Powerful AI Phone Agent for Debt Collection

5.0
ON G2
Stars
Automate collections, improve recovery rates, and streamline account management with Retell AI’s intelligent voice agents.
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Trusted by over 4,000 businesses powering 100+ million calls per month.
Debt Collection
B2B Collections
Debt Collection
Medical Debt Collection
Debt Collection
Legal Debt Collection
Debt Collection
Debt Purchasing
HOW IT WORKS

Enhance collection efficiency & automate payment recovery with AI-powered phone agents.

Recover Past-Due Payments Faster
Offer Flexible Repayment Options to Customers
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AI-Driven Outbound Collection Calls
AI contacts delinquent customers, reminds them of outstanding balances, and guides them through payment options.
Automated Follow-Ups & SMS Payment Links
Send friendly but firm reminders via calls, SMS, and email, improving collection rates.
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AI-Negotiated Debt Settlements
AI can suggest payment plans and allow debtors to choose from pre-approved settlement options.
Escalation to Human Agents for Complex Cases
Seamlessly transfer high-risk or disputed cases to a live representative.
REVIEWS

See what customers say about us

in G2
Linda Harvard
CIO
By deploying conversational AI, MDS now handles 100% of inbound calls with only a 30% transfer rate, scaling effortlessly, and collecting ~$280,000 per month without sacrificing patient trust.
Increase Collection Rates Without Expanding Call Center Staff
AI-powered phone agents handle high volumes of debt collection calls, reaching more customers while reducing operational costs.
Automate Payment Reminders & Improve Recovery Rates
AI can proactively remind customers about past-due payments, offer flexible repayment options, and process transactions in real time.
Ensure Compliance & Professionalism in Every Call
AI follows strict regulatory guidelines (FDCPA, TCPA, CFPB, GDPR) to ensure debt collection efforts remain ethical, compliant, and non-intrusive.
Shivam Sharma
Associate Product Manager, BrightChamps
“With the automation of trial reminders, our sales teams can now dedicate more time to relationship building, while our teachers are equipped with richer context to personalize each lesson. The results speak for themselves, with improved engagement and satisfaction across the board.”
Increase Collection Rates Without Expanding Call Center Staff
AI-powered phone agents handle high volumes of debt collection calls, reaching more customers while reducing operational costs.
Automate Payment Reminders & Improve Recovery Rates
AI can proactively remind customers about past-due payments, offer flexible repayment options, and process transactions in real time.
Ensure Compliance & Professionalism in Every Call
AI follows strict regulatory guidelines (FDCPA, TCPA, CFPB, GDPR) to ensure debt collection efforts remain ethical, compliant, and non-intrusive.
Dominic Quirk
CEO
"Our abandonment rates were really high before, some days it was like 20 to 30%, but now it's gone down to around 5 or 6% across the business, with AI handling 75-80% of all of our calls."
Increase Collection Rates Without Expanding Call Center Staff
AI-powered phone agents handle high volumes of debt collection calls, reaching more customers while reducing operational costs.
Automate Payment Reminders & Improve Recovery Rates
AI can proactively remind customers about past-due payments, offer flexible repayment options, and process transactions in real time.
Ensure Compliance & Professionalism in Every Call
AI follows strict regulatory guidelines (FDCPA, TCPA, CFPB, GDPR) to ensure debt collection efforts remain ethical, compliant, and non-intrusive.
INTEGRATIONS

AI Automation for Debt Collection & Payment Platforms

Retell AI integrates with debt collection and payment platforms.
Airtable
Airtable
AmazonConnect
AmazonConnect
Clickup
Clickup
Five9
Five9
Go High Level
Go High Level
Hubspot
Hubspot
Keap
Keap
Livevox
Livevox
Microsoft Dynamics 365
Microsoft Dynamics 365
Monday.com
Monday.com
Nice
Nice
Pipedrive
Pipedrive
Ring Central
Ring Central
Salesforce
Salesforce
Smartsheets
Smartsheets
Talkdesk
Talkdesk
Telnyx
Telnyx
Twilio
Twilio
Vonage
Vonage
Zoho CRM
Zoho CRM
Pricing

Cut Costs by 90% with AI phone Agents

Pay as you go

$0 to start.

$0.07–$0.31 per minute – Pay only for what you use.
60 mins of free access.
20 concurrent calls.
10 Free Knowledge Bases.
Get Started
FAQ

Frequently asked questions.

How can AI automate debt collection and improve payment recovery rates?

AI-powered debt collection agents automate outbound calls, send payment reminders, and negotiate payment plans with delinquent accounts. By leveraging AI, debt collection agencies can increase recovery rates, reduce operational costs, and ensure compliance with FDCPA, TCPA, and CFPB regulations.

Can AI negotiate payment plans and settlements with debtors?

Yes! AI-driven collection agents can offer flexible repayment options, negotiate settlements, and set up installment plans based on predefined criteria. AI ensures personalized, compliant, and efficient debt resolution without human intervention, improving both customer experience and collection efficiency.

How does AI help reduce bad debt and improve self-pay collections?

AI automates self-pay collections by guiding customers through secure payment portals, processing transactions, and sending real-time confirmations. With AI-driven reminders and self-service options via phone, SMS, and email, businesses can recover past-due balances while reducing the burden on human agents.

Can Retell AI integrate with debt collection CRMs and payment platforms?

Yes! Retell AI seamlessly integrates with FICO Debt Manager, LexisNexis, Salesforce Financial Services Cloud, and leading payment processing systems. This allows collection agencies to automate debt recovery, update account statuses in real-time, and streamline payment processing for faster settlements.

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