Collections MAX is the lowest-cost debt collection software on the market — trusted by thousands of U.S. collection agencies. Download free today, upgrade when you're ready.
Why Collections MAX
Other collection agency software charges hundreds per seat per month. We don't. Collections MAX gives small and mid-sized collection agencies enterprise-level tools at a fraction of the cost — fully FDCPA-compliant and built for the accounts receivable management (ARM) industry.
Start completely free — no credit card required. Upgrade to Professional for a one-time $179.95 per computer — no monthly fee on the software license, ever. Perfect for small collection agencies that need professional-grade tools without enterprise pricing. Optional database hosting is available from $25/month if you need your database online rather than on your own server.
New collectors can be trained in as little as a single day. The point-and-click interface puts critical information at a glance — color-coded fields, single-click editing, and smart status indicators.
The Payment Runner ($85/month) automatically processes all your post-dated credit card payments overnight via USAePay, Authorize.Net, or NMI — before you arrive in the morning. No partner merchant account required. Decca Payments customers get it free.
Give debtors a branded self-service portal to pay 24/7. Reduces inbound calls, speeds up collections, and integrates directly with your Collections MAX database.
Schedule automated tasks, generate reports, and run status-based workflows with the free Scheduler component. Keep your agency running even when your team is off the clock.
Prefer to own your own server? Install on Windows 10/11. Need remote collectors or a hosted option? Remote Collector (Collections MAX Cloud) starts at just $75/month for 3 users.
Our Products
A complete suite of Windows debt collection software and cloud tools — free to start, with affordable upgrades for collection agencies of any size.
Desktop Windows Software
Upgrade to Professional: $179.95 one-time / computer • No monthly fees on the license
The core Windows debt collection software used by collection agencies and ARM professionals across the United States. Installs on Windows 10 & 11. Includes Administrator, Collector (free limited), and Scheduler (free). Upgrade to Professional to remove all limitations — your license never expires. Note: if you need your database hosted online rather than on your own server, optional database hosting is available from $25/month.
Web-Based · Multi-User
3 users included • No server setup required
The full power of Collections MAX in your browser. Perfect for agencies with remote collectors, multiple locations, or those who prefer a fully-managed hosted solution.
Online Debtor Payments · Web-Based
Requires an online-hosted database
A branded online payment portal where debtors can pay 24/7 without calling your office. Requires your Collections MAX database to be hosted online — low-cost database hosting is available if needed.
Automated Skip Tracing
Up to 68% off typical skip trace rates
A server component that adds fully automated skip tracing directly into Collections MAX — no manual batching, no VPN, nothing to qualify for. Top-tier data streams straight into your system.
Compare Options
No hidden fees. No per-seat surprises. No contracts. Just the lowest-cost professional debt collection software available.
| Feature | Free Base System | Professional ($179.95) | Remote Collector (Cloud) |
|---|---|---|---|
| Collections MAX Administrator | ✓ Included | ✓ Included | ✓ Included |
| Collector Module | Limited (demo mode) | ✓ Full — no limits | ✓ Full web version |
| Scheduler / Automation | ✓ Free | ✓ Free | ✓ Free |
| Monthly Fee | $0 | $0 on license — optional DB hosting from $25/mo | From $75/mo (3 users) |
| License Expiry | Never | Never | Active subscription |
| Integrated Payments | — | ✓ With partner merchant | ✓ USAePay, Authorize.Net, NMI — any merchant |
| Priority Email Support | — | ✓ Included | ✓ Included |
| Free Lifetime Upgrades | — | ✓ Included | ✓ Included |
| Remote / Browser Access | Windows only | Windows only | ✓ Laptops & desktop computers |
| Server Required | Yes | Yes | No — fully hosted |
Collections MAX Skipper
Skip tracing is essential — but most providers charge a fortune. Skipper is built directly into Collections MAX, so you skip the extra software, the CSV exports, and the sky-high per-search rates.
What Customers Say
Thousands of collection agencies across the United States rely on Collections MAX every day.
"The best decision I've ever made. Our profits increased astronomically and our turnover rate decreased drastically. New collectors can be trained in 2 days — that alone is priceless."
"We switched from expensive software that charged us monthly per seat. Collections MAX does everything we need and the one-time fee paid for itself in the first month of savings."
"I can't believe how much we were overpaying for skip tracing before Skipper. The integration is seamless — it's all right there inside Collections MAX. Huge savings every month."
Common Questions
Everything you need to know before getting started.
Download Collections MAX at no cost. Upgrade only when you're ready. No contracts, no monthly fees, no surprises.