Collections / credit repair software, built around NMLS, CFPB and FDCPA/Reg F contact-attempt governor

Arkathos gives a collections a workspace tailored to how the work actually runs — This workspace is built around working each debtor/client account to resolution with FDCPA/FCRA-compliant outreach. Arkathos tailors a collections workspace around 5 agents: Sentinel, Scribe, Watchtower, Courier, Herald.

Compliance a collections can't afford to miss

Watchtower tracks every license, bond, insurance policy, and continuing-education requirement for a collections, with renewal cadences and staged reminders so nothing lapses.

• A collections must maintain a State debt collection agency license, through the State financial regulator / Department of Financial Institutions (most filed via NMLS; the state regulator, not NMLS, grants the license), which renews every year.
• A collections must maintain a Collection agency / third-party debt collector surety bond, through the Licensed surety company, filed with the state regulator (e.g., TX Secretary of State, NJ DORES, NYC DCWP), which renews every year.
• A collections must maintain a NMLS company record (MU1 filing & annual renewal), through the Nationwide Multistate Licensing System & Registry (NMLS), operated by the Conference of State Bank Supervisors (CSBS), which renews every year.
• A collections must maintain a FDCPA / Regulation F compliance obligation, through the Consumer Financial Protection Bureau (CFPB) — 12 CFR Part 1006, which has no fixed renewal cycle.
• A collections must maintain a RMAI Certified Receivables Compliance Professional (CRCP), through the Receivables Management Association International (RMAI), which renews every two years.
• The RMAI Certified Receivables Compliance Professional (CRCP) carries a continuing-education requirement of 24 hours every two years (2h Ethics, 1h UDAAP (unfair, deceptive, or abusive acts or practices), 1h Artificial intelligence, 20h Elective / receivables-management coursework).
• A collections must maintain a ACA International Professional Collection Specialist (PCS), through the ACA International (the Association of Credit and Collection Professionals), which renews every two years.
• The ACA International Professional Collection Specialist (PCS) carries a continuing-education requirement of 4 hours every two years (4h Professional Development Units (PDU)).
• A collections must maintain a Professional liability / errors & omissions (E&O) insurance, through the Private insurance carrier, which renews every year.
• A collections must maintain a General liability insurance, through the Private insurance carrier, which renews every year.
• A collections must maintain a Cyber liability / data breach insurance, through the Private insurance carrier, which renews every year.
• A collections must maintain a Workers' compensation insurance, through the Private insurance carrier or state workers' compensation fund, which renews every year.

Everything Arkathos runs for a collections

These are the agents set up first for a collections — and because it's one platform, every plan includes all 16 Arkathos agents. Also included whenever you need them: Treasury, Guardhouse, Quartermaster, War Room, Armory, Marshall, Mint Warden, Vault Keeper, Bulletin Board, Client Portal.

• Sentinel — Contact & lead management, Deal / estimate pipeline, Task & follow-up tracking, SMS & email outreach, Pipeline reporting.
• Scribe — Document & contract templates, E-signature, Proposal & form builder, PDF / Word export.
• Watchtower — License & permit tracking, Certification & continuing-education (CE) tracking, Renewal reminders & alerts, Compliance document vault.
• Courier — Unified email inbox, Smart categorization & routing, Scheduled & drafted sends.
• Herald — SEO & get-found content, Social media scheduling, Email & newsletter campaigns, Brand voice & content studio, Review & reputation growth, AI-overview & directory visibility.

Your tailored collections workspace

These are net-new, collections-specific capabilities — not a generic CRM bolted onto your industry.

• FDCPA/Reg F contact-attempt governor (Sentinel): Per-account communication caps enforcing the Reg F 7-in-7 call rule and 7-day post-contact rule, allowed call/SMS windows by debtor timezone (8am-9pm local), and hard cease-communication + dispute flags that freeze all outreach the moment they are set.
• Validation & dispute letter engine (Scribe): Generate the model debt-validation notice, FCRA dispute letters to the credit bureaus, and demand letters with mail-merge of account, balance, and creditor, while tracking the 30-day validation window per account.
• Account disposition + promise-to-pay tracker (Sentinel): Standard disposition codes (RPC, PTP, broken-PTP, dispute, cease, settled, uncollectible), a promise-to-pay schedule with automatic follow-up on the due date, and a settlement-offer workflow with approval thresholds.
• Trust/escrow accounting for collected funds (Treasury): Segregate collected debtor funds into a trust ledger, split each payment into creditor remittance vs agency fee/commission, and reconcile so client/creditor money is never commingled with operating revenue.
• CROA credit-repair guardrails (Watchtower): Enforce the CROA no-advance-fee rule, the mandatory 3-business-day right-to-cancel window per signed client contract, and the required written-contract disclosures, blocking billing until the cancel window passes.

The agents and tabs you get

Sentinel for a collections surfaces Overview, Contacts, Tasks, Chat. Scribe for a collections surfaces Documents, Templates, Chat. Watchtower for a collections surfaces Compliance items, Policies, Calendar, Chat. Courier for a collections surfaces Compose, Calendar, Inbox, Filters, Chat. Herald for a collections surfaces Compose, Schedule, Get found, Directories, Your ROI, ✦Studio, Chat, Brand voice.

Frequently asked questions

best software for credit repair business

Popular dispute-automation picks include Credit Repair Cloud, Client Dispute Manager, DisputeFox and ScoreCEO. For the back office (CRM, invoicing, scheduling, compliance, marketing), Arkathos runs it all on flat pricing with no per-seat fees.

how much does credit repair software cost per month

Dispute-focused tools run roughly $29-$179/month (Credit Repair Cloud $179-$599; DisputeBee/DisputeFox around $39-$99). Arkathos uses flat pricing with no per-seat fees, so cost doesn't climb as you add staff.

what software helps my credit repair business stay compliant with croa and fcra

Credit repair falls under CROA, FCRA, FDCPA and the TSR: no upfront fees, written contracts, 3-day cancellation, audit trails. Good software logs interactions and stores documents; Arkathos includes a compliance agent tracking these rules.

do i need a crm for my credit repair business

Yes once you serve multiple clients: a CRM centralizes files, automates follow-ups and keeps audit trails for compliance. Arkathos bundles a CRM with scheduling, payments and marketing in one flat-priced platform.

how do i get clients for my credit repair business

Referral partners (mortgage brokers, realtors, auto dealers) convert best, backed by a website, reviews and educational social content. Avoid guaranteed-result claims (a CROA violation). Arkathos's marketing and CRM agents run outreach and nurture leads.

how do i set up recurring payments for credit repair clients

You need a high-risk merchant account plus recurring-billing software, and under CROA you can't charge before services are performed. Arkathos handles invoicing, payment plans and recurring billing inside its finance agents.

do i need special software to run a collection agency

Yes: collection agencies need debt-collection software (Collect!, InterProse ACE, Maxyfi) with dialers, skip tracing and FDCPA compliance. Arkathos covers the CRM, scheduling, payroll and finances around that core recovery workflow.

is there an all in one software to run a credit repair business

Yes: ScoreCEO, Credit Repair Cloud and HighLevel bundle CRM, invoicing and scheduling. Arkathos is an AI platform with 16 agents (finances, CRM, scheduling, payroll, compliance, marketing) tailored to credit repair on flat pricing.

credit repair software with client portal and automated dispute letters

DisputeFox, Client Dispute Manager, Credit Repair Cloud and DisputeBee offer branded client portals plus AI/Metro 2 dispute-letter generation. Arkathos complements these with the CRM, scheduling, billing and marketing side on flat pricing.

What licenses and insurance does a collections need?

Arkathos tracks 10 items for a collections, including State debt collection agency license, NMLS company record (MU1 filing & annual renewal), FDCPA / Regulation F compliance obligation, RMAI Certified Receivables Compliance Professional (CRCP). Each renewal and expiration is monitored in Watchtower with staged reminders.

What continuing education is required for a collections?

The RMAI Certified Receivables Compliance Professional (CRCP) carries a continuing-education requirement of 24 hours every two years (2h Ethics, 1h UDAAP (unfair, deceptive, or abusive acts or practices), 1h Artificial intelligence, 20h Elective / receivables-management coursework). The ACA International Professional Collection Specialist (PCS) carries a continuing-education requirement of 4 hours every two years (4h Professional Development Units (PDU)). Watchtower logs hours by category and flags shortfalls before the deadline.

Which Arkathos agents does a collections get?

Arkathos tailors a collections workspace around 5 agents: Sentinel, Scribe, Watchtower, Courier, Herald.

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