Consent before calling
A row without consent is skipped and marked. Uploading a list does not bypass this rule.
Every call recorded and transcribed
AI voice bot for payment reminders and soft collection
Personalised reminders from a list, the same tone on every call and a full record for audit. Your team handles disputes and promises to pay.
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Updated
- Consent and do-not-call
- Calling window by time zone
- The AI introduces itself
How does a debt collection voice bot work?
The bot calls customers from an uploaded list, greets them by name, states the amount and due date and asks them to press a key to confirm they received the notice. Every call is recorded, transcribed and checked against a scorecard. It never dials numbers without consent or on the do-not-call list, and it passes disputed cases to a person.
- 100%of calls scored by AIEvery recorded conversation is transcribed and checked against your scorecard; no sampling.
Reminder campaigns from your debtor list
The list is uploaded as a file: phone, name, amount, due date and any other columns become script variables. Numbers are checked before launch and bad rows are rejected with a reason. The campaign runs only in the set window and pauses itself when the minute budget runs out.
- A personalised message with amount and due date
- Confirmation of receipt by keypress
- Scheduled retries and voicemail detection
- Minute budget with automatic pause
Every conversation ready for review
The bot's and the customer's voices are recorded on separate channels, and each call is transcribed and scored against your checklist. Managers see script deviations, banned words and refusal reasons with a quote and a link to the exact second of the recording.
- Script compliance checklist with mandatory items
- Dictionary of banned words and phrases
- Refusal and objection reasons with quotes
- Audit log of user actions
What matters in collections
Do-not-call
Pressing “9” adds the number to the do-not-call list immediately and permanently. Only an admin can lift it, and the action is logged.
Permitted hours
The calling window and time zone are set per campaign. Outside the window the call is postponed.
Consistent tone
Every customer hears the same text; deviations show up in the scorecard.
Two-channel recording
Separate tracks for bot and customer make disputed calls easier to review.
Handoff to staff
If the customer disputes the amount or asks for a person, the bot hands over under your rules.
Collection and reminder scenarios
Reminder before the due date
Problem. Customers miss payments by forgetting, and manual calling takes all day.
What the AI does. The bot calls a few days ahead with a personalised reminder and asks for confirmation.
Outcome. Staff call only those who did not answer or asked to be contacted.
Early-stage arrears
Problem. Many customers need the same notice, in the same tone, quickly.
What the AI does. A campaign on the arrears list with retries in permitted hours and every call recorded.
Outcome. Every customer got the same notice and the outcome is visible per row.
Monitoring collection staff
Problem. Managers hear only a small share of calls and learn about violations from complaints.
What the AI does. Speech analytics scores every staff call against a checklist and spots banned words.
Outcome. Script violations show up in the report on the day of the call.
How to run a pilot
The pilot runs on part of the list so you can compare it with manual calling.
Prepare the list and script
List fields, reminder text, retry rules and handoff rules.
Check consent and do-not-call
Mark who has given consent and upload numbers on the do-not-call list.
Agree on calling hours
Window, time zone and pauses between attempts, agreed with your lawyer.
Launch on part of the list
The bot calls, you listen to recordings and refine the text.
Compare with manual calling
Look at connect rate, confirmations and handoffs to staff.
Connects to your telephony and CRM
- A1 VATS
- Asterisk · pilot
- FreeSWITCH
- SIP trunk
- Bitrix24
- amoCRM
- 1C · pilot
- Webhooks and n8n
- A1 VATS
- Calls, recordings and transcripts from your PBX.
- Asterisk
- Connects to your existing PBX over SIP without a number change. Ready-made config, validated in a pilot.
- FreeSWITCH
- Outbound campaigns and inbound calls.
- SIP trunk
- Runs on your number and your carrier.
- Bitrix24
- Call outcome and summary land in the record timeline.
- amoCRM
- Call results written to amoCRM.
- 1C
- A “Phone call” document in 1C. Pilot on a test database.
- Webhooks and n8n
- Call and chat events flow into your systems.
Debt collection FAQ
Is it legal to call debtors with a bot?
Requirements depend on the country and the type of debt. We do not give legal opinions: agree consent rules, calling hours and script text with your lawyer during the pilot. The console helps you follow them with consent tracking, do-not-call, calling windows and an audit log.
What hours does the bot call?
Only within the window set for the campaign, in the customer's time zone. The default is daytime hours, and you can change it in settings.
How does the customer confirm the payment date?
The bot states the amount and due date and asks the customer to press a key to confirm they received the notice. The result is saved on the call record and in the API.
Are calls recorded?
Yes. Every call is recorded on two channels, transcribed and scored. Telling the customer about the recording is the company's duty and is part of the script.
Can the bot pressure a debtor?
The bot says only the text you approved. Scorecards and the banned-word dictionary reveal deviations by human staff.
What if the customer disputes the debt?
The bot hands the call to a staff member under your rules or logs a callback request.
Can we monitor calls made by human collectors?
Yes. Speech analytics scores any recording from your PBX, not only bot conversations.
Start a pilot on your list
We will demo a payment reminder and outline the pilot steps.