AI debt collection — frequently asked questions

The AI voice agent calls debtors on your list, identifies the right person, confirms the balance, and negotiates a payment or payment plan within the rules your compliance team sets. Every call is recorded, transcribed, and logged. Live humans handle disputes, hardship, and anything the AI is not allowed to resolve.

Yes, when configured correctly. The agent respects call-time windows, caller ID requirements, cease-and-desist requests, and mini-Miranda disclosures. Every conversation is auditable, which is actually easier to prove compliant than a roomful of human agents.

The platform supports EU data residency, consent logging, right-to-erasure workflows, and the documentation debt-collection licences require under national regulators. Lawful-basis records and processing purpose are attached to every call record.

Yes, inside the bounds you set. You configure maximum discounts, minimum instalments, hardship tiers, and the agent negotiates within those rules. Anything outside the rails escalates to a human agent on the same call.

Disputes always escalate. The AI records the dispute, sends it to your case management system, and the account is flagged for human review according to your dispute workflow. The AI does not argue disputed debts.

No. The platform integrates with your DNC, litigious-debtor, bankruptcy, and cease-and-desist lists and skips any number on those lists. These checks run before every single dial.

In pilots with EU and US agencies, AI voice agents match human recovery rates on early-stage delinquency (30-90 days) and free humans to work mid-stage and complex accounts where negotiation skill matters more. Total cost per recovered dollar drops sharply.

Yes. Call the public demo line and play the debtor — the agent will attempt a recovery conversation the way it would with a real account. We will share the number during a discovery call.