Housing-specific client data
Manage household, foreclosure-prevention, housing goal, and other counseling-specific information.
Action plans & follow-up
Document recommendations, counseling actions, client commitments, and follow-up activity.
Scores, fees & funding
Track configured credit-score history, client fees, program funding, and related reporting fields.
Agency structure
Support multiple agencies and multi-state operational structures where included in the deployment.
HUD reporting workflows
Support housing counseling data collection and electronic 9902 / ARMv6-oriented submission workflows when currently authorized and configured.
The platform is designed to support housing counseling data and electronic 9902 / ARMv6-oriented 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.
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-return outcomes can return to WMA reporting.
Lead-to-outcome connection
Post eligible website leads into CMA and, when connected, return supported client-phase and payment-return outcomes to WMA reporting.
Visitor & conversion reporting
Review visitor and conversion activity in one marketing-reporting view.
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 CMA-connected
Use WMA as a focused marketing platform or connect it to CMA to carry campaign context into follow-up and outcome reporting.
Payment Processing Application
Give proposal, disbursement, and return-file work 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-file handling, and reconciliation workflows.
File intake
Upload configured disbursement and proposal files for processing.
Mastercard RPPS workflows
Transmit supported files through RPPS-oriented processing workflows and accept applicable return files.
Return-file handling
Bring processing responses back into a reviewable operational flow.
Transmitted-funds context
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.
Capture
Bring in a lead, referral, or housing counseling client with source and program context.
Assess
Qualify the need, capture financial information, and select the appropriate program or counseling path.
Work the plan
Use tasks, action plans, assignments, documents, and configured program steps.
Communicate
Connect calls, messages, portal activity, and documents with the client history.
Document outcomes
Capture completed work, decisions, next actions, and reviewable notes.
Review & report
Use dashboards and reports to monitor service, performance, compliance workflows, and outcomes.
AI-assisted 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 follow-through.
Human review stays in the workflowSearchable call transcription
Convert eligible call recordings to searchable text when recording, consent, PBX, and AI services are configured.
Rule-based Smart Notes
Apply configurable prompt rules so different call types can produce a structured note for human review.
AI-assisted outcomes
Summarize eligible work and help surface next-action ideas without replacing professional judgment.
Cloud hosted by design
Run every product on a dependable cloud foundation.
The applications are delivered as cloud-hosted 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 platformData migration
Make the move a controlled, testable part of implementation.
Existing tools support several established debt-industry systems, and source-specific migration tooling can be evaluated for proprietary platforms. Every project should define source access, mapping, validation, approvals, and cutover responsibilities before work begins.
Source review
Provide a database backup and available documentation so the source structure can be assessed.
Migration tooling
Use an existing converter where appropriate or develop a source-specific migration tool.
Staging load
Load representative data into a controlled staging environment for inspection.
Test cycles
Repeat staged migrations and reconcile record counts, relationships, balances, attachments, and agreed operational totals.
Approval
Document exceptions and approve the migration only after the agreed validation checks are complete.
Go-live
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 task-oriented operating context.
Purpose-built control
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.
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.