Automate payment reminders, self-pay guidance, and compliant collections outreach. Achieve 45-50% call containment while maintaining strict FDCPA compliance.
Manual collections can't scale while compliance requirements increase risk and cost.
Agent errors trigger FDCPA violations, lawsuits, and fines
Manual calls lack consistent scripting. No automatic call time restrictions. Recording and audit gaps.
Can't scale collections without hiring expensive agents
Each agent handles 100-150 accounts daily max. High turnover requires constant hiring and training.
Different agents use different approaches, recovery rates vary wildly
No standardized scripts. Payment plan offers inconsistent. No A/B testing on messaging.
Can't call accounts across all time zones within legal hours
Limited agent hours mean West Coast accounts called too early, East Coast too late. Miss optimal contact windows.
Automated calls before due dates. Friendly reminders with payment options, avoid late fees.
Reduce late payments by 40%
Guide customers through payment portals. Explain options, answer questions, confirm payments.
45-50% self-serve resolution
Offer compliant payment plans. Discuss financial hardship, propose structured repayment.
Increase payment plan uptake 2x
Call customers who committed to pay. Remind of agreements, offer easy payment methods.
60% promise-to-pay fulfillment
Automatic FDCPA compliance. Call time restrictions, mini-Miranda, cease & desist handling.
Zero compliance violations
First-party collections for recently past-due accounts. Preserve customer relationships.
80% pre-charge-off recovery
$100 in free credits. FDCPA-compliant infrastructure included.