AI-Powered Debt Collection That Preserves Relationships
Reach more debtors with professional, compliant AI outreach. Automated payment reminders, payment plan negotiations, and secure payment processing — without the stigma of traditional collections.
40%
Higher recovery
3x
More contacts made
100%
TCPA compliant
60%
Cost reduction
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 make three times more contact attempts than human collectors and reach debtors at statistically optimal 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.
Compliance-ready communications
The AI agent adheres to TCPA, FDCPA, and state-specific regulations automatically. Call times, frequency limits, required disclosures, and do-not-call lists are all enforced programmatically.
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.
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.
Recover more while spending less
See how CallSphere's AI collection agent increases recovery rates while reducing costs and maintaining compliance.