BillingTree Partners with Armada Labs' Debt Resolution Network to provide customer-centric remittance services

• New ability-to-pay model allows customers to effectively plan for resolving payment issues easily and efficiently

Phoenix, Ariz. – November 27, 2012 – BillingTree^_®, one of the nation’s leading on-demand payment processors, today announced that Armada Labs^_® has integrated BillingTree’s payment solutions into its Debt Resolution Network™ (www.debtresolution360.com). The new partnership includes the innovative UGotiate™ system, offering a cutting edge customer-centric debt resolution service with social network style counseling for debtors unable to pay in full. Using Debt Resolution Network and UGotiate with the integrated payment processing services of BillingTree as part of the debt collection and settlement processes will improve the likelihood of debtors clearing outstanding bills.

The combined partnership supplies clients using the new service an improved method to help past due account holders negotiate and resolve payment through an advanced portal in a customer-friendly manner. Debt Resolution Network provides a framework for customers to make repayments without requiring agent interaction. In cases where debtors are unable to repay in full or negotiate debt today; the UGotiate component adds a comprehensive suite of debt repayment planning tools designed to help the debtor strategize and find affordable ways to save the necessary funds, week by week, while keeping communication channel open between service provider or collection agency and debtor.

"BillingTree is excited to add Armada Labs as a key partner," said Liz Caracciolo, Vice President of Corporate Development at BillingTree. "Combining our payment technology with Debt Resolution Network's expertise in web psychology will provide a greatly enhanced experience for the customer, and will provide even more ways to ensure regular and affordable repayments for those needing assistance resolving overdue balances."

A webinar to demonstrate the Debt Resolution Network and UGotiate with the integrated payment processing services of BillingTree will be hosted free of charge on December 19 at 2:00 p.m. Eastern. To register visit https://mybillingtree.webex.com/mybillingtree/onstage/g.php?d=827962358&t=a

_{About Armada Labs
Armada Labs, LLC is the leading software development service provider with key expertise in financial sector software tools and applications. The company has over 7 years of experience in developing software for financial market of the United States and successful creation of payment and settlement systems. Armada Labs provides custom software development as well as turn-key software modules suitable for integration with other corporate systems. For more information visit www.debtresolution360.com.}

_{About BillingTree
The proven leader in on-demand payment processing, BillingTree empowers customers with competitive advantage through a simplification of the billing and receivables process. By delivering the most innovative technology while making it as easy and inexpensive as possible to accept payments, BillingTree has revolutionized the payments landscape. Our software-as-a-service (SaaS) model delivers industry-leading payment solutions, proven integration, and point-and-click simplicity. BillingTree’s focus on innovation has allowed us to help more than 1,600 customers eliminate manual processes and automate their payment cycles. BillingTree – Growth is our Business. For more information, visit www.mybillingtree.com or call 877.4.BILLTREE.}

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_{Contact:
Dave Yohe
Corporate Marketing
BillingTree
Tel: 602.443.5948
dave@mybillingtree.com}

_{Claire Grant
IBA, PR for BillingTree
Tel: 561.228.1940
cgrant@iba-international.com}

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