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About Epiq Bankruptcy
The largest provider of bankruptcy data, technology and services, and a trusted partner to companies operating in the business of bankruptcy
About Epiq Bankruptcy
The largest provider of bankruptcy data, technology and services, and a trusted partner to companies operating in the business of bankruptcy
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DATA
Data SourcesLearn more
Data is integrated from U.S. Bankruptcy Courts, U.S. Census, National Data Center (NDC) and customer data systems to proactively manage your case or portfolio, mitigate risks, improve digital workflows and optimize efficiencies.
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TECHNOLOGY
Filer Match & Notify
Automatic, daily matching and notification of bankruptcy filings within your debtor portfolios
Docket, Claims & Disposition Monitoring
Never miss new bankruptcy filings or updates to existing cases
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Case Search & Document Retrieval
Get scalable, advanced bankruptcy case search and document retrieval capabilities with the flexibility to import your customer loan numbers to reduce search
Cashiering
Auto-match payments from the National Data Center to your loan portfolio and eliminate manual cashiering work
API Integrations
Enhance operational efficiency with real-time electronic integration
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Epiq AACER
A bankruptcy services platform built with superior data, technology and expertise to create insights and mitigate risk for businesses impacted by bankruptcies
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Epiq Bankruptcy Analytics
The industry-leading source for real-time bankruptcy court data and statistics to help you discover insights, spot trends and stay ahead of the curve
Epiq Case Power
Comprehensive bankruptcy case management and administration technology and services for Chapter 13, 12 & 11 Subchapter V cases
Epiq Notify
An efficient way to get your document uploaded, printed and mailed through online access to our state-of-the-art facilities that handle millions of mailing daily
Epiq 11
Access to information and documents filed in active Epiq restructuring cases with ability to file claims and subscribe to docket updates
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test1TechnologyLeveraging the most comprehensive U.S. bankruptcy court dataset to provide technology that helps lenders, servicers, trustees, attorneys, investors and other stakeholders operating in the business of bankruptcy to automate and scale operations
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SERVICES
Data Scrubs & Special Projects
Meet critical deadlines and make better decisions with bankruptcy intelligence
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Bankruptcy Services
Leverage Epiq AACER’s new and historical data to support critical business decisions throughout the bankruptcy process
Trustee Services
Providing bankruptcy trustees with comprehensive, start-to-finish bankruptcy administrative support
Corporate Restructuring
Navigate the complexity of corporate restructuring with Epiq’s experienced professionals
Bankruptcy ServicesLearn moreLeverage world-class data and a team of experts to increase accuracy and efficiency in your daily tasks
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RESOURCES
Bankruptcy Resources
Resources such as press releases, news articles, blog posts, webinars and more to offer insights for professionals in the business of bankruptcy
Bankruptcy Resources
Resources such as press releases, news articles, blog posts, webinars and more to offer insights for professionals in the business of bankruptcy
Bankruptcy Resources
Resources such as press releases, news articles, blog posts, webinars and more to offer insights for professionals in the business of bankruptcy
Bankruptcy ResourcesLearn moreResources such as press releases, news articles, blog posts, webinars and more to offer insights for professionals in the business of bankruptcy
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COMPANY
About Epiq Bankruptcy
The largest provider of bankruptcy data, technology and services, and a trusted partner to companies operating in the business of bankruptcy
About Epiq Bankruptcy
The largest provider of bankruptcy data, technology and services, and a trusted partner to companies operating in the business of bankruptcy
About Epiq BankruptcyThe largest provider of bankruptcy data, technology and services, and a trusted partner to companies operating in the business of bankruptcy
The Situation
Many lenders still struggle with bankruptcy’s myriad filings, responses, and jurisdictional dos and don'ts. Once a filing is made, rules change, guardrails arise around when lenders can communicate with the customer; federal, state, and district requirements all apply, and each may be different.
A leading nationwide direct mortgage lender knew that protecting their own and their customers’ interests during bankruptcy proceedings - while remaining compliant - required up-to-date information. They turned to Epiq AACER.
Bypassing PACER for Greater Efficiency
While the Department of Justice's PACER database does provide an electronic repository of court records, it cannot push that information to lenders; lenders must go find it. PACER cannot provide company-wide information since each record is purchased blindly; there's no way to know if someone else in your organization already has that record. This leads to gross inefficiencies, with each bankruptcy specialist having to compile his or her own list of records deadlines, and actions surrounding each bankruptcy. And none of this information can be easily shared organization wide.
A bankruptcy specialist for this particular direct lender client left PACER behind at their previous position and has relied on AACER for years. Now functioning in a role that AACER enables, with access to and ability to disseminate, company-wide, up-to-date information on bankruptcy filings, they act as a conduit between the lender, the customer, and the relevant attorneys.
Enhancing Compliance
This continually updated information pushed to lenders reduces risk. “For instance, if I get an alert about a motion for relief from EISA, I know I have 90 days to respond. If I get a notice to find a cure, I only have 30 days. Of course, those alerts not only inform me, but help me prioritize to ensure we never miss deadlines and remain compliant."
With AACER, knowledge of each individual case is available to the entire organization. No one is left behind, which further reduces compliance risks as well as enabling every department to seize opportunities to both protect the investment and identify ways to keep the customer in the home.
Working within AACER allows the user to become the center of the wheel surrounding bankruptcies involving customers, attorneys, and trustees, while acting as single point of contact for internal departments and having a central source of accurate information that is a lot more efficient.
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Maximizing the Value of Knowledge
While AACER is no replacement for expertise, what it does is give specialists the tools they need to really make the most of their knowledge, and what they need to work faster, smarter and apply that knowledge more effectively.
Throughout the process of this lender client’s engagement with AACER they have found the Epiq team easy to work. "It's been a collaborative process," the bankruptcy specialist states. "They're very customer focused and eager to make sure I have what I need to get the most from the system.”
Finally, and perhaps most importantly, AACER allows users to better serve customers during extremely challenging circumstances. “Most customers have never filed bankruptcy before. They don't know half of what it involves. For instance, I had a divorced couple, one of whom had filed bankruptcy, relinquishing his interest in a house. I was able to quickly let the other partner know that she could keep the property if she continued to pay the mortgage. She was able to modify the loan and stay in the house."
There is power in accurate, real-time, company-wide data. Every industry from finance to manufacturing to health care is adopting digital tools to take advantage of it. For lenders, AACER provides digital transformation in the bankruptcy space. "It's the tool that makes my job possible. I can't imagine doing my job without it, and I don't think related departments can imagine doing their jobs without the information I can provide because of AACER."
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