Reg F in practice: call frequency, validation notices and electronic communications
What the rule requires and how to configure contact plans around it.
Debt collection software from ICCO
From placement to payment. One system.
CollectPlus 12 brings collector work queues, payment links, creditor remittance and a self-service debtor portal together in a new web app your collectors, creditor clients and debtors open in a web browser.
- Hosting, upgrades and support included
- Free integrations for new customers
- Built on Microsoft SQL Server
Payment received
$137.50 by payment link · plan 1 of 3
$137.50 by payment link · plan 1 of 3
Illustration. Final site uses screenshots from the CollectPlus 12 demo database.
- Collection agencies
- Healthcare billing offices
- Universities
- Law firms
- In-house AR teams
Solutions
Built for the way you collect
The same system runs a small agency and a university collections office. Configuration, not custom code, adapts it to your accounts, clients and rules.
Product tour
From placement to remittance in one system
Pick an area to see what your team gets on day one.
Start each day with the right accounts
Work queues rank accounts by the rules you set, so collectors spend time on the calls most likely to pay.
- Queues by collector, creditor, age or balance, refreshed automatically
- Contact plans schedule letters and follow-up tasks for every new account
- Move account to account with a triage drawer, keyboard shortcuts and one-click follow-ups
- Dashboards show each collector today's work and each manager the team's
Contact plan · Medical, standard
Day 0Validation notice by mail
Day 7Text with payment link
Day 14Collector call task
Day 30Second letter with QR code
Day 45Manager review
Make paying the easiest next step
Send a secure payment link by text or email, or print a QR code on the letter. Debtors pay in a few taps and the payment posts to the account.
- Payment links and QR codes on letters and statements
- Card and ACH payments through your payment processor
- Payment plans and promises to pay, with reminders by text or email
- Card and ACH batches with a live/test banner and a review list
Text message
Hi Maria, your balance with Oak Ridge Medical Group is $412.50. Pay securely: pay.agency.example/Q7x2
Reply STOP to opt out
Scan to pay
(on the letter)
Give every creditor client a reason to stay
Each creditor gets its own fee structure, reports and portal login. Remittance, invoices and trust accounting run from the same ledger.
- Contingency, flat or tiered fees per creditor
- Check runs, or RPPS, ACH and check files, from the browser
- A creditor portal with their own queues, remittance checks and documents
- Full trust accounting with bank reconciliation
Remittance · Oak Ridge Medical Group
PeriodSep 1–30, 2026
Collected$12,480.00
Contingency fee (25%)−$3,120.00
Net remittance$9,360.00
Check run Oct 3Statement emailed
Let debtors resolve accounts on their own time
A secure portal where debtors see what they owe, pay, send a message or sign a document at 11 PM on a Sunday.
- Balances, payment history and documents
- Pay the balance or the next installment online
- Secure messages that stay on the account record
- Electronic signatures and communication preferences
Hi, Maria
Balance
$412.50
Next payment Oct 15 · $137.50
Pay now
Payment history
Messages (1)
Automate the routine and keep people on the exceptions
Workflow rules act on events and schedules. Custom forms capture exactly the data you need. Google Gemini reads documents and suggests next steps.
- Rules that send, schedule, update and assign on their own
- Letter batches with merge fields and e-signatures
- A form designer for your own screens and questionnaires
- AI document summaries and engagement suggestions
WHENA promise to pay is 2 days past due
THENText a payment link, create a call task for the assigned collector and add a note
AI summary of uploaded documentItemized hospital statement, date of service Aug 12, 2026. Patient balance after insurance: $412.50.
Know where every dollar stands, and who touched it
Role dashboards and SQL Server reports answer the daily questions. Two-factor sign-in, permissions and an audit trail answer the auditor's.
- Promises, collections and delinquent balances by collector and creditor
- SQL Server reports in PDF or Excel, and CSV exports from grids
- Two-factor sign-in and role-based permissions
- Audit trail and encryption of sensitive fields
Portfolio aging
2FA onAudit trailSSNs encrypted
What's new
New in CollectPlus 12
Version 12 brings CollectPlus to the browser: one web app for collectors, creditor clients and debtors, with new ways to get paid and to reach debtors.
New
A new web app
Collectors, creditor clients and debtors work in a modern browser app, and more back-office screens move to the web with each release.
New
Pay by link or QR code
Text or email a secure payment link, or print a QR code on the letter. The amount is worked out when the debtor pays.
New
AI next-step suggestions
On the debtor interaction screen, Google Gemini suggests the next contact or task. It never changes the account on its own.
New
Card, ACH and check runs on the web
Run card batches with a live/test banner and review list, create NACHA files and print creditor checks from the browser.
New
Mass letters with live progress
Build document batches from a work queue, test them, watch progress and resend the failures.
New
Click-to-call
Click a phone number and your Intermedia phone rings, then the debtor. No dialing, no typos.
Evaluating CollectPlus?
Answers for the business and for IT
For owners and managers
Collect more per collector
- Fewer manual steps between a call and a posted payment
- Self-service payments that work nights and weekends
- Creditor reporting that wins and keeps placements
- One price: $1,095 a month for up to 3 users, hosting included
- Free integration with the systems you already use, for new customers
For IT and security teams
A Microsoft stack you already know
- Application
- Web app on ASP.NET Core (.NET 8)
- Database
- Microsoft SQL Server, with SQL Server Reporting Services
- Hosting
- Hosted and maintained by ICCO, included in the price; your own servers or cloud account on request
- Integration
- SOAP and REST web services, file imports, Authorize.Net, NMI and Clover, email and text providers
- Security
- Two-factor sign-in, role permissions, audit trail, field encryption
Customers
What ICCO customers say
“So far we have been able to automate 7 positions for a savings of $3,500 per week in labor costs. Training employees is much faster and easier given the layout of the software.”
“I’ve yet to have an email or phone call remain unanswered for more than a single business day—most often getting a response to a question within minutes.”
“Because of the CollectPlus software we have increased productivity, effectiveness, and the automating of specific services has made us more efficient.”
See it your way
See CollectPlus with your own workflow
Watch a short overview now, click through the product at your own pace, or have a specialist walk you through the parts you care about.
Watch the 3-minute overviewNo form required.
Take the interactive tourClick through a collector's day in the real interface.
Book a live demoA specialist shows you the parts you care about. 30 or 60 minutes.
Prefer to talk? Call 954.255.2622
Resources
Guides for collection teams
Text-to-pay for collections: links, QR codes and opt-outs
How payment links shorten the time from contact to payment.
Medical debt collection in 2026: credit reporting, state rules and patient experience
A plain-language overview for agencies and billing offices.
CollectPlus 12 is a hybrid. Collectors, creditor clients and debtors work in a web app, and the Windows app handles back-office work such as trust accounting. Each release moves more of it to the web.
ICCO hosts and maintains CollectPlus on Microsoft SQL Server, and hosting is included in the price. If your policies require your own servers or cloud account, ask us.
CollectPlus costs $1,095 a month for up to 3 users, plus $199 a month for each additional user. That includes hosting, automatic upgrades, and unlimited technical support by email and chat. New customers also get free integration with the third-party systems they already use. See pricing.
Yes. Converting your debtors, accounts, payments and notes is part of implementation, and our team handles it with you.
Staff sign in with two-factor authentication and see only what their role allows. Changes are recorded in an audit trail, and fields such as Social Security numbers can be encrypted in the database.
Ready to see it with your accounts?
A 30-minute demo covers your workflow, your creditors and your questions.