Delinquency & collections. Firm process, clean records.
When a loan goes sideways, process quality decides the outcome — and the record decides any dispute. A8 Core™ runs delinquency as staged workflow with notices, promises, plans, and legal milestones recorded as they happen.
The delinquency lifecycle
Stage-driven, policy-configured, evidenced.
Early stage
Aging buckets, borrower outreach, and promise-to-pay tracking.
Workout
Payment plans and modifications with approval workflow and new schedules.
Bankruptcy
Automatic-stay awareness: activity restrictions and claim tracking when a filing is recorded.
Enforcement
Repossession or foreclosure milestones tracked with counsel and vendor records.
Resolution
Cure, payoff, settlement, or charge-off — each with its accounting and evidence.
Records that hold up
Collections generates disputes; the platform generates the record.
Notice history
Every notice with content, method, and timestamp.
Contact log
Interactions recorded against the loan with operator attribution.
Decision trail
Plan approvals, referrals, and charge-offs under maker-checker.
Build on the account operating system.
See how this module fits your institution’s account, custody, and operations model.