# Best Credit and Collections Software - Page 12

## How Many Credit and Collections Software Products Does G2 Track?

**Total Products under this Category:** 300

### Category Stats (Aug 2026)

- **Average Rating:** 4.34/5 The average rating of products in this category, based on all submitted ratings
- **Top Trending Product:** Versapay (+0.24%) - Among all products in this category, Versapay recorded the largest rating increase compared to last month

_Last updated: August 01, 2026_

## How Does G2 Rank Credit and Collections Software Products?

**Why You Can Trust G2's Software Rankings:**

- 30 Analysts and Data Experts
- 3,700+ Authentic Reviews
- 300+ Products
- Unbiased Rankings

G2's software rankings are built on verified user reviews, rigorous moderation, and a consistent research methodology maintained by a team of analysts and data experts. Each product is measured using the same transparent criteria, with no paid placement or vendor influence. While reviews reflect real user experiences, which can be subjective, they offer valuable insight into how software performs in the hands of professionals. Together, these inputs power the G2 Score, a standardized way to compare tools within every category.

## G2 Grid® for Credit and Collections Software
 ![G2 Grid® for Credit and Collections Software plotting products by satisfaction and market presence](https://www.g2.com/categories/credit-and-collections/grids.png?focus%5B%5D=5514&focus%5B%5D=95296&focus%5B%5D=17701&focus%5B%5D=23596&focus%5B%5D=159197&focus%5B%5D=39200&focus%5B%5D=41463&focus%5B%5D=89360)

Highlighted products: Creditsafe, D&B Finance Analytics Credit Intelligence, Billtrust, Quadient Accounts Receivable, Chargeflow, HighRadius Accounts Receivables, Tesorio, and Upflow.

Underlying data: [Grid® JSON](https://www.g2.com/categories/credit-and-collections/grids.json?focus%5B%5D=creditsafe&focus%5B%5D=d-b-finance-analytics-credit-intelligence&focus%5B%5D=billtrust&focus%5B%5D=quadient-accounts-receivable&focus%5B%5D=chargeflow-inc-chargeflow&focus%5B%5D=highradius-corporation&focus%5B%5D=tesorio&focus%5B%5D=upflow-upflow)

**Sponsored**

### OnRamp

OnRamp is an intelligent customer onboarding and engagement solution designed to help businesses streamline their customer success processes. By automating the onboarding project kick-off directly from the CRM, OnRamp enables organizations to provide a more efficient and personalized experience for their customers. This software solution focuses on reducing the time it takes for customers to realize value from a product or service, thereby minimizing churn risk and fostering long-term relationships. Targeted primarily at customer success teams, OnRamp is particularly beneficial for companies that prioritize customer engagement and retention. It caters to a diverse range of industries, including SaaS, e-commerce, and service-based businesses, where effective onboarding is crucial for maximizing customer satisfaction and loyalty. The platform's personalized workflows guide customers through the onboarding process, ensuring that they receive the support and resources they need at every stage of their journey. Key features of OnRamp include real-time visibility into onboarding progress, inline collaboration tools, and usage insights that keep customers engaged. The ability to monitor onboarding milestones and track customer interactions allows businesses to proactively address any challenges that may arise, further enhancing the customer experience. Additionally, the scalable workflows offered by OnRamp enable organizations to deliver a high-touch experience without the need for increasing headcount, making it a cost-effective solution for managing customer success initiatives. By leveraging OnRamp, companies can achieve faster onboarding times, higher product adoption rates, and stronger customer relationships. The platform not only helps in retaining existing customers but also supports revenue growth through expansion opportunities. As businesses utilize OnRamp to enhance their customer engagement strategies, they can expect measurable improvements in customer satisfaction and loyalty, ultimately transforming customer success into a sustainable growth engine.

[Visit website](https://www.g2.com/external_clickthroughs/record?secure%5Bad_program%5D=ppc&secure%5Bad_slot%5D=category_product_list_llm&secure%5Bcategory_id%5D=1537&secure%5Bchosen_at%5D=2026-08-04T06%3A24%3A28Z&secure%5Bdisplayable_resource_id%5D=2645&secure%5Bdisplayable_resource_type%5D=Category&secure%5Bmedium%5D=sponsored&secure%5Bplacement_reason%5D=retargeted_product&secure%5Bplacement_resource_ids%5D%5B%5D=151082&secure%5Bprioritized%5D=false&secure%5Bproduct_id%5D=151082&secure%5Bresource_id%5D=1537&secure%5Bresource_type%5D=Category&secure%5Bsource_type%5D=category_page&secure%5Bsource_url%5D=https%3A%2F%2Fwww.g2.com%2Fcategories%2Fcredit-and-collections%3Fpage%3D12&secure%5Btoken%5D=7a7fe6551bfdfecebd3f1bd23e49e8b540a76f3707a33ed5f99b7e7389e09016&secure%5Burl%5D=https%3A%2F%2Fhubs.la%2FQ03_ZbGR0&secure%5Burl_type%5D=custom_url)

### [Dasceq](https://www.g2.com/products/dasceq/reviews)

2iTM SaaS platform helps you manage your collections team performance and schedules to optimize efficiency. Further, it enables your team to adhere to the regulatory framework with ease, ensuring every customer is treated fairly.

#### Who Is the Company Behind Dasceq?

- **Seller:** [Dasceq s 2i Platform](https://www.g2.com/sellers/dasceq-s-2i-platform)
- **Year Founded:** 2017
- **HQ Location:** Irving, US
- **Twitter:** @dasceq  
148 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=7b55cf23ec6e3ad1474cdbf2728faada490014f975f277358741b0ab430d4410&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fdasceq&secure%5Burl_type%5D=linkedin_company_website)  
15 employees on LinkedIn®

### [Datacultr](https://www.g2.com/products/datacultr/reviews)

Datacultr is a global Digital Operating System for Credit Recovery, it drives collection efficiencies, reduces delinquencies and Non-Performing Loans (NPLs). Datacultr is a digital-only provider of consumer engagement, recovery and collection solutions, helping consumer lending, retail, telecom and Fintech organizations since 2019. Datacultr’s platform, makes the underserved and unbanked segment viable, for providers of Buy Now Pay Later, Micro-Loans, Nano-Loans and other unsecured loans. Datacultr is helping millions of new to credit consumers across emerging markets access formal credit and begin their journey towards financial health.

#### Who Is the Company Behind Datacultr?

- **Seller:** [Debt Collection Software](https://www.g2.com/sellers/debt-collection-software)
- **HQ Location:** N/A
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=7886df2ed926834e5eb248c77dcfa8e5c815d3ab1f0fe3132ced0dba45868834&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2FNo-Linkedin-Presence-Added-Intentionally-By-DataOps&secure%5Burl_type%5D=linkedin_company_website)  
1 employees on LinkedIn®

### [Debitura](https://www.g2.com/products/debitura/reviews)

Debitura is an international debt collection platform that recovers unpaid B2B and B2C invoices in 183 countries. Instead of sending every case to one agency, Debitura routes each claim to a licensed local collection partner in the debtor's country, selected on recovery performance, client ratings, and compliance scores. One standardized contract covers every jurisdiction and one dashboard tracks every case, so finance teams stop negotiating per-country agreements, chasing status updates, and juggling separate agency relationships. Debitura continuously tests partners and replaces underperformers, so clients always get the best partner in each market. Pricing is no cure, no pay. Clients pay nothing unless money is recovered.

#### Who Is the Company Behind Debitura?

- **Seller:** [Debitura](https://www.g2.com/sellers/debitura)
- **Year Founded:** 2025
- **HQ Location:** Delaware
- **Twitter:** @DebituraCollect
- **LinkedIn® Page:** [linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=8d96f98301083b2de76d8b37516e8a20a0807f49aa476a1c5477803a4974e221&secure%5Burl%5D=https%3A%2F%2Flinkedin.com%2Fcompany%2Fdebitura%2F&secure%5Burl_type%5D=linkedin_company_website)  
1 employees on LinkedIn®

### [Debt Collection & Skip Tracing](https://www.g2.com/products/debt-collection-skip-tracing/reviews)

Designed to help debt collection professionals in all aspects of their work, MicroBilt's suite of recovery and skip tracing tools provide quick, convenient, and current data that help you prioritize and successfully track people down and collect.

#### Who Is the Company Behind Debt Collection & Skip Tracing?

- **Seller:** [Microbilt](https://www.g2.com/sellers/microbilt)
- **Year Founded:** 1978
- **HQ Location:** Kennesaw, GA
- **Twitter:** @MicroBilt  
8,177 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=7e5d013ece5c42d71e05a74ee61246df8e50fbfd216d8a6cc69dac2f170f8198&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fmicrobilt-corporation%2F&secure%5Burl_type%5D=linkedin_company_website)  
174 employees on LinkedIn®

### [Debtflow](https://www.g2.com/products/debtflow/reviews)

Debtflow manages every aspect of the debt collection process focussing you on your core business and automating away everything else.

#### Who Is the Company Behind Debtflow?

- **Seller:** [Debtflow](https://www.g2.com/sellers/debtflow)
- **Year Founded:** 2011
- **HQ Location:** Roodekrans, ZA
- **Twitter:** @DebtFlow  
163 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=3770d1d105570d4b8610293eeef184c59bd4aee6d1d40c31d0513cfacff7027f&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fdebtflow%2F&secure%5Burl_type%5D=linkedin_company_website)  
1 employees on LinkedIn®

### [Debtist](https://www.g2.com/products/debtist/reviews)

More growth, less cash flow stress – focus on what matters with Debtist as your receivables management and debt collection partner. As a global digital debt management and collection Partner we are not just a software tool, we actively increase your Cashflow and order to cash cycle through debt management, dunning & collection for both B2B and B2C debts and open invoices. Reduce risk through Credt checks, send automated payment reminders and let Debtist take over your dunning and legal claims. With letters, emails, phone calls, and SMS, Debtist actively handles all steps to recover the Cash. This relieves the financial team while simultaneously increasing cash flow and revenue. We integrate into your accounting stack, for seamless case collection, bringing you the real-time insights to increase your cash collection cycle from Credit checks, payment reminders up to debt dunning steps and legal case handlings.

#### Who Is the Company Behind Debtist?

- **Seller:** [Debtist](https://www.g2.com/sellers/debtist)
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=a4c9f75712f92ba560af6bb5afbbf6c02413d05eaf43fc4e773a67ba19ae27d3&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fdebtist%2F&secure%5Burl_type%5D=linkedin_company_website)

### [DebtKit](https://www.g2.com/products/debtkit/reviews)

Running a debt management business with DebtKit is simple. Everything is in the cloud, there is nothing to install and it's designed with Financial Conduct Authority compliance in mind.

#### Who Is the Company Behind DebtKit?

- **Seller:** [Debtkit](https://www.g2.com/sellers/debtkit)
- **HQ Location:** N/A
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=806cb9318f7af5069b5bf61b25ec037cfddffaae3db3544b8797ed1972bca4af&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fshowcase%2Fdebtkit%2Fabout%2F&secure%5Burl_type%5D=linkedin_company_website)  
2 employees on LinkedIn®

### [Debtmaster](https://www.g2.com/products/debtmaster/reviews)

Debtmaster 360, offers everything you need to run your collections department. Quick setup and seamless operation with secure features allows your agency to be the best of the best, while significantly reducing capital expenses and exponentially increasing reliability and redundancy.

#### Who Is the Company Behind Debtmaster?

- **Seller:** [Comtronic Systems](https://www.g2.com/sellers/comtronic-systems)
- **Year Founded:** 1980
- **HQ Location:** Cle Elum, US
- **Twitter:** @Debtmaster360  
4 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=d194d375ae3cd5ce8530e03a5116e734cd0d7fa46d283e9243f3871ec94bcfc0&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fcomtronic-systems-inc%2F&secure%5Burl_type%5D=linkedin_company_website)  
14 employees on LinkedIn®

### [Debtmaster 360](https://www.g2.com/products/debtmaster-360/reviews)

Debtmaster360 offers everything you need to run your collections department. Quick setup and seamless operation with secure features allows your agency to be the best of the best, while significantly reducing capital expenses and exponentially increasing reliability and redundancy. This leaves you to focus on the core business of Debt Collection.

#### Who Is the Company Behind Debtmaster 360?

- **Seller:** [Comtronic Systems](https://www.g2.com/sellers/comtronic-systems)
- **Year Founded:** 1980
- **HQ Location:** Cle Elum, US
- **Twitter:** @Debtmaster360  
4 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=d194d375ae3cd5ce8530e03a5116e734cd0d7fa46d283e9243f3871ec94bcfc0&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fcomtronic-systems-inc%2F&secure%5Burl_type%5D=linkedin_company_website)  
14 employees on LinkedIn®

### [Debtorcare](https://www.g2.com/products/debtorcare/reviews)

The Debtorcare riskwizard is a form of artificial intelligence. He predicts risks by combining business information with the payment data of your own customers. Potential risks are automatically brought to your attention so that you can take targeted action more quickly.

#### Who Is the Company Behind Debtorcare?

- **Seller:** [Debtorcare](https://www.g2.com/sellers/debtorcare)
- **HQ Location:** N/A
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=7886df2ed926834e5eb248c77dcfa8e5c815d3ab1f0fe3132ced0dba45868834&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2FNo-Linkedin-Presence-Added-Intentionally-By-DataOps&secure%5Burl_type%5D=linkedin_company_website)  
1 employees on LinkedIn®

### [Debtpack](https://www.g2.com/products/debtpack/reviews)

Debtpack is a Windows based product that helps you effectively manage the accounts receivable process. It creates emails and sms's based on business rules and templates, it supports diary driven to do lists and allows for workflow escalation.

#### Who Is the Company Behind Debtpack?

- **Seller:** [Debtpack](https://www.g2.com/sellers/debtpack)
- **Year Founded:** 1987
- **HQ Location:** Pretoria, ZA
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=f0845c680ee26b9c7fc55593da38e21b0e725b8dc013ea803ea504e0ce530f55&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fdebtpack&secure%5Burl_type%5D=linkedin_company_website)  
8 employees on LinkedIn®

### [Debtrak](https://www.g2.com/products/debtrak/reviews)

Debtrak is an enterprise debt collection and management software platform that helps government agencies, banks, financial institutions, and professional debt collection agencies manage high-volume consumer debt recovery at scale. Built specifically for the collections industry, Debtrak supports the complete debt lifecycle — from initial account intake and automated communication through to legal enforcement, payment plan management, and portfolio settlement. Unlike general-purpose CRM or accounts receivable tools adapted for collections use, Debtrak is purpose-built with native workflows, compliance controls, and reporting capabilities that reflect more than 20 years of industry expertise. Key capabilities include: • Automated workflow engine with a visual drag-and-drop designer for configuring multi-step collection strategies • Omnichannel debtor communication across SMS, email, phone, and self-service web portals • Payment plan calculation, management, and arrangement tracking with configurable rules • Bulk account management with 500+ filters for portfolio-level segmentation and operations • Compliance engine with built-in contact frequency controls aligned to ACCC, ASIC, and GDPR requirements • ISO 27001 certified infrastructure with role-based access control and comprehensive audit logging • REST API integration with enterprise systems, diallers, payment gateways, and credit bureaus Debtrak supports organisations managing 10,000 to 60 million accounts from a single deployment, with proven performance in government revenue agencies and financial services environments. Flexible deployment options include Microsoft Azure cloud hosting, on-premise installation, and bring-your-own-cloud configurations. The IntelliEdge next-generation platform extends Debtrak with AI-powered capabilities including AI account summaries, next-best-action recommendations, predictive analytics for propensity-to-pay scoring, and automated Voice AI for debtor contact. An API-first headless architecture allows organisations to build custom frontends while leveraging the IntelliEdge backend. Debtrak serves clients across Australia, New Zealand, the United Kingdom, and Europe.

#### Who Is the Company Behind Debtrak?

- **Seller:** [Debtrak](https://www.g2.com/sellers/debtrak)
- **Year Founded:** 2002
- **HQ Location:** Sydney, AU
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=2f1368f6b39346d213021ac33570d0bb5e7253a864f6f589e5dbe16e4697e6a8&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fdebtrak-uk-limited%2Fabout%2F&secure%5Burl_type%5D=linkedin_company_website)  
8 employees on LinkedIn®

### [Debt Register Ltd](https://www.g2.com/products/debt-register-ltd/reviews)

Debt Register is the world’s only Leverage as a Service™ platform, proven for enterprise accounts receivable and credit teams. It is a fast-to-deploy leverage layer that sits alongside existing ERP, billing, and collections systems, delivering the leverage those systems were never designed to provide. The platform activates when past-due accounts stall. Instead of more effort, it applies a short, consequence-driven leverage cycle that creates urgency and resolves more accounts internally before agency escalation. Debt Register delivers clean, validated contact data, consistent global leverage, and full visibility into outcomes. Teams control which accounts enter the leverage cycle and continue to manage payments and queries in the systems they already use. Debt Register operates strictly prior to third-party escalation. It does not replace debt collection agencies or legal providers; it reduces downstream referral volume by empowering credit teams to resolve more accounts internally before escalation. The model is proven at enterprise scale. Johnson Controls increased net collections by 180 percent and reduced cost to collect by 53 percent, with 135 percent uplift delivered by Debt Register before agency involvement. Built for enterprise governance. Live globally from day one. Enterprise teams go live in under an hour with a free live trial.

#### Who Is the Company Behind Debt Register Ltd?

- **Seller:** [Debt Register](https://www.g2.com/sellers/debt-register)
- **HQ Location:** Austin, US
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=8bcf104119bb890f59164cb46d484808dd017234b52f70b8332e11fa2d108195&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fdebtregister-paytech-cloud-payment-solutions%2F&secure%5Burl_type%5D=linkedin_company_website)  
21 employees on LinkedIn®

### [Debtze](https://www.g2.com/products/debtze/reviews)

Debtze gives you cashflow insight in seconds using clear graphics and plain talking language. We also automatically chase what's owed to you through a highly effective, multi-channel debtor management process.

#### Who Is the Company Behind Debtze?

- **Seller:** [Debtze](https://www.g2.com/sellers/debtze)
- **Year Founded:** 2015
- **HQ Location:** Mayfair, GB
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=6c7be65c4df6e5d8600ac1c2a611649c3168cb464128eb3eb51b7e2f6a9d86a3&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fdebtze%2Fabout%2F&secure%5Burl_type%5D=linkedin_company_website)  
2 employees on LinkedIn®

### [Disbursement Services](https://www.g2.com/products/disbursement-services/reviews)

ACI Disbursement Services improve customer service, reporting and security. Some of the nation largest corporations use ACI electronic disbursement service for situations like credit card balance transfers, overpayment, the return of prepaid funds, refund of fees, insurance claims, loyalty rewards and more. Plus, with ACI economies of scale, you save money on disbursements.

#### Who Is the Company Behind Disbursement Services?

- **Seller:** [ACI Worldwide](https://www.g2.com/sellers/aci-worldwide)
- **Year Founded:** 1975
- **HQ Location:** Coral Gables, US
- **Twitter:** @ACI\_Worldwide  
8,621 Twitter followers
- **LinkedIn® Page:** [www.linkedin.com](https://www.g2.com/external_clickthroughs/record?secure%5Bsource_type%5D=product_profile&secure%5Btoken%5D=b022b0fa85d9978fd0356f4620a3bc4cccf199753ed62562d23e498887d0f78b&secure%5Burl%5D=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2F5063&secure%5Burl_type%5D=linkedin_company_website)  
4,944 employees on LinkedIn®
- **Ownership:** NASDAQ: ACIW

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[Browse Credit and Collections Themes](/categories/credit-and-collections/themes)

 ![Nathan Calabrese](/assets/transparent-ad5be28fbcd25b7b08d2cebe1d957125437fb5407d75ee717965ad22c8808791.gif "Nathan Calabrese")
NC

Researched and written by [Nathan Calabrese](https://research.g2.com/insights/author/nathan-calabrese)

Updated October 3, 2024

Businesses use credit and collections software to ensure customers pay for the products and services delivered by the company. By recovering the amounts due on time, companies can rely on a consistent influx of money to finance their operations. This type of software is used by accounting teams to identify which invoices are overdue, match invoices and payments, reduce processing errors, and manage collection issues such as bad debt (amounts owed by customers that are unlikely to be paid). Accountants also use credit and collections software to manage customer credits to mitigate the risk of not getting paid. This type of software can also be used by collection agencies that recover outstanding payments on behalf of their customers.

Credit and collections software can be delivered as a standalone product or as part of a financial management suite. Standalone credit and collections tools need to integrate with [accounting software](https://www.g2.com/categories/accounting) and [ERP systems](https://www.g2.com/categories/erp-systems) or with related point solutions such as [AR automation software](https://www.g2.com/categories/ar-automation).

To qualify for inclusion in the Credit and Collections category, a product must:

- Allow users to define customer credit limits and adjust them based on payments history or type of customer
- Match invoice information such as the amount or the due date with payments 
- Identify upcoming payments due and notify customers by email, phone, or mail
- Manage overdue payments and apply penalties or overcharges for late payments
- Monitor payments history and identify customers that are more likely to pay late
- Analyze discrepancies between invoices and payments and determine what caused them

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