Your collections team quits
every six months and your
overdue portfolio keeps growing.

Can an agent really collect debt without being confrontational?

Yes — and it works better than aggressive human reps. The agent uses a collaborative tone, reminds instead of pressuring, and offers realistic payment options. Customers respond better when they don't feel attacked.

What happens when the debtor doesn't respond?

It follows a timed escalation sequence: WhatsApp message, email, second WhatsApp follow-up. After a defined number of attempts without response, it flags the account for human review and escalates.

Can it negotiate payment plans?

Yes, within the rules you define: maximum number of installments, minimum payment, grace period. The agent proposes, the debtor accepts or counter-proposes, and the agreement is logged automatically.

Does it work for B2B and B2C collections?

Both. The conversation tone and escalation rules are calibrated differently — B2B tends toward more formal language and longer timelines; B2C uses more direct and concise messaging.

How is the portfolio data connected?

Via your CRM, accounting system or a simple spreadsheet exported daily. We integrate with what you already use — no platform migration required.

How long to go live?

4 weeks. We map your current collections process, define negotiation rules and configure escalation flows. The agent goes live with your real portfolio on week 4.