# Page 4 | Best Debt Collection Software 2026 | Capterra > Page 4 - Find the top Debt Collection software of 2026 on Capterra. Based on millions of verified user reviews - compare and filter for whats important to you to find the best tools for your needs. Source: https://www.capterra.com/debt-collection-software --- # Best Debt Collection Software - Page 4 [## Bisnes](https://www.capterra.com/p/239754/bisnes/) [5.0 (1)](https://www.capterra.com/p/239754/bisnes/#reviews) Billing and management system to organize your business. [Learn more about Bisnes](https://www.capterra.com/p/239754/bisnes/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Veita](https://www.capterra.com/p/231782/Veita/) [5.0 (1)](https://www.capterra.com/p/231782/Veita/#reviews) VEITA removes barriers between Sales and Accounting. Finally, both can effectively and efficiently handle dunning and invoice disputes. [Learn more about Veita](https://www.capterra.com/p/231782/Veita/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Titan Treasury](https://www.capterra.com/p/240400/Titan-Treasury/) [4.0 (1)](https://www.capterra.com/p/240400/Titan-Treasury/#reviews) Support your company in mastering its financial results, steering its financial strategy, and managing its financing needs (covenants,  [Learn more about Titan Treasury](https://www.capterra.com/p/240400/Titan-Treasury/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## CreditManager](https://www.capterra.com/p/250706/CreditManager/) [4.0 (1)](https://www.capterra.com/p/250706/CreditManager/#reviews) CreditManager is a cloud-based solution that automates your credit management process efficiently, effectively and securely. [Learn more about CreditManager](https://www.capterra.com/p/250706/CreditManager/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## receeve](https://www.capterra.com/p/247952/receeve/) [4.0 (1)](https://www.capterra.com/p/247952/receeve/#reviews) receeve is an all-in-one platform designed to help businesses streamline debt collection and recovery operations. [Learn more about receeve](https://www.capterra.com/p/247952/receeve/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Vocalcom Salesforce Edition](https://www.capterra.com/p/240475/Vocalcom-Salesforce-Edition/) [4.0 (1)](https://www.capterra.com/p/240475/Vocalcom-Salesforce-Edition/#reviews) Manage your contact center and your omnichannel customer interactions in Salesforce & offer a seamless & personalized customer service [Learn more about Vocalcom Salesforce Edition](https://www.capterra.com/p/240475/Vocalcom-Salesforce-Edition/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Apxium Collect](https://www.capterra.com/p/209416/Apxium-Collect/) [4.0 (1)](https://www.capterra.com/p/209416/Apxium-Collect/#reviews) Built-in auto-payment scheduling arrangements and funding solutions delivered in an integrated automated debt collection platform. [Learn more about Apxium Collect](https://www.capterra.com/p/209416/Apxium-Collect/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## WinDebt XL](https://www.capterra.com/p/79308/WinDebt-XL/) [4.0 (1)](https://www.capterra.com/p/79308/WinDebt-XL/#reviews) Receivables management solution delivering outstanding performance, reliability and scalability. [Learn more about WinDebt XL](https://www.capterra.com/p/79308/WinDebt-XL/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## CyberCollect](https://www.capterra.com/p/65079/CyberCollect/) [4.0 (1)](https://www.capterra.com/p/65079/CyberCollect/#reviews) Dynamic collections management application with over thirty years of experience in the industry. [Learn more about CyberCollect](https://www.capterra.com/p/65079/CyberCollect/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Predator](https://www.capterra.com/p/79310/Predator/) [1.0 (1)](https://www.capterra.com/p/79310/Predator/#reviews) Predator CMS is a multifunctional system for invoice management and debt collection. [Learn more about Predator](https://www.capterra.com/p/79310/Predator/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Paymefy](https://www.capterra.com/p/10026483/Paymefy/) 0.0 (0) Cloud-based debt collection tool that uses artificial intelligence to optimize the collection process and automate payment reminders. [Learn more about Paymefy](https://www.capterra.com/p/10026483/Paymefy/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Microsip](https://www.capterra.com/p/200937/Microsip/) 0.0 (0) Microsip is an ERP, developed to control the administrative and operational processes of Mexican SMEs. [Learn more about Microsip](https://www.capterra.com/p/200937/Microsip/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Krew](https://www.capterra.com/p/10031472/Krew/) 0.0 (0) Krew is AI-powered accounts receivable software that automates collections processes and reduces operational costs. [Learn more about Krew](https://www.capterra.com/p/10031472/Krew/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Leadsconnection](https://www.capterra.com/p/130023/Leadsconnection/) 0.0 (0) Web-Based Software Solution servicing the Debt Settlement, Credit Repair, Student Loan Consolidation Industries [Learn more about Leadsconnection](https://www.capterra.com/p/130023/Leadsconnection/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Relanco](https://www.capterra.com/p/10041286/Relanco/) 0.0 (0) Payment reminder tool that helps businesses send automated SMS and email reminders to customers in English and French. [Learn more about Relanco](https://www.capterra.com/p/10041286/Relanco/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Foundry Bean Global Work System](https://www.capterra.com/p/268136/Foundry-Bean-Global-Work-System/) 0.0 (0) Foundry Bean Global Work System helps businesses to automate Accounting, Supply Chain, Subscription, Procurement, Billing, HR and CRM. [Learn more about Foundry Bean Global Work System](https://www.capterra.com/p/268136/Foundry-Bean-Global-Work-System/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## QuickLegal](https://www.capterra.com/p/10037084/QuickLegal/) 0.0 (0) QuickLegal is debt collection software that uses AI and legal tools to help businesses recover debts and manage unpaid invoices [Learn more about QuickLegal](https://www.capterra.com/p/10037084/QuickLegal/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Thor](https://www.capterra.com/p/10031277/Thor/) 0.0 (0) Thor is software for debt collection that monitors risk, automates collections, prevents bad debt, and helps recover cash faster. [Learn more about Thor](https://www.capterra.com/p/10031277/Thor/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Intelligent Payment Portal](https://www.capterra.com/p/10022645/Intelligent-Payment-Portal/) 0.0 (0) Intelligent Portal is a self-service payment platform that lets consumers quickly self-resolve their account balances. [Learn more about Intelligent Payment Portal](https://www.capterra.com/p/10022645/Intelligent-Payment-Portal/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Loxon Collection](https://www.capterra.com/p/142085/Loxon-Collection/) 0.0 (0) Loxon's next-generation Collection System can maximise recovery rates with enhanced customer experience, with unparalleled simplicity.  [Learn more about Loxon Collection](https://www.capterra.com/p/142085/Loxon-Collection/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## FinView](https://www.capterra.com/p/10025097/FinView/) 0.0 (0) FinView is a specialised platform designed specifically for debt collection agencies. [Learn more about FinView](https://www.capterra.com/p/10025097/FinView/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## CAM Financial Services](https://www.capterra.com/p/196357/CAM-Financial-Services/) 0.0 (0) Our product enables the automation of (credit) decision-making processes and scalability of businesses. [Learn more about CAM Financial Services](https://www.capterra.com/p/196357/CAM-Financial-Services/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## FinFloh](https://www.capterra.com/p/10017379/FinFloh/) 0.0 (0) Automated debt collection with AI that escalates follow-ups, tracks promises-to-pay, and improves overdue recovery rates. [Learn more about FinFloh](https://www.capterra.com/p/10017379/FinFloh/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Eloficash](https://www.capterra.com/p/10003244/ELOFICASH/) 0.0 (0) Eloficash is a pre-configured solution, ready to be used, with the best practices of the trade, easily adaptable to your needs [Learn more about Eloficash](https://www.capterra.com/p/10003244/ELOFICASH/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Cobrix](https://www.capterra.com/p/10036087/Cobrix/) 0.0 (0) Cobrix is payment and membership automation software for Latin American businesses that reduces delinquency and recovers revenue. [Learn more about Cobrix](https://www.capterra.com/p/10036087/Cobrix/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Debtrak](https://www.capterra.com/p/76130/Debtrak/) 0.0 (0) Debt Collection Software for agencies, corporations and institutions. [Learn more about Debtrak](https://www.capterra.com/p/76130/Debtrak/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## InitusDunning for NetSuite](https://www.capterra.com/p/10042659/InitusDunning-for-NetSuite/) 0.0 (0) InitusDunning for NetSuite is collections automation software that streamlines accounts receivable workflows within NetSuite.  [Learn more about InitusDunning for NetSuite](https://www.capterra.com/p/10042659/InitusDunning-for-NetSuite/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Cash & Credit](https://www.capterra.com/p/10011318/Cash-Credit/) 0.0 (0) Cash & Credit is a debt collection and credit management software package that improves the performance of 3 processes in the OTC. [Learn more about Cash & Credit](https://www.capterra.com/p/10011318/Cash-Credit/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Lendisoft LMS](https://www.capterra.com/p/246503/Lendisoft-Servicing/) 0.0 (0) The leading fully integrated, enterprise-level, omnichannel, lending management & engagement platform. [Learn more about Lendisoft LMS](https://www.capterra.com/p/246503/Lendisoft-Servicing/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## VSoft Collection](https://www.capterra.com/p/240754/VSoft-Collection/) 0.0 (0) VSoft Collection is a debt collection solution that utilizes automation and a built-in CRM to monitor and manage all types of debt. [Learn more about VSoft Collection](https://www.capterra.com/p/240754/VSoft-Collection/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Clearnox](https://www.capterra.com/p/196592/Clearnox/) 0.0 (0) Invoicing is great but collecting is even better. Clearnox stands for hassle-free collection of invoices. [Learn more about Clearnox](https://www.capterra.com/p/196592/Clearnox/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## ATILLA](https://www.capterra.com/p/75697/ATILLA/) 0.0 (0) Compiforce produces a range of software for Debt Collectors, Bailiffs, Lawyers, and Enquiry Agents. [Learn more about ATILLA](https://www.capterra.com/p/75697/ATILLA/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## TrueAccord](https://www.capterra.com/p/134285/TrueAccord/) 0.0 (0) Interactive portal with auto reminders that helps creditors and debtors track the remittance process, submit payments, and communicate. [Learn more about TrueAccord](https://www.capterra.com/p/134285/TrueAccord/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## D2r Collect](https://www.capterra.com/p/127132/D2r-Collect/) 0.0 (0) Cloud-based collector system solution for debt recovery to automate administration tasks and speed up debt collection process. [Learn more about D2r Collect](https://www.capterra.com/p/127132/D2r-Collect/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Fiber](https://www.capterra.com/p/10029900/Fiber/) 0.0 (0) Fiber is a cloud-based debt collection tool that helps agencies streamline recoveries via payment collection and automated workflows. [Learn more about Fiber](https://www.capterra.com/p/10029900/Fiber/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Alevate Bill Pay](https://www.capterra.com/p/10013943/Alevate-Bill-Pay/) 0.0 (0) Optimize every customer interaction to quickly collect bills, invoices, reminders. Easy integration, messaging, and online payments  [Learn more about Alevate Bill Pay](https://www.capterra.com/p/10013943/Alevate-Bill-Pay/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Bectran](https://www.capterra.com/p/124388/Bectran/) 0.0 (0) Bectran is the all-in-one credit, account receivables and collections SaaS platform for B2B finance departments.  [Learn more about Bectran](https://www.capterra.com/p/124388/Bectran/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Webio](https://www.capterra.com/p/267746/Webio/) 0.0 (0) Webio provides conversational AI for customer engagement, automated debt collection and payments across multiple digital channels. [Learn more about Webio](https://www.capterra.com/p/267746/Webio/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Flexys](https://www.capterra.com/p/234411/Flexys/) 0.0 (0) Scalable end-to-end collections software. Real-time insights. Swap manual work for happier customers & faster debt resolution. [Learn more about Flexys](https://www.capterra.com/p/234411/Flexys/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Hoopiz Credit Management](https://www.capterra.com/p/239948/Hoopiz/) 0.0 (0) SaaS Software Risk and Cash collection : Collect faster 📊 Save time and gain visibility. Improve your cash flow. Decrease the DSO. [Learn more about Hoopiz Credit Management](https://www.capterra.com/p/239948/Hoopiz/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Corrivo](https://www.capterra.com/p/183736/Corrivo/) 0.0 (0) Order to cash software for e-Invoicing, collections and dispute management with branded customer portals for invoices and attachments [Learn more about Corrivo](https://www.capterra.com/p/183736/Corrivo/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## EXL PayMentor](https://www.capterra.com/p/216439/EXL-PayMentor/) 0.0 (0) An AI-powered collections and receivables management solution that creates a unified and personalized collection journey for debtors. [Learn more about EXL PayMentor](https://www.capterra.com/p/216439/EXL-PayMentor/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## CollectOnline](https://www.capterra.com/p/231978/CollectOnline/) 0.0 (0) We enable professional debt collection agencies, collection lawyers and bailiffs to create an efficient automated collection process. [Learn more about CollectOnline](https://www.capterra.com/p/231978/CollectOnline/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## CollectLean](https://www.capterra.com/p/10034114/CollectLean/) 0.0 (0) Cloud-based software that assists finance teams with debt collection workflows automation and DSO and cash flow optimization. [Learn more about CollectLean](https://www.capterra.com/p/10034114/CollectLean/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Billabex](https://www.capterra.com/p/10014510/Billabex/) 0.0 (0) SaaS-based debt collection solution that helps businesses collect overdue invoices via artificial intelligence (AI) technology. [Learn more about Billabex](https://www.capterra.com/p/10014510/Billabex/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Nova](https://www.capterra.com/p/61777/Nova/) 0.0 (0) Comprehensive administration system designed to enable efficient collection from reminder to fully paid. [Learn more about Nova](https://www.capterra.com/p/61777/Nova/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## FinanceOps](https://www.capterra.com/p/10029802/FinanceOps/) 0.0 (0) FinanceOps is an automated collections management software that utilizes AI technology to streamline accounts receivable processes. [Learn more about FinanceOps](https://www.capterra.com/p/10029802/FinanceOps/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Vendorplace](https://www.capterra.com/p/235133/Vendorplace/) 0.0 (0) The only platform you need to pay suppliers and charge customers. We have the lowest commission and tax deductible [Learn more about Vendorplace](https://www.capterra.com/p/235133/Vendorplace/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## Debtor Management](https://www.capterra.com/p/10020868/Debtor-Management/) 0.0 (0) Debtor Management is an easy-to-use tool that helps small and mid size businesses get paid and spend less time chasing late-payers. [Learn more about Debtor Management](https://www.capterra.com/p/10020868/Debtor-Management/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management [## CollBox](https://www.capterra.com/p/157386/CollBox/) 0.0 (0) CollBox helps SMBs get paid for overdue invoices. For only $99 / mo. you get a dedicated AR professional working on your behalf. [Learn more about CollBox](https://www.capterra.com/p/157386/CollBox/) Debt Collection features reviewers most value Automated Notices Client Management Commission Management Compliance Management Contact Management Electronic Payments Multiple User Accounts Real-Time Reporting Workflow Management Page 4 of 5 ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Filter (182) Products: Sort By: Sponsored * * * Plan Type Free Trial Popular 85% of professionals opt for a 30-day trial before the software purchase Other subsciption plans: Free Version Monthly Subscription Annual Subscription One-Time License Key Features All key features Popular We have selected the most important and critical features as defined by Capterra user reviews AI Copilot Automated Notices Callback Scheduling Client Management Collection Agencies Commission Management Compliance Management Contact Management Credit Reporting Electronic Payments Generative AI In-House Collections Multi-Channel Communication Multiple User Accounts Payment Plans Real-Time Reporting Transaction Management Workflow Management Deployment Cloud, SaaS, Web-Based Desktop Mac Desktop Windows Desktop Linux On-Premise Windows On-Premise Linux Desktop Chromebook Mobile Android Mobile iPhone Mobile iPad Related Software Category: [Billing and Invoicing Software](https://www.capterra.com/billing-and-invoicing-software/)[Revenue Management Software](https://www.capterra.com/revenue-management-software/)[Subscription Management Software](https://www.capterra.com/subscription-management-software/)[Recurring Billing Software](https://www.capterra.com/recurring-billing-software/)[Utility Billing Software](https://www.capterra.com/utility-billing-software/) I'm looking for Debt Collection Software that is: [Free](https://www.capterra.com/debt-collection-software/s/free/)[For Small Businesses](https://www.capterra.com/debt-collection-software/s/small-businesses/)