Respectful Conversations That Recover More.
An AI voice agent that reaches more accounts and presents payment options while following your compliance rules on every call.
Debt Collection
Collections runs on volume and on rules with no room for error. Each collector can only dial so many accounts in a shift, and many of those attempts end in voicemail. The consumer who does pick up might be at work or already angry, and the collector has to verify the right party and get through the required disclosures, inside the calling window for that time zone, before any real conversation begins.
Late in a long shift, consistency slips: a disclosure gets shortened, or an attempt limit gets exceeded. Inbound callbacks are no easier. A consumer who finally returns a call waits on hold, reaches someone who has never seen the account, and gives up.
The agent makes outbound calls and takes inbound callbacks in a calm, even tone that does not change late in the shift. It verifies that it has reached the right party before mentioning any account, delivers your configured disclosures exactly as written, explains the balance, and presents payment arrangements inside the ranges you approved. When the consumer agrees, it hands off to your payment processing. When the consumer disputes the debt, asks that calls stop, or wants a person, the agent documents the request and either transfers live or schedules a callback. Every call is logged against the account with a recording and transcript.
Capabilities
What it handles
- Right-party verification before any mention of a balance or creditor
- Required disclosures delivered word for word on every call and callback
- Payment arrangement options kept within the ranges and terms you approve
- Secure handoff to payment processing once the consumer agrees to pay
- Inbound callbacks answered with the account history already loaded
- Dispute and cease-communication requests logged and escalated to your team
- Calling windows by time zone, attempt limits, and do-not-call lists enforced on every dial
Built around compliance
You set the rules and the agent cannot step outside them. Calling hours by time zone, frequency caps per account, the exact words of each disclosure, and the triggers that end or escalate a call are configured by your compliance team. Right-party verification here means the agent confirms it is speaking with the consumer, using the identifiers you choose, before it states who it is calling for or why. Every call is recorded and transcribed for audits and dispute resolution.
In practice
A typical call
The agent places an outbound call inside the permitted window. It asks for the account holder and confirms identity with the details your policy requires before saying anything about the debt. It then reads the required disclosure and states the balance before presenting the payment plan options you approved. The consumer picks a plan, and the agent transfers the call to your payment processing to take the payment. The account record now holds the recording, a transcript, and the agreed arrangement.
Outcomes
The outcome
More accounts get a live conversation each day. Compliance gaps shrink because the agent cannot forget a disclosure or lose patience. Consumers hear a steady, non-judgmental voice, which makes agreeing to a plan easier, and your collectors spend their time on complex negotiations and high-balance accounts. The dashboard shows call volume, how many calls ended in an arrangement, and why others were escalated.
Your next customer is calling right now.
Request a demo and see how a compliant, respectful agent can lift your recovery rates.