A system is provided for placing debt with a debt collector from a plurality of debt portfolios. Each of the debt portfolios includes a plurality of individual debt accounts. The system includes a collections module for maintaining collector data for a plurality of debt collectors. The system includes a placement module for matching individual debt accounts from the plurality of debt portfolios with selected debt collectors from the plurality of debt collectors. The match is made to assign debt accounts with the collector best suited to collect on the debt. The match can be determined based on historical performance of the collectors and based on the characteristics of the debt account.