Placements in.
Judgments out.

Otto applies each client's written rules before an action is taken, refuses the ones that fail, and writes the record as the work happens. It is built for US creditor-side collections law firms.

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The reference

• Statute of limitations, by jurisdictionLimitations periods on consumer debt across 51 US jurisdictions, quoted from each state's own code. 50 attorney-reviewed and published.
• Compliance referenceRegulation F, the FDCPA, the TCPA, GLBA Safeguards, Metro 2 and trust accounting — 10 explainers, each cited to the rule itself.
• Glossary40 terms from US consumer-debt collection, defined in one sentence each.
• Audit readiness checklistA 28-item self-assessment for a bank's oversight review. It prints, it needs no sign-up, and nothing you tick is sent anywhere.
• Operational guidesHow the rules are run day to day: validation notices, call frequency, bureau disputes, the audit file.

The product

• The platformWhat Otto does, part by part.
• Compared with what you run todayCollectMax, Q-LawE and Collection Master, feature by feature.
• MigratingWhat moves, what does not, and what it takes.
• The ROI modelHow to model the return, and what the model does not capture.