A method to effectively utilize an oil debris monitor to provide advanced warning to mechanical system failures in a high noise system by adapting detection and annunciation algorithms to the background noise in a system that includes collecting I and Q channel data from a sensor; processing the I and Q channel data to both calculate a noise based (RMS adjusted) detection threshold and to identify a ferrous and nonferrous signal; processing the ferrous and nonferrous signals to determine signal peaks above the RMS adjusted detection threshold; adjusting a detection threshold if more signal peaks observed than allowable particles in a given time window; transmitting the detection threshold previously determined to particle detection, rate limit adjustment, detectability algorithms, and estimated mass loss accumulation.