Aurore
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Aurore · Collections intelligence + automation

Better collections — on the systems you already run.

Seventeen purpose-built intelligence and automation products for debt sellers, buyers, and collection agencies. We integrate alongside the systems you already operate — and quietly turn every account into one that gets a better next action, a cleaner audit trail, and an answer the first time.

Book a 30-minute walkthroughSee what we'd save you →

Tell us who you are

Collection agencyDebt buyerDebt seller / creditor
Per-case manual work
~95%
Eliminated — from 53 minutes to 4 minutes per account. Small to mid-size PNW collection agency.
Manual work eliminated
11,500hrs/yr
Small to mid-size Pacific Northwest collections firm · ten months of automation.
Operating cost out
$300K/yr
Headcount-equivalent capacity returned to high-judgment work.
Volume growth headroom
40–50%
Additional caseload absorbed without a single new hire.
§ 01What Aurore does

Three things every operator wants — and the systems they bought never delivered.

Recover more01

Lift the dollars you're already chasing.

Score every account before a collector opens it. Route every referral to the right channel. Surface the next-best action at the moment of contact. Most firms leave 10–18% of recoverable value on the table because the data layer underneath their SOR was never designed to ask the question.

→ Yield Intelligence · Behavioral Segmentation · Omnichannel Routing

Spend less02

Stop paying people to move information between systems.

Intake, court filings, garnishment writs, EOM payment merges, document retrieval — automation that eliminates the manual middle of the operation. Real engagement: 11,500 hours per year moved off humans without replacing the case management system underneath.

→ Case Intake · Small Claims · Civil Case · Garnishment Automation

Sleep better03

Compliance as evidence, not a binder.

Every notice produced and stored under FDCPA & Reg F controls. Every call scored against the standards your Compliance Officer set. Every state-specific obligation enforced at the workflow boundary — and the audit package generated automatically.

→ Compliance Document Management · Nudges A/B Learning

§ 02One platform · five segments

The whole ecosystem, not just one box on a stack chart.

Other platforms pick a corner. Aurore covers the full path of a portfolio — from the moment a creditor decides to sell, through the buyer's bid, through collection and enforcement, all the way to the last garnishment cleared. One data model. Seventeen products.

01Debt sellersBanks · medical · auto · telecom · landlords2products
02Debt buyersNational · regional · specialty3products
03Collection agenciesPhone · mail · digital channels12products
↓ sells↓ buys↓ collects & enforces
See all 17 solutions →Agency operators →
§ 03A customer story

11,500 manual hours eliminated. Headcount stopped capping growth.

Active engagementSmall to mid-size collection agencyPacific Northwest · 10 months in

“Every time they won a new client or took on more paper, they had to hire. The math was linear — more cases meant more people to process them. After ten months on Aurore, the math is no longer linear.

Hours eliminated
11,500
per year
Cost savings
$300K
per year
FTE equivalent
~6.0
absorbed by Aurore
Caseload growth
40–50%
no new hires

We mapped every manual touchpoint in their case lifecycle and automated the rules-based ones. The team can now absorb 40–50% more caseload without adding headcount.

Before / after per case

Case intake & data entry18 min → 2 min
Skip trace & augmentation12 min → 1 min
Compliance doc generation9 min → 0 min
Client reporting14 min → 1 min

Aurore engines involved

  • Case Intake Automation
  • Data Analysis & Augmentation
  • Small Claims & Civil Case Prep
  • Compliance Document Management
  • Client Reporting Portal
§ 04The 17 solutions

Seventeen products. Five operating stages.

See all 17 in detail →
Stage 01 · Portfolio decisionsFor sellers and buyers
  • 01 · For sellersSeller Portfolio IntelligenceAnalyzes and scores portfolios prior to sale. Expected recovery, account characteristics, optimal pricing strategy.
  • 02 · For buyersBuyer Bid IntelligencePredictive analytics on acquisition opportunities. Risk-adjusted bids grounded in historical performance and account-level scoring.
Stage 02 · Intake & enrichmentFor agencies
  • 03Case Intake AutomationIngests, validates and enriches incoming case data from clients. Faster time-to-work, fewer entry errors.
  • 04Case Data Analysis & AugmentationCross-references internal and third-party data to fill gaps, verify debtor information, surface actionable insights.
  • 05Historical Yield IntelligenceMines past collection activity for patterns across account types, demographics, and strategies. Sharper forecasting.
Stage 03 · Routing & decisioningThe intelligence layer your collectors actually feel
  • 06Case Routing IntelligenceAssigns incoming accounts to the right workflow, team, or legal strategy. Balance, debtor profile, predicted collectability.
  • 07Omnichannel Routing IntelligenceOptimal channel per debtor per stage — phone, email, SMS, mail, legal action. Maximizes contact & engagement.
  • 08Behavioral SegmentationClusters debtors by payment history, responsiveness, demographics. Outreach tailored to behavior, not generic.
  • 09Yield (Next Action) IntelligenceHighest-probability next action for any account at any point in the cycle. Decision support, not a black box.
  • 10Resource Allocation IntelligenceWorkload, account priority, staff capacity. Recommends optimal distribution — high-value accounts get attention.
Stage 04 · Compliance & learningAudit-ready by design
  • 11Compliance Document ManagementCreation, storage, versioning, and audit of all legally required notices. FDCPA, Reg F, state regulations, client-specific.
  • 12Nudges & A/B LearningContinuous testing of messaging, timing, channel. The system learns from debtor responses and reallocates spend.
Stage 05 · Litigation & recoveryLitigation & recovery
  • 13Small Claims PreparationCourt filings, exhibits, supporting documentation for small claims proceedings. Less attorney time per matter.
  • 14Civil Case PreparationEnd-to-end civil litigation files. Complaint drafting, service coordination, deadline tracking. Court-ready.
  • 15Garnishment PreparationPost-judgment garnishment workflow. Employer/bank identification, writ preparation, filing logistics.
Stage 06 · Stakeholder interfacesWhere debtors and creditor-clients touch your operation
  • 16Customer Interaction (Payment) PortalDebtor self-service: review account, set up payment plan, submit payment. Reduces inbound call volume.
  • 17Client Information (Reporting) PortalCreditor-client real-time visibility: portfolio activity, legal status, financial performance. Custom dashboards.
§ 05How we deploy

No migration. No retraining. No big-bang launch.

Phase 01 · Days 0–3001

Read alongside.

We connect to your existing system of record (JST CollectMax, IPACS, or whatever you run) and start writing back intelligence — scores, routing decisions, compliance flags — as enrichments. Your collectors see the same screens. The first wins happen this month, not next quarter.

Phase 02 · Days 30–9002

Write alongside.

As trust builds, Aurore starts writing alongside your SOR in real time — unlocking live scoring, dynamic routing, call-by-call compliance evidence, and the audit-ready paper trail your Compliance Officer wishes the SOR had shipped with.

Phase 03 · Days 90+03

Run on the layer.

Workflows, reporting, and new-hire training move onto Aurore. The SOR is still there — but the operation is now running on the intelligence layer. Clients never make an explicit migration decision; they just realize, over time, that Aurore knows more than the SOR ever did.

Walk this with us in a 30-minute session — we'll show you exactly what we'd surface in your portfolio in the first week.

See the full approach →Book a walkthrough

Next step

Show us your operation. We'll show you what we'd surface.

Thirty minutes. Tell us the SOR you run, the volume you carry, the step that costs you the most. We'll come back with a tailored walkthrough — and a number, not a brochure.

For agencies

Lift liquidation. Cut $/seat.

For agencies →

For buyers

Price portfolios with conviction.

For buyers →

For sellers

Sell at the price your data deserves.

For sellers →