AI Debt Collection Agents That Call, Collect and Stay Compliant

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
Transfer high-risk or disputed cases to a live collector with the conversation summarized.
HOW IT WORKS

Answer every patient call, and make the payer calls your staff never gets to.

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Dynamic routing across departments and locations
Send callers to the right department or clinic location without a phone tree.
Reach the doctor who is on call
The agent reads your on-call schedule and pages the right clinician by name, so a caller never depends on a fixed department number.
Warm transfer to a human with full context
Handoffs carry the full conversation, and urgent symptoms take a red-line path straight to a person.
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.
Compliance Built Into Every Call
Build compliance into every call: required disclosures, identity checks, Reg F call-frequency limits, opt-out handling and a recorded, auditable record of each conversation.
Neil
CIO
“Retell AI helped us achieve both speed and empathy in our customer calls. It feels like talking to a real person — but faster, more consistent, and always available.”
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.
Compliance Built Into Every Call
Build compliance into every call: required disclosures, identity checks, Reg F call-frequency limits, opt-out handling and a recorded, auditable record of each conversation.
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.
Compliance Built Into Every Call
Build compliance into every call: required disclosures, identity checks, Reg F call-frequency limits, opt-out handling and a recorded, auditable record of each conversation.
INTEGRATIONS

Integrate with Your EHR and Phone System

Connect Epic, OpenDental, Dentrix, ChiroTouch and eClinicalWorks for scheduling and records. Keep Genesys, Five9, Amazon Connect, Dialpad or Twilio through SIP, so your number and your contact center stay where they are.
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.

Is AI debt collection legal?

Yes, when the calls follow the FDCPA, Regulation F and the TCPA. The collection agency stays responsible for what the AI says, so build disclosures, call limits and opt-outs into the agent.

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

AI debt collection agents automate outbound calls, send payment reminders, and offer pre-approved payment plans to delinquent accounts. Agencies use them to reach more accounts, reduce operational costs, and build FDCPA, TCPA and Regulation F controls into every call.

Can AI negotiate payment plans and settlements with debtors?

Yes. AI collection agents can offer repayment options, settlements and installment plans based on criteria you set. The agent offers only the payment plans and settlement options you pre-approve, and transfers anything outside those rules to a collector.

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 connects to collection platforms, CRMs such as Salesforce, and payment processors through APIs, webhooks and function calls, so agents can look up balances, update account statuses and take payments during the call.

Revolutionize your call operation with Retell

Start building smarter conversations today.

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