Workflow Composed of Modular Phases: the Consumer Debt default process is modeled using four separate, modular phases: Loan Intelligence, Workout, Repossession, and Collateral Sale. Each collateral has at least a Loan Intelligence (startup) phase, and users can work any of the remaining phases as needed. Each phase is essentially its own sub-module, with its own client-definable plans (composed of milestones, standards, and checklist items) and its own Worklist items. Clients can define an unlimited number of Consumer Debt Plans (templates) for each phase, a feature that is particularly useful for the Workout phase.

Multiple Collaterals: the user can enter information about an open-ended number of collaterals per loan and manage the default process for each piece of collateral independently (i.e., each Collateral has its own independent set of four phases).

Multiple Processors: each Consumer Debt phase for a given loan has its own processor independent of the other phases (but same for all collaterals for a loan), because workflow in a Consumer Debt portfolio is typically handled by multiple processors allowing for processor specialization to be utilized.