Debt Collection Agencies
AI Voice Agents for Debt Collection Agencies
Make more right-party contacts, more politely, more often — with built-in FDCPA and Reg F guardrails on every call.
The agent's workflow
- 1
Outbound dialing with compliant frequency caps
- 2
Mini-Miranda and identity verification
- 3
Payment reminder with portal link by SMS
- 4
Hardship intake and routing to specialist
- 5
Negotiation flows within pre-approved settlement bands
- 6
Syncs to Latitude, DAKCS, Collect!, Quantrax
- 7
Full call recording and consent capture
Common problems we hear from debt collection agencies
- •Live agents can only run so many dials per hour
- •Compliance risk on every untrained interaction
- •Right-party contact rates stuck below 5%
- •Hardship calls need empathy, not a script reader
- •After-hours payment intent goes unanswered
Sample call script
AgentThis is a call from [Agency], a debt collector. May I please speak with Pat Smith?
CallerSpeaking.
AgentPat, this call is an attempt to collect a debt and any information will be used for that purpose. I'm reaching out about your account ending 4421 — would you like to discuss payment options today?
CallerI can't pay it all.
AgentUnderstood. I can set up a payment plan or text you our hardship portal. Which would you prefer?
What's included
CRM integration & data sync
Missed call recovery in <60s
Outbound follow-up cadences
Calendar booking + SMS confirmations
Compliance-aligned scripts & disclosures
Weekly ROI & call quality reporting