AI agents for collections and financial service
Your agent calls and messages past-due accounts, negotiates within the rules you set and records every payment promise. Respectfully, in business hours, without a single improvised figure.
What the agent does here
Collects by your rules
Late interest, fees, pay-in-full discount, maximum installments and minimum payment. You set them once and the agent always quotes inside that frame.
Records the promise
Exact amount and date are stored against the account, with follow-up. If the promise is broken, the agent picks the case back up without anyone having to remember.
Respects the contact window
Allowed hours, business days and maximum attempts. What regulation and your policy require is configured, not left to the model’s good will.
Escalates disputes
If the customer claims they already paid or disputes the debt, the agent does not argue: it collects the evidence, attaches it to the case and routes it to your team.
Morning, Carlos. I am reaching out about the July installment. Can we look at a date to bring it current?
I can pay next week, but not all of it.
That works. With a partial payment on Friday the 22nd it splits into two installments. Shall I lock that date in?
Go ahead.
The model does not do the math
Balances, interest, discounts and installment plans are computed by the collections engine with your parameters, and the agent only communicates the result. No amount that reaches a customer comes from a language model’s estimate.