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AI Debt Collection for Better Payment Conversations

Use AI in debt collection for the routine part of payment follow-up. AvaritCall runs reminder calls, records each customer's response and promises to pay, and transfers calls that need your collections team. It works from your current account data and the contact rules you set.

Shop owner at work answering a payment reminder call

Sample call

Promise to Pay

Verification
Completed
Stated payment 1
$170 on Friday

Next step: Payment is confirmed only by your billing system

Hear an AI Payment Reminder Conversation

Three short calls show the main outcomes. Each one lists the information recorded, the result and the next step, and a promise to pay is never shown as a payment.

Outbound call

Play sample call

0:41

AI agentHello, this is the virtual assistant calling for Harbor Utilities. May I speak with Laura Bennett?
CallerSpeaking.
AI agentThanks, Laura. Before I share any account details, can you confirm your date of birth?
CallerApril 18, 1990.
AI agentThank you. I'm calling about your account balance of 186 dollars, which was due on the 5th. Are you able to make a payment this week?
CallerYes, I just forgot. I'll pay it online tonight.
AI agentThank you. You can pay through the official payment page on your account or by calling the number on your bill. I've noted that you plan to pay tonight.
CallerGreat, thanks.

Result

Reminder Delivered

Verification
Completed
Balance
$186, due on the 5th
Customer response
Will pay online tonight
Payment received
Not verified

Next step: Check the payment in your billing system tomorrow

These are fictional sample calls. Names, companies and amounts are examples and contain no real customer or account data.

Manage Routine Payment Follow-Ups with Clear Next Steps

Each feature covers one part of the follow-up and gives your collections team a clear outcome to work from.

  • Account-Based Payment Reminders

    Reminder calls use the balance and due date from your current records, uploaded as a list or passed through the API. Your team gets a clear outcome for each account.

    AI Auto Dialer

  • Payment Commitment Records

    The date and amount a customer states are saved as call fields, so the collections team can track promises to pay as their own outcome.

  • Approved Payment Options

    The agent explains only the options you approve. Discounts, settlements and new payment plans are passed to authorized staff.

  • Official Payment Guidance

    Customers are directed to your official payment channels. With setup by our team, a payment link can follow by WhatsApp template or email; AvaritCall does not process payments.

  • Dispute & Support Capture

    Disputes, wrong-party calls, financial hardship and already-paid statements are recorded with tags and passed to the right person.

  • Follow-Up Tasks & Human Transfers

    Depending on the outcome, the agent transfers the call or records a follow-up that can become a task in the AvaritCall CRM. Actions in other systems depend on a connected API.

How AvaritCall Handles a Collection Conversation

Every call follows the same four steps. A payment the customer says they made stays separate from a payment your billing system confirms.

  1. Retrieve Current Account Information

    Each call starts from the account and balance data in your campaign list or your system's API.

  2. Apply Contact and Verification Rules

    Calling days, hours and time zone, retry limits and do-not-call flags are applied before dialing, and your verification steps run before any account detail is shared.

  3. Discuss the Payment and Record the Response

    The agent shares approved information and takes the action your rules allow for the customer's answer.

  4. Update the Follow-Up Record

    A promise to pay, dispute, callback or transfer is saved to the call record and the CRM, ready for your team or your own systems through webhooks.

See How a Payment Commitment Is Recorded

This excerpt starts after verification. The follow-up record next to it is what your collections team sees.

Example conversation

AI agent
Thank you for completing verification. I'm calling about the outstanding invoice shown on your account.
Caller
I can pay it on Friday.
AI agent
Are you planning to pay the full outstanding amount?
Caller
Yes, the full amount.
AI agent
Thank you. I've recorded your stated payment date. Would you like information about the official payment options?
Caller
Yes, please.

Follow-up record

Promise to Pay

Verification
Completed
Account
Invoice INV-2048
Stated payment date
Friday
Stated amount
Full outstanding balance
Follow-up
Check payment status on Monday

No payment has been received or verified.

Keep Payment Conversations Within Your Rules

These controls support your own collection policies. They are product settings, not a compliance certification.

  • Verification Before Disclosure

    The agent follows your verification steps before discussing any account detail. If verification is not completed, it shares no account information and offers a callback or your official contact channel.

  • Contact Times & Frequency

    Set calling days, hours and time zone, a daily limit, a retry count from 0 to 5 and the interval between attempts for each campaign. Customers who ask not to be called are marked do-not-call automatically and skipped in every campaign.

  • Approved Language & Escalation

    Your instructions define what the agent says, which options it can explain and which situations go to a person, such as hardship, disputes or a request to speak with staff.

  • Records & Access Controls

    Each call has a transcript, summary and outcome in the dashboard. Transcripts are kept for a defined retention period, and team members see only the agents and permissions you grant.

Connect Collection Calls to Account and Payment Records

Ready connections and those that need a custom integration are listed separately. Collected amounts are shown only when your payment system confirms them.

Explore Integrations

  • Ready

    CRM & Collection Platforms

    • AvaritCall CRM
    • REST API
    • Webhooks

    Calls are logged to the AvaritCall CRM, which includes a collections board template, with outcomes and follow-up tasks. Other collection platforms connect through the REST API or webhooks.

  • Set up by our team

    Billing & Payment Systems

    • Custom HTTP tools
    • Your own customer database

    The current balance and payment status can be looked up during the call from your system's API with a custom tool, or through a connection our team builds.

  • Ready

    Phone Systems & Human Transfers

    • Twilio
    • Telnyx
    • Plivo
    • Any SIP trunk or PBX

    Connect your numbers via SIP and transfer calls to authorized staff, with a fallback number if the first line does not answer.

  • Ready

    APIs & Notifications

    • Slack (beta)
    • Microsoft Teams (beta)
    • REST API
    • Webhooks

    Start calls through the API, receive signed webhooks when a call ends and notify your team by email, or in Slack or Microsoft Teams (beta).

Example results panel

  • Recorded promises to pay
  • Disputes and support requests
  • Callback requests
  • Calls transferred to staff
  • Payments verified in your billing system (when connected)

How Teams Use AvaritCall for Payment Follow-Ups

An Example Payment Follow-Up Workflow

  1. Before

    In this example, a utility's billing team spends mornings calling customers with past-due balances, and outcomes end up scattered across spreadsheets and notes.

  2. With AvaritCall

    Each morning the team uploads the past-due list. The agent calls within the set hours, verifies the customer and delivers the reminder.

  3. How Responses Are Split

    Promises to pay are saved with date and amount. Disputes and already-paid statements go to the billing team, and hardship or plan requests go to authorized staff.

  4. What the Team Reviews

    The team checks promises against payments confirmed in the billing system and works through the dispute and callback lists.

Frequently Asked Questions

What is AI debt collection?

AI debt collection uses a voice agent to handle routine payment follow-up calls. In AvaritCall, the agent calls from your account list, verifies the customer, delivers reminders and records responses such as promises to pay or disputes. Decisions on settlements, disputes and hardship stay with your team.

How does AvaritCall verify identity before sharing account information?

With the steps you define. You set the questions, such as date of birth or ZIP code, and the check can call your own system through a custom tool. Until verification is complete, the agent shares no account details.

Can AvaritCall record promises to pay and create follow-up tasks?

Yes. The stated date and amount are saved as call fields in the call record and the CRM, and follow-ups can become CRM tasks. A promise to pay is recorded separately from a payment confirmed by your billing system.

Can an AI collection agent offer payment plans or settlements?

Only the options you approve. The agent can explain predefined options, such as paying a balance in two parts. Negotiating settlements, discounts or new plans is passed to authorized staff.

What happens if a customer disputes the debt or says they have already paid?

The agent records the statement with a tag and does not press for payment. It transfers the call or records a callback request for your team to review, and it does not decide whether the debt is valid.

Can AvaritCall send payment links, and does it process payments?

It can send your link, but it does not process payments. Your official payment link can go out by email or by WhatsApp template set up with our team. AvaritCall does not take card details on the call, and payments are confirmed only by your own billing system.

Can we control contact times, call frequency, and communication preferences?

Yes. Each campaign has calling days, hours and time zone, a daily limit, a retry count and a retry interval. Customers who say they do not want to be called are marked do-not-call automatically and skipped in all campaigns and manual calls, and you remain responsible for the collection rules that apply to your accounts.

How is AI debt collection priced, and which system connections are required?

Calls cost $0.08 per talk minute, billed per second; unanswered and busy calls are free, and there is no setup fee or commitment. You can start with an uploaded list and no integration, while live balance lookups and result syncing need an API connection or a connection our team builds.

Related Solutions

Streamline Your Payment Follow-Ups

Let the agent run routine reminders, keep every customer response organized and send exceptions to your collections team. We will help you set the rules and connections for your accounts.

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