AI voice and chat agents built for receivables: they verify the right party, explain the debt, take payments at 2 AM, send dispute and validation links, and hand the hard calls to your collectors - in the consumer's language, on a recorded line, with every call coded and logged.
Press Initiate call - a consumer resolving a letter, start to finish.
Our AI chat agent is live on this site — open it and ask anything. Same agent, real answers.
Opens the chat widget in the corner.
Regulation F presumes no more than seven call attempts per account per week - so the industry moved to letters, texts, and self-service. The agencies winning under the new rules aren't dialing more. They're making it effortless to respond.
Outbound is rationed by rule. Every letter you mail is now your best contact strategy - if the phone number on it answers instantly, at any hour, in the consumer's language.
People deal with debt when the house is quiet - evenings, weekends, lunch breaks. If your office answers 9-to-5, the moment of willingness passes before a human picks up.
Debt is shame. Consumers disclose more, dispute honestly, and commit to payment more readily with a patient agent that never judges, never sighs, and never rushes them.
The number and link on your letters connect to an agent that runs your script - your disclosures, your verification rules, your escalation triggers - on every single contact.
The consumer calls the number or scans the QR on your letter. The agent picks up on the first ring - day, night, weekend - and greets them on a disclosed, recorded line.
Reference code by voice or keypad, read back digit by digit, name confirmed - then and only then the required disclosures and any account detail. Two failed attempts and it stops.
Pay by secure transfer to your payment system, or by a secure link emailed on the spot. Disputes, debt-validation requests, original-bill copies, and receipts - all self-served.
Every call ends with a summary, a reason code - payment, dispute, attorney, insurance, hardship - and a resolved flag, delivered to your system of record by webhook.
Your compliance team approves every word before a consumer ever hears it. The agent follows deterministic scripting - disclosures where you put them, verification before any account discussion, and hard escalation triggers it cannot talk its way around.
Dedicated lines per language - English, Spanish, and 25+ more on voice - with native scripts and native-quality voices, not run-through-a-translator English. Office-hours aware, with different flows when you're open and closed.
Consumers say the reference code or key it in - long codes, dashes, letters read back phonetically. Zip-code routing sends each caller to the right desk before a word is wasted.
Warm transfer into your existing secure payment system - even outside office hours - or a payment link emailed mid-call. The willingness to pay never waits for Monday.
Dispute links, debt-validation requests, original-bill copies, and payment receipts - sent by email on the call, logged against the account, no collector time spent.
Router agents, account agents, payment agents - each with one job, transferring callers between themselves and warm-transferring to your collectors with full context when it matters.
Every call auto-classified - payment, promise to pay, dispute, attorney, insurance, hardship, callback - with a resolution flag and summary, pushed to your CRM by webhook in real time.
At the end of a call, consenting consumers hand off to an automated satisfaction survey - after AI calls and after live-rep calls, on separate lines, so you can benchmark both. Hospitals and municipalities award contracts to agencies that protect their reputation; you'll have the numbers, per call, not anecdotes.
A New York receivables firm with 25+ years in healthcare and municipal collections runs its consumer lines on Verlingo - four numbers, English and Spanish, standard and government-client flows - answering every letter-driven call.
No rip-and-replace. The agent sits in front of what you have - your payment IVR, your collectors, your survey line, your system of record - and its tools call your APIs live on every call: account lookup, link delivery, receipt requests.
Account lookup, payment links, dispute links, receipts - each action is a signed call to your endpoints, so your data never leaves your control.
Serve your agent team from your own server via a signed webhook - change scripts, numbers, and hours in your codebase, on your deploy cycle.
Port or point your existing consumer-facing numbers. Bring your own telephony on enterprise plans - Twilio, Telnyx, or SIP.
Yes - verbatim, where your compliance program places them. Disclosures are scripted text the agent must deliver after right-party verification, not something it paraphrases. Your team reviews and approves every script before it goes live, and the transcript proves delivery on every call.
The agent recognizes dispute language even when the consumer never says "dispute" - "wrong person," "this bill is incorrect," "I already paid this." It offers your dispute channels: your online form, an emailed dispute link, or a warm transfer to your team. Every dispute call is reason-coded so nothing slips past your required handling windows.
Hard triggers, not judgment calls: attorney or legal representation, insurance claims, hardship, settlement and payment-plan requests, hostility - each one immediately warm-transfers to a live representative. The AI never negotiates terms it isn't authorized to negotiate.
No. The AI conversation happens on a recorded, disclosed line - and the moment the call transfers to your secure payment system, recording stops. Card details are collected inside your existing PCI environment, never in a transcript.
It requires the account reference code from your letter - spoken or keyed in - reads it back digit by digit, then confirms the name on the account before disclosing anything. Verification attempts are capped; after two failures it offers validation channels and ends the call. No verification, no account talk.
No - it removes the calls that waste them. Balance questions, payment links, receipts, validation requests, and after-hours traffic are handled end to end; verified consumers who need a human arrive as warm transfers with full context. Your collectors spend their day on negotiations, not lookups.
English and Spanish as first-class citizens - dedicated numbers per language, natively written scripts, native-quality voices, and language-appropriate disclosures. Beyond those, voice agents speak 25+ languages, and web chat covers 100+. Call summaries are written in English for your reviewers regardless of call language.
Yes - consenting callers hand off to a short automated satisfaction survey at the end of the call: four 1-to-5 scores, one open question, and a silent sentiment read, logged straight to your database. Separate survey lines for AI calls and live-rep calls let you benchmark the two - and give your creditor clients hard evidence of how consumers are treated in your name.
Weeks, not quarters. We start from proven collections flows, adapt your scripts and disclosures with your compliance team, connect your account-lookup and payment endpoints, and run a pilot on one line with success metrics you define - before you commit the whole floor.
Collections deployments are scoped and priced per engagement - implementation, platform, and usage - because the value is measured in recovery lift and freed collector hours, not minutes. The pilot conversation is where we put real numbers on your call volumes.
Bring your call volumes and one line you'd pilot. We'll bring a working collections agent you can call before the meeting ends.
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