Debt collection
The AI agent that collects more and damages less.
More payment arrangements, lower complaints, full audit trails - in every language, across every channel, running in production from day one.
Operations
What AI agents handle for debt collection organisations
Payment arrangements, disputes, proactive outreach, and portfolio servicing - handled in the debtor's language, within your regulatory guardrails.
Payment arrangement
The debtor reaches out, or the AI agent reaches them. Either way, the conversation ends with a plan confirmed and a payment scheduled.
Every offer the agent makes follows your ruleset exactly. Decision Engine executes your policy - the LLM handles the conversation. They never overlap.
Hi Marco, you have an outstanding balance of €2,840 with Novo Credit. I can help you set up a plan that works for you. Would you like to explore your options?
I can't pay the full amount right now. Things have been difficult.
I understand. I can offer 12 months at €237/month, 18 months at €158/month - most chosen - or 24 months at €118/month. All interest-free.
The 18-month one works.
Plan PP-33891 confirmed. First payment of €158 on 1 July. Written confirmation and direct debit mandate sent to your email.
Business case
AI agents that work for your numbers.
Collect more.
AI agents reach every account in your portfolio, on the right channel, at the right moment. Payment plans are offered, negotiated, and confirmed without human involvement - at a scale your team couldn't match.
Complain less.
Every conversation follows your rules. Vulnerability signals trigger immediate escalation. Opt-outs are respected. Contact rules by jurisdiction are applied automatically. The complaints that come from inconsistency stop coming.
Audit confidently.
Traces logs every condition evaluated, every offer made, every escalation triggered. When the regulator asks what happened in conversation PP-33891, the answer is already there.
Decision Engine
Why debt collection leaders trust the platform in production.
The language model talks to your debtor. A separate engine decides what happens. Most platforms blur the two. We don't.
Other platforms
Most platforms blur the language model and your collection rules. When the model drifts, so do the offers - and the regulatory exposure.
Zowie
A separate engine runs your rules. The language model talks to your debtor. Every offer, every limit, every escalation is determined by your policies - not by what the model decides that day.
8 weeks
From contract to production, across four markets and multiple regulatory frameworks.
60%+
Of inbound contacts resolved without
a human agent.
3×
More payment arrangements closed outside business hours.
Compliance
Built for regulated collections.
SOC 2 certified, GDPR compliant, DORA ready, aligned with the EU AI Act and FCA guidelines. Every conversation is logged, vulnerability detection is built in, and every decision is traceable to the rule that triggered it.
Ready to see it working for your portfolio?
Watch our AI Agent on a live outbound call to your debtor - and see it close a payment arrangement.