Everything You Need to
Automate Debt Collection

Manage multiple distinct collection companies from a single account with multi-tenant architecture

Toggle between different collection agencies instantly with no data cross-contamination

Unique logos, colors, and messaging per company for professional separation

Complete mission control for business hours, communications, phone numbers, and escalation settings

Set exact calling hours and timezone to guarantee legal compliance automatically

Drag-and-drop CSV upload with instant validation, duplicate detection, and automatic data cleansing

Automatically categorizes debtors into 5 age buckets (1-30, 31-60, 61-90, 91-120, 121+ days)

Different AI approaches for each debt age - from friendly reminders to firm negotiations

Full control over call frequency, retry attempts, and non-contactable thresholds

Handle hundreds or thousands of debtors simultaneously with automated validation

Design unique AI personas for each age bucket with complete control over voice, tone, and messaging

Powered by ElevenLabs, Deepgram, and Azure with male and female voice options

Friendly, Professional, Firm, Compassionate, or Stern personas based on debt severity

AI reviews complete call history before every call - no repeated questions, natural follow-ups

Full control over agent dialogue with merge tags for personalization (debtor name, amounts, etc.)

Automatically detects voicemail and leaves personalized messages with callback numbers

AI understands callback requests like 'call me next Tuesday' and schedules automatically

System runs continuously but only places calls during legal hours based on your settings

AGENCY (100) > PRO (75) > BASE (50) > FREE_TRIAL (25) tier-based processing

Multiple attempts throughout the same day with configurable intervals (e.g., every 3 hours)

Set days between call cycles with automatic stops after contact or arrangement

Stops calling after successful contact, payment arrangement, or compliance triggers

AI schedules exact follow-up dates based on natural language requests

AI negotiates and secures payment arrangements during conversations automatically

Real-time alerts sent to your team the second an arrangement is made

Captures debtor info, agreed amount, due date, sentiment, and call notes

Full lifecycle management: PENDING → PAID → OVERDUE → CANCELLED

Secure FastMCP V2 server with transaction safety and automatic database logging

Create multiple templates per age bucket with automatic rotation to prevent message fatigue

HTML email templates with custom designs, subject lines, and merge tag personalization

Inbound replies automatically forwarded to your team with complete conversation logging

Automatically cycles through templates with each follow-up for better engagement

Automatic STOP request processing and opt-out management for SMS campaigns

Personalize every message with debtor name, amounts, payment URLs, and company info

Search by area code, filter by toll-free or local, and buy directly through Twilio integration

Number purchased, SMS webhook configured, Vapi imported, and ready to use instantly

Automatically forward incoming calls to your collections team with configurable messages

View usage statistics, release and replace numbers, assign to specific campaigns

AI detects validation requests, disputes, and do-not-call requests with automatic cessation

Account flagged and all collection stops automatically when validation requested

AI recognizes dispute claims, logs information, and halts communication for legal review

Phone numbers and emails encrypted at rest using industry-standard algorithms

NextAuth.js v5 with Admin/User roles and company-level data isolation

Every call recorded, transcribed, and logged with status changes and user actions

Upload PDF, DOCX, DOC, TXT, HTML files up to 10MB with drag-and-drop interface

Text extraction, markdown conversion, and metadata generation for all documents

Documents automatically included in AI prompts so agents reference company policies

MinIO object storage with company-specific folders and complete version history

Live statistics showing calls made, arrangements secured, amounts collected, and success rates

Professional HTML emails with previous day activity, sent every morning to your team

Complete history with duration, outcome, cost, transcript, audio recording, and AI-generated scores

AI extracts payment dates, amounts, sentiment, follow-up needs, and compliance triggers

Comprehensive view with contact info, debt breakdown, call timeline, and communication log

Track debtors through complete lifecycle from PENDING to PAID with real-time updates

AI transfers complex cases to human agents with context passed seamlessly

Outcome-based retry decisions (retry no-answers, stop on disputes or arrangements)

Complete status management through 10+ states from first contact to payment

Detailed tracking: ANSWERED, VOICEMAIL, BUSY, DISCONNECTED, ARRANGEMENT_MADE, etc.

Vapi and Twilio webhooks for end-of-call processing and inbound SMS handling

Full API for company, campaign, debtor, and communication management

Configurable concurrent call limits with queue-based, non-blocking architecture

Indexed fields, pagination support, and efficient joins for fast queries

1-second delays for SMS and email to maintain deliverability and prevent blocks

Containerized application with PostgreSQL, MinIO, Redis, and NGINX for SSL