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Example engagement · Debt Collection Agencies

Compliant AI Voice Agent for a Collection Agency

A voice agent that verifies identity, delivers required disclosures, offers approved payment plans and takes payments, inside hard-coded contact limits.

Scroll
3x
Accounts contacted per month
+17%
Promises to pay kept
0
Contact-limit violations
Profile — Collection agency, about 60,000 accounts placed per quarterTimeline — 9 weeks including compliance reviewTeam — 3 engineers + 1 compliance officer
Representative engagement: a composite of the AI work we deliver in this industry, not a named client's project. Figures are the outcomes this kind of build typically delivers, and they are the targets we agree and measure in a pilot before scaling.
The problem

Agents could only reach a fraction of accounts, call capacity capped recovery, and every manual call carried compliance risk.

What we build

The approach.

  • 01Encoded FDCPA and Reg F rules in code: call frequency, time windows and required disclosures.
  • 02Verified right party before discussing any debt.
  • 03Offered only plans within the client's approved settlement rules.
  • 04Recorded and transcribed every call, with automated compliance checks on each one.
Where the AI works

A voice agent conducts the conversation, negotiates within approved plans and escalates disputes or hardship cases to a person.

Claude APITwilio VoicePythonCollection platform APIPayment gateway
Proof, not promises

How we measure it.

Contact volume and kept promises come from the collection platform, compared with matched account placements. Violations are checked on 100% of calls.

Questions

Before you ask.

Beyond Technologies enforces call limits, time windows and disclosures in code, not in the prompt, and checks every call automatically.

The agent records the dispute, stops collection activity as required and routes the account to a person.

Next step

Want this measured on your own data? Start with a pilot.

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AI for Debt Collection Agencies →AI Agents →Security & Compliance →Next example: AI Dispute and Correspondence Handling for Collections →Named client case studies →

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