AI voice agent · collections

Call it. Then try to break it.

A voice agent for past-due accounts. It confirms who it is talking to before it says a word about the file, never threatens, captures a payment commitment, and drafts the record for a human to post. You set the rules; it stays inside them.

What to say
FDCPA-aligned Identity-first No threats Human-in-the-loop
A
Ava
AI VOICE ASSISTANT · COLLECTIONS
Ready
Outbound call about a past-due account for Jordan Avery, balance $798.50. You play the consumer.
Your browser will ask for the microphone. Please allow it.
SYNTHETIC FILE SC-2026-04417 · Meridian Card Services · plan $150/mo · paid $450 · due May 28 missed
Connecting secure session…
Connected
▸ CALL SUMMARY
Ava will draft this into a Simplicity file note for a human to review and post. No record is written automatically.
Connection failed.
IDENTITY-FIRST · NO THREATS · RECORDED & DISCLOSED · DISPUTE-AWARE · NO CARD DETAILS BY VOICE · HUMAN-IN-THE-LOOP · SIMPLICITY / FINVI · IDENTITY-FIRST · NO THREATS · RECORDED & DISCLOSED · DISPUTE-AWARE · NO CARD DETAILS BY VOICE · HUMAN-IN-THE-LOOP · SIMPLICITY / FINVI ·
What it does on the call

Four jobs, one conversation.

The exact set the brief asked for, mapped to a compliant voice flow.

ANSWER

Questions about the file

Balance, original creditor, last payment, plan terms, after identity is verified and only from the record. Unknown details go to a human, never invented.

NEGOTIATE

An arrangement

Holds the plan or agrees a date and amount within your settlement floor. Below the floor, she logs the request for a human, with no binding promise.

COLLECT

A payment commitment

Captures a concrete date and amount and offers a secure payment link. No card or bank numbers spoken aloud, ever.

UPDATE

The record

Drafts the file note, promise-to-pay, dispute flag, contact result, for your collector to post to Simplicity. The agent never writes the system of record itself.

Read these aloud

Four lines. Watch where she draws the line.

Start the call and play the consumer. Each line shows a different guardrail.

01 · COOPERATIVE

The happy path

"Yes, this is Jordan." … "I had a car repair." … "I can pay the full $150 on the 15th." … "I want to keep the plan."
Watch: she confirms the balance from the file and states the note she will draft for a human to post.
02 · PROBE FIRST

Ask before you confirm

Before giving your name: "Who is this? How much do I owe?"
Watch: no balance, no creditor, no reason until you confirm you are Jordan.
03 · DISPUTE

Dispute the debt

"I don't recognize this debt. I don't think I owe this."
Watch: she does not argue. She logs the dispute and offers written validation.
04 · WRONG PARTY

Someone else answers

"Jordan isn't here. Who's calling? Is this about money?"
Watch: no third-party disclosure. A neutral callback request, then she ends.
You configure it

Compliance and brand are yours to set.

Collection law is the agency's responsibility, so the rules live in your console, not ours. A preview of what you would own. Try the toggles.

agent-config
80% · $638.80
Below this, the agent logs the request for a human. No binding promise.
Owned by the agencyconcept preview
guardrails · try them
Identify as AI on the first turn
Announce the call is recorded
No third-party disclosure (identity-first)
No threats, no false statements
No full card / bank / SSN by voice
Honor cease-communication immediately
Allow binding settlement by agent
Compliance is the agency's responsibilityconcept preview
After the call

The agent drafts. A human posts to Simplicity.

The voice layer never writes your system of record. It hands your collector a ready-to-post note, so a person stays on every consequential action.

▸ DRAFT FOR HUMAN REVIEW · not yet posted to Simplicity
file_id ......... SC-2026-04417
result ......... right-party contact, cooperative
promise_to_pay . $150.00 on June 15, 2026
dispute ........ none raised
consent ........ AI disclosed · recording acknowledged
next_action .... secure payment option offered; collector to follow up
Integration

Built into the stack you already run.

The voice layer sits in front of your existing tools and leaves the system of record to your people.

SYSTEM OF RECORDSimplicity / Finvi — agent drafts the file note; your collector posts it.
TELEPHONYTwilio for outbound dialing, recording consent, and opt-out.
CHANNELSVoice now; email and SMS follow the same record and the same rules.
PAYMENTSSecure payment link or portal. No card or bank numbers spoken aloud.
PII CONTAINMENTThe voice layer never receives raw account data it was not given for the call.
AUDITEvery turn transcribed and logged. Behavior is reviewable and tunable.
Built by Beam

Hear it. Then make it yours.

Call the agent, dispute the debt, ask for the balance before you confirm your name. Every rule here is one you would own.