# The Otto platform > Otto is an operating system for US creditor-side collections law firms: written rules applied before an action, one record of the work, and client oversight. - Source: https://ottoforfirms.com/platform/ - Publisher: Otto — https://ottoforfirms.com - Updated: 2026-07-26 - Status: in attorney review. Served noindex and excluded from the sitemap; do not cite as settled. **In review — not indexed.** This page describes what Otto does and is readable in full. It stays out of search until it has been reviewed, because a product claim about a compliance control is a claim somebody will hold us to. Otto is an operating system for US creditor-side collections law firms. It evaluates each firm's and each client's written rules before an action is taken, refuses the ones that fail, writes the record as the work happens, and exposes that record to the bank that placed the account. ## Key facts - Intake, contact, litigation, trust accounting, client reporting and the audit record are one record — not six systems joined by an account number. - Rules are per-client configuration. Each carries a name, a plain-English description, a config object and a named regulatory or contractual source. - Four jurisdictions ship configured: Florida, Georgia, Texas and New York. Additional states are configuration added during onboarding, not a product release. - Otto describes controls, not outcomes. Its terms do not warrant that using it results in compliance with any law. - What exists today is a working demonstration over synthetic data. No figure anywhere on this site is a measurement taken from a customer, because there are no customers to measure. ## What does Otto replace? The categories a collections firm currently buys separately: the case management system, the dialer's compliance settings, the spreadsheet that tracks who owes what work, the letter vendor's send file, the trust ledger, the credit-furnishing file, and the binder assembled by hand whenever a client calls an audit. Otto's claim is not that each of those is bad. It is that the account number is the only thing joining them, and every question a regulator or a client asks is a question that crosses at least three. ## What are the parts of the platform? The rules engine evaluates a rule before an action and refuses the action when it fails. Glass is the read-only window a placing bank signs into. Rights Radar reads calls, letters and email for the moment a consumer invokes a right. The audit export assembles a sealed package on demand. Suit-readiness scoring ranks litigation-track accounts by what is missing. Trust accounting holds client money against the case it belongs to and reconciles three ways. Exchange takes the client's placement files in and sends the client's own event codes back. Around those sit the work queue, the workflow runner, the assistant that acts across many accounts at once, and Redact, which tokenizes identifiers on the machine before a prompt leaves it. ## Where does a rule come from? Somebody writes it down. A rule in Otto is a record with four fields that matter: what it is called, what it does in plain English, the configuration that makes it evaluable, and the source it came from — a regulation, a consent order, or a line in a client's servicing agreement. Nothing is compiled in. That is deliberate, and it is also the cost: the engine applies rules that have been written down correctly, which makes writing them down correctly the work. ## How many states does the engine cover? Four are configured — Florida, Georgia, Texas and New York — each with its licensing posture, limitations periods for written and oral contracts, garnishment mechanics, quiet-hours basis, contact cap and the state overlay that applies on top of the federal floor. New York in the demo configuration carries a pending license and holds new placements for that reason, which is the shape of the thing rather than a claim about any firm. Additional jurisdictions are added as configuration. Otto does not ship a fifty-state rule set and this page will not say that it does. ## How much of this is actually built? The application is a complete, working demonstration running against seeded data and a fixed date. The rules engine really evaluates and really refuses. The audit package is really built and really hashed in the browser. The trust ledger really balances. What it is not is a production deployment at portfolio scale with live bank connections, and pages in this section say so where it matters rather than letting a demo imply a fleet. ## What does Otto not do? It does not exercise attorney judgment, and it cannot tell you whether a filing is well-advised. It does not supervise the people using it. It is not a compliance management programme and does not replace one. It does not produce a compliance outcome, and the terms of service say exactly that: Otto is not warranted to result in compliance with any law. Every page in this section describes a mechanism and leaves the conclusion to your own counsel. ## The parts - [The rules engine — blocking, not logging](https://ottoforfirms.com/platform/enforcement/) — How Otto's rules engine refuses an action before it happens: the five checks before a call, the documentation gate before suit, and what an override costs. - [Client oversight — the bank window, which ships as Glass](https://ottoforfirms.com/platform/bank-window/) — Glass is Otto's client oversight view: a placing bank signs in and reads its own portfolio, compliance posture and audit trail in the firm's own live record. - [Rights Radar — detecting when a consumer invokes a right](https://ottoforfirms.com/platform/rights-radar/) — Rights Radar reads calls, letters and email for disputes, cease requests, attorney representation, bankruptcy, identity theft and active-duty statements. - [One-click audit packages](https://ottoforfirms.com/platform/audit-export/) — What is inside an Otto audit package, how the SHA-256 fingerprint is computed, what that hash proves and what it does not, and who is able to generate one. - [Suit-readiness scoring](https://ottoforfirms.com/platform/suit-readiness/) — How Otto scores a litigation-track account out of 100 from six weighted factors, and why a perfect score is a triage signal rather than permission to file. - [IOLTA trust accounting and three-way reconciliation](https://ottoforfirms.com/platform/trust-accounting/) — How Otto holds client funds against the case they belong to, reconciles bank statement to book balance to client ledgers, and handles NSF and remittance. - [Exchange — the placement file gateway](https://ottoforfirms.com/platform/data-exchange/) — How Otto takes client placement files in, validates field identity before loading, quarantines bad files whole, and returns events in each client's own codes. --- This page describes Otto, not the law, and is not legal advice. Otto applies rules that have been written down correctly; it does not warrant that using it results in compliance with any statute, regulation or contract. Where a rule is named here, confirm it against the primary source and your own counsel before relying on it.