A collections call goes
wrong long before
anyone says hello.
Quorum is collections decision software for teams reviewing accounts before contact. Connect the skip-trace providers you already pay for—your credentials, your contracts—and receive a documented decision for each account.
Each result includes an operating state—Proceed, Review, Block, No Result, or Run Failure—plus contact evidence, restriction flags, source provenance, and the reason behind the decision.
Start with a 30-day, audit-only pilot on your own accounts: 5,000 completed determinations, no automatic renewal. Pricing is quoted directly. Provider charges remain on your account.
Bring your own providers. Keep your existing systems. Review the evidence before rollout—no consumer contact.
Before You Ask
The reasons people say no.
"We already pay for skip trace."
You keep them. Quorum runs on your credentials, through your existing contracts. It does not replace your providers — it tells you which of them are worth keeping. Most agencies find they can cancel at least one.
"We would have to switch something."
No. Your team runs Quorum in its own workspace, or connects it by API / webhook (including Shopify Plus B2B and CRM sync), and we never take custody of your file. Nothing is ripped out, no dialer integration is required, and your team does not have to learn new software on day one.
"What if it does not work on our data?"
Then you cancel after a month. There is no contract and no minimum term. You can also start with a sample file evaluation on your past-due files to verify the results before rolling it out to your floor.
"Our compliance team will have questions."
Send them the compliance architecture page before the first call, along with your vendor security questionnaire. We would rather answer it early than discover in week six that we are the reason a deal is stalled.
"Will this slow the floor down?"
It speeds it up. Your operators currently burn dial attempts on numbers that were never right or already in bankruptcy. Quorum flags those before anyone picks up the phone, with published capacity bands that keep usage predictable.
"You are a small company."
We are, and we say so in writing rather than waiting to be asked — including in the security overview we hand to your reviewers. Month-to-month terms exist precisely so that our size is your decision to make, not a risk you are locked into.
"We have developers. We could build this ourselves."
You could — the architecture is an afternoon at a whiteboard. The rules are the work, and the one thing an internal build cannot produce is a determination an examiner will accept as reviewed by someone other than you.
Why They Sign
The reasons people say yes.
One outcome per account.
Proceed, Review, Block, No Result, or Run Failure. A canonical determination — not a score to interpret, not a lookup result to argue about. Every account leaves with exactly one, and the floor knows what to do with it.
Every decision shows its work.
Source, timestamp, and evidence lineage are retained on every production decision, alongside the registered reason and the policy basis. When someone asks why an account was worked the way it was, the answer already exists.
Agreement has to be earned.
Sources that trace back to one upstream file do not stack into corroboration no matter how many of them return the same answer. Independence is established before agreement counts for anything.
Accounts stop before the dial.
Attorney representation, deceased status, and restricted paths are detected and routed at determination time — not discovered afterwards by the person who already placed the call.
A failure is never dressed as an answer.
No Result is valid only after the permitted investigation completes. Routing and execution failures stay Run Failure and are reported separately, so an empty result is never quietly counted as a clean one.
Channel policy, account by account.
Call, SMS, email, and mail each come back allowed, blocked, or review, with the preferred next allowed step attached. The determination says not only whether you may act, but how.
Capacity you are quoted, not metered into.
Bands are sized on completed determinations, with the overage rate stated up front and a term that stays month to month. You are told the number for your volume before you commit to it, rather than billed into finding out.
Where People Start
Two ways to start.
Both run on your own accounts, through your own provider credentials. Where they lead is different, and worth being plain about: Quorum is a monthly product, and the pilot is a paid evaluation of it that is credited against your first invoice if you carry on. The audit is the one engagement here with nothing recurring attached.
Run it on your own accounts for a month.
5,000 completed determinations over 30 days, against the providers you already pay for. You see the operating states, the contact evidence, and the provenance record on accounts you recognize — not on a demo file we chose.
This is how the subscription starts rather than an alternative to it: take Core inside the pilot window and the pilot fee is credited against your first invoice. Decline and it ends on day 30 with nothing renewing.
Request informationFind out what you are paying for twice.
We run your file through your own provider stack and name which vendors returned unique evidence and which resold the same upstream file back to you. Sold once and delivered as a report. Nothing recurring is attached to it.
Scoped and quoted on the size of the file. Most agencies find they can cancel at least one provider on the strength of it.
Request informationThen the monthly product, which is where this goes. Capacity is sold in bands on completed determinations, with a stated overage rate, month to month and no minimum term. We quote the numbers on a call or by email once we know your volume, rather than publishing a figure that fits nobody. How the pricing works.
What You Get
The decision is the product.
Run your own accounts in your own workspace against customer-authorized evidence and the providers you already pay for. Quorum returns the contact evidence, the allowed operating state, and the provenance record behind it.
What the evidence says
Phones, addresses, employment, restrictions, and first-party history are normalized into one account record. Each usable fact keeps the source and timestamp that produced it.
Who uses it: the operating floor, on the accounts they are already working.
What may happen next
Every account receives one canonical outcome — Proceed, Review, Block, No Result, or Run Failure — with a registered reason and next allowed step. A controlling restriction stops ordinary treatment before a contact path is released.
Who uses it: compliance, and whoever answers for a wrong-party call.
Why the answer is defensible
Collections Adjudication Standard 1 (CAS-1) establishes whether supporting sources are independent before their agreement counts. The decision, evidence lineage, execution state, and audit hash remain attached so the answer can be reviewed and replayed later.
Who uses it: whoever answers for the quality of the file.
Why the third one changes the first two. A number four sources agree on looks safer than a number only one returned. If those four trace back to a common origin, the agreement is not corroboration — it is the same claim arriving four times, and the count is what makes it convincing. Independence is what separates a contact your collectors can work from one that merely looks well supported.
The Standard Behind the Product
CAS-1 means Collections
Adjudication Standard 1.
CAS-1 is Quorum's deterministic operating standard for deciding whether an account may Proceed, requires Review, must be Blocked, produced No Result after a complete investigation, or experienced Run Failure.
It applies proprietary evidence-independence, restriction, execution-integrity, and decision-control rules. Detailed adjudication standards are provided under confidentiality during diligence and implementation.
Quorum uses customer-authorized first-party records, attached reports, and approved connected providers. Every production decision retains source, timestamp, and evidence lineage.
Bureau data is used when permitted and required by the customer-approved workflow. A bureau pull is valuable evidence, but it is not treated as a universal prerequisite.
No Result is valid only after the permitted investigation is complete. Provider or routing failures remain Run Failure and cannot be disguised as a substantive decision.
Six providers returning the same answer is not six confirmations when all six resell one upstream file. That is one opinion, counted six times, and treating it as corroboration is how a wrong number survives review. CAS-1 does not credit agreement until the evidence behind it is established as independent. The rules that make that determination are proprietary and are shared under confidentiality.
What Quorum Produces
A Recovery-Path
Decision Packet
Every account gets a CAS-1 determination packet — not a score and not a lookup result. It records the canonical outcome, evidence lineage, execution status, and policy basis.
The Decision is the Product
High-volume files become operator-ready decisions.
Records In
Quorum accepts files where names, phones, emails, addresses, or source records may be incomplete, stale, duplicated, conflicting, or unsafe to use directly.
File IntakeDecision Routing
Every account is evaluated under CAS-1 against first-party anchors, attached CBR evidence when available, provider returns, restrictions, and independent-family requirements. The engine returns a canonical decision — not a score.
Operator StateProof Returned
Operators receive the CAS-1 outcome, registered reason, evidence basis, restrictions, contact-path map, execution status, hashes, and next allowed step.
Review OutputControlled Evaluation
Prove Quorum on an authorized account set.
A limited-account evaluation lets your team run customer-selected accounts through the complete Quorum workflow using its approved records, policies, and evidence connections.
Evaluation activity remains inside a protected workspace and is bounded by an approved account allowance. Quorum documents system behavior and decision integrity; it does not predict liquidation, legal outcomes, or recovery performance.
- ✓Customer-selected accounts processed in a protected workspace
- ✓One terminal operating result for every record
- ✓Separate Proceed, Review, and Block queues
- ✓Run failures reported separately from substantive decisions
- ✓Determination and evidence integrity records for every account
- ✓Reconciled account counts and balances
Built For