AI-Powered Debt Recovery

Recover More Debt.
Stay 100% Compliant.

AI agents that automate outbound calls, uncover payment barriers, and negotiate agreements while your team focuses on complex cases.

Book a Demo →

See How It Works

+42%

Promise-to-Pay Lift

-35%

Agent Handle Time

+55%

Right-Party Contacts

100%

TCPA/FDCPA Compliant

Core Capabilities

Everything you need to transform debt recovery

Purpose-built AI that understands collections, compliance, and consumer psychology

Conversational AI Agents

Trained on thousands of successful collection calls. Identifies payment barriers, offers solutions, and negotiates realistic payment plans—all with empathy.

Built-In Compliance

TCPA and FDCPA guardrails embedded at every step. Manages consent, call windows, opt-outs, and required disclosures automatically with full audit trails.

Intelligent Dialing

Auto-dials your portfolio with smart pacing and time-zone optimization. Authenticates right-party contacts before engaging AI negotiation.

Real-Time Analytics

Track RPC rates, PTP conversion, promise-kept percentages, and agent productivity. Quality scoring on every interaction for continuous improvement.

Human-AI Collaboration

Seamless escalation to live agents for complex cases. Supervisors review outcomes, approve policy changes, and refine AI responses in real-time.

Seamless Integration

Connects to your existing CRM and collections platform via API. Syncs outcomes, transcripts, and recordings back to your system automatically.

Implementation

From portfolio to payment in 4 simple steps

Launch your first campaign in days, not months

Upload Portfolio

Import via CSV or connect your database. We automatically scrub against DNC lists and validate consent flags.

Configure Policies

Set offer limits, payment windows, hardship flows, and disclosure requirements. Define your brand voice and negotiation boundaries.

AI Takes Over

Our system places calls, verifies right party, uncovers payment barriers, and negotiates agreements within your guardrails.

Track & Optimize

Monitor results in real-time. Review call transcripts, adjust strategies, and watch recovery rates climb.

Ready to transform your recovery operations?

Join forward-thinking lenders and collection agencies already using AI to recover more while reducing costs and compliance risk.

Schedule Your Demo →

Common Questions

Everything you need to know

AI reaches more consumers faster, identifies real payment barriers (not excuses), and offers customized solutions that fit each debtor's situation—leading to higher promise-to-pay rates and better promise-kept percentages.

Yes. ToEbank Collect includes consent management, call-time restrictions, automatic opt-outs, required disclosures, and complete audit trails. However, your legal team should review the configuration for your specific use case.

Absolutely. You control when AI handles calls independently versus when it escalates to live agents. Supervisors can require approval for specific offers, review all outcomes, and override AI decisions at any time.

Most clients see 20-40% improvement in promise-to-pay rates, 25-35% reduction in agent handle time, and 30-50% faster right-party contact rates. Exact results depend on your portfolio mix, current processes, and configuration.

Most clients launch their first pilot campaign within 2-3 weeks. This includes initial configuration, policy setup, compliance review, and agent training. Enterprise deployments with custom integrations may take 4-6 weeks.

We integrate with major collections platforms via REST API and webhooks. You can also use direct CSV uploads. Our team will work with you to ensure seamless data flow between systems.

Get Started

See ToEbank Collect in action

Book a personalized demo and discover how AI can transform your recovery operations

Recover More Debt.Stay 100% Compliant.