AI-Powered Debt Collection That Preserves Relationships
Reach more debtors with professional, designed-for-compliance AI outreach. Automated payment reminders, payment plan negotiations, and secure payment processing — without the stigma of traditional collections.
What is debt collection?
Debt collection is the practice of recovering money on accounts that are seriously past due, a regulated activity governed in the U.S. by the FDCPA, TCPA, and state-specific rules on call timing, frequency, and disclosures. AI debt collection automates the high-volume outreach: the agent contacts debtors at permitted times with a calm, consistent, on-script tone, presents payment options, and negotiates plans within your pre-approved terms. Built-in guardrails for call windows, frequency caps, and do-not-call lists make it easier to keep outreach inside the rules.
Recovering current invoices rather than delinquent debt? Use payment collection instead. Payment Collection solution
Up to 40%
Higher recovery
More
Contacts made
Designed for
TCPA & FDCPA
Lower
Cost to collect
Recovery and cost figures are illustrative ranges based on early pilots; results vary by portfolio age and configuration.
How It Works
Three simple steps to automate your debt collection.
Outreach initiated
The AI agent contacts the debtor via phone call or SMS at optimal times determined by historical answer-rate data. The tone is professional and empathetic — designed to start a productive conversation, not provoke defensiveness.
Payment discussed
The agent confirms the outstanding balance, explains any applicable fees or deadlines, and presents available payment options. If the debtor cannot pay in full, the agent negotiates a payment plan based on your pre-approved terms.
Payment captured or plan set
Payments are processed securely via Stripe with full PCI-DSS compliance. For payment plans, the agent sets up recurring charges, sends confirmation, and schedules automated reminders for upcoming installments.
Why Choose CallSphere for Debt Collection
Higher recovery rates
AI agents can make far more contact attempts than human collectors and reach debtors at statistically better times. More contacts mean more conversations and more payments recovered.
Consistent professional tone
Every interaction follows your approved script with a calm, empathetic tone. There's no risk of an agent losing their temper or making statements that create legal liability.
Designed for compliance
The AI agent is built to help you respect TCPA, FDCPA, and state-specific rules. Call times, frequency limits, required disclosures, and do-not-call lists are enforced programmatically based on the rules you configure.
Payment plan flexibility
Offer debtors flexible payment plans within your pre-set parameters. The agent can negotiate installment amounts and schedules, improving willingness to pay and reducing write-offs.
Reduced labor costs
Automate the highest-volume, most repetitive part of collections — initial outreach and payment capture. Your human collectors can focus on complex negotiations and high-value accounts.
Hear a compliant collections call
See the agent open respectfully, present options, and negotiate a payment plan.
Industries Using This Solution
Debt Collection is trusted by businesses across these industries.
Everything You Need
A complete feature set for enterprise-grade debt collection.
Frequently Asked Questions
Common questions about debt collection with CallSphere.
Is AI debt collection TCPA and FDCPA compliant?
CallSphere is designed to support compliance with the TCPA, FDCPA, and state rules — enforcing call windows, frequency caps, required disclosures, and do-not-call lists based on your configuration. It is not legal advice; you remain responsible for compliance with the laws that apply to you.
How is debt collection different from payment collection?
Payment collection handles current and recently-due invoices in your normal billing flow. Debt collection works seriously delinquent accounts under added FDCPA/TCPA obligations. If your balances aren't yet delinquent, the payment collection solution is the better fit.
Will the outreach damage customer relationships?
Every interaction follows your approved script with a calm, empathetic tone, so there's no risk of an agent losing patience or making statements that create liability — preserving the relationship while still recovering balances.
Recover more while spending less
See how CallSphere's AI collection agent increases recovery rates while reducing costs and supporting compliance.