Abstract: A method of managing collections accounts is provided. Data associated with a plurality of collections accounts is received from a plurality of data sources and stored in a first data repository. A plurality of business rules are stored in a business rules database. The plurality of business rules are independent of the plurality of collections accounts. One or more of the plurality of business rules are applied to at least a portion of the stored data to determine whether to initiate one or more particular collections activities regarding one or more of the plurality of collections accounts.