Enterprise AI Voice Agents for Debt Collection
Careful, consistent collection conversations with the discipline of your best collector, and call capacity that stretches to your peak volume while your team handles the cases that need a person.
Built to support FCA Consumer Duty, GDPR and EU AI Act obligations. AI takes the routine calls; your specialists take the cases that need judgement.
Live demo line
+1 (332) 241-0221Emma, debt recovery specialist. Available 24/7. Push back, negotiate, raise an objection.
Collections teams cannot reach every account.
A collector's day is capped by seat-hours: dialling, waiting, wrap-up, breaks and supervisor sessions. Most outbound collection dials never reach the right person, so a large share of those hours produces no conversation at all.
Then add the variability problem. Results differ between your strongest and weakest collectors on the same accounts. Your portfolio gets the average, and the weakest calls are the ones that turn into complaints, data breaches and FOS cases.
AI takes the volume. Your specialists take the judgement calls.
AInora calls the routine accounts your team cannot get to, inside your calling windows, and runs your best script the same way on every call, every shift, every season. Pricing is set individually after a call, scoped to your portfolio and jurisdiction mix.
Your specialists spend their time on the cases where human judgement matters: vulnerability, complex negotiations, legal disputes and hardship arrangements. Each one reaches them with a briefing and the full call history.
Purpose-built for regulated portfolios
Every collections vertical has its own tone register, regulator, and escalation logic. The platform adapts to the portfolio.
BNPL and Fintech
Buy-now-pay-later defaults, instalment recovery, micro-loan arrears. High-volume, small-balance books where a seat-based team cannot reach every account.
Auto Finance
PCP arrears, HP defaults, lease balloon recovery. The AI handles routine reminders and frees specialists for repossession-track cases.
Healthcare Debt
Private healthcare invoices, dental finance, elective procedure plans. Sensitive, regulated, high-vulnerability conversations where tone matters.
Utilities and Telecoms
Energy arrears, broadband and mobile bill recovery, prepayment reconciliation. Heavy regulator scrutiny on vulnerable customer treatment.
Mortgage Arrears
Pre-possession outreach, payment plan negotiation, MCOB-aligned conversations. Highest-stakes vulnerability detection in collections.
Banking and Cards
Credit card arrears, overdraft recovery, personal loan defaults. High volumes, FCA-regulated, vulnerability-heavy population.
Council Tax and Public
Local authority recovery, court costs, HMRC partnerships. Public-sector accountability with the same scale problem as commercial portfolios.
Commercial Recovery
B2B trade debt, late invoice chasing, judgement enforcement. Different tone register, same need for scale and consistent record-keeping.
Real-time tone adaptation on every conversation.
Calm during anger. Empathetic during hardship. Firm with serial avoiders. Same script, different register, every single time.
Situation
Debtor explains their child is in hospital and they cannot pay this month.
AI response
The AI detects emotional distress, slows its pace, expresses genuine acknowledgement, and proactively offers a 30-day hardship pause or deferral. It logs a vulnerability marker for compliance and routes any further contact to a specialist track.
Situation
Debtor is shouting, swearing, threatening to complain to the FCA.
AI response
The AI stays calm, acknowledges the frustration without arguing, offers to pause the call or transfer to a human complaint handler, and captures the complaint per FCA Consumer Duty rules. It does not match the energy. It does not get tired.
Situation
Debtor insists they already paid or disputes the balance entirely.
AI response
The AI cross-checks the claim against the live ledger in real time. If confirmed, it apologises and closes. If unverified, it explains the dispute process, marks the account on hold per CSA guidance, and books a callback with documentary evidence requirements.
Situation
Debtor is willing to pay but needs a flexible plan over six months.
AI response
The AI calculates instalment options from your collections policy, proposes specific dates and amounts, agrees the schedule verbally, captures a recorded consent, and writes the plan back to your collections platform. Your team only sees it if the plan falls outside your policy.
Want to hear it before you read more?
Emma, our debt recovery specialist, picks up 24/7. She is an AI voice agent. Try to break her.
A purpose-built collections platform
Not a chatbot with a phone number. A voice AI system designed for the specific demands of regulated debt recovery.
Outbound recovery campaigns
Launch enterprise-scale concurrent collection calling without spinning up a call centre. The AI follows your scripts, adapts to each debtor, captures promises-to-pay, and writes every outcome to your collections platform in real time.
Inbound debtor support
When debtors call back, the AI answers on the first ring. No IVR menus, no hold music. It identifies the caller, confirms the balance, walks them through arrears options, and books or revises a payment plan inside a single conversation.
Vulnerability detection
Real-time signals identify financial difficulty, mental health indicators, bereavement and other Consumer Duty vulnerability flags. The call is routed, paused or escalated according to your vulnerability policy, documented end to end.
Case history for your team
Every call outcome, promise kept or broken and dispute raised is logged against the account, so your team can see which cases need a person and which meet your rules for legal review. Your collections policy and your legal team decide when to file.
Multilingual coverage
Voice agents in English, Polish, Romanian, Lithuanian, German, Spanish, Italian, French and other languages, so debtors hear their own language while your team handles the cases that need a person. Useful for cross-border portfolios and migrant-heavy UK debt books.
Compliance engine
Built to support FCA Consumer Duty, CONC, the CSA Code of Practice, GDPR and EU AI Act obligations on every call. Recording disclosure, consent capture, calling-window enforcement, complaint handling and full audit logs. Every call is reviewable, not a small manual sample.
How AInora handles the collections lifecycle.
From day-one arrears to litigation hand-off. Every stage with the right register, the right disclosures and the right outcome captured.
Pre-litigation reminders
Soft early-arrears outreach within days of a missed payment. The AI references the original credit agreement, confirms the debtor on the line, and offers to set a payment date. First-time arrears get a friendlier register than repeat offenders.
Right-party verification
GDPR-compliant identity confirmation before disclosing any debt. Date-of-birth or last-four-digits validation, consent capture, recording disclosure, all logged with full audit trail. Wrong number, third party or vulnerable customer signals route the call appropriately.
Affordability and payment plan
The AI walks the debtor through an income and expenditure conversation, calculates a Consumer Duty-aligned affordable instalment, agrees the date and amount verbally, and sends a payment link or confirmation by SMS or email inside the same call.
Pre-litigation triage and escalation
Calls that need human judgement, vulnerability disclosure, dispute, complaint, refusal to engage after multiple attempts, are routed to a specialist with a full briefing. Accounts that meet the escalation rules you set are flagged for your legal team with the full call history.
AI voice agent vs traditional dialler floor.
Side by side on the metrics CFOs and Heads of Collections actually report on.
The capacity model
AInora takes the call volume your team cannot get to. Your people take the conversations that need them, each handed over with a briefing.
Three tracks in every collections book
Routine accounts, complex cases and a court track. AI runs the routine track end to end and hands the other two to your people with a full briefing.
Reminders and confirmations
Handled end to end by AI: identity verification, payment confirmation and logging to your collections platform.
Cases that need judgement
Routed to your specialists with a full briefing: vulnerability, negotiation, disputes.
Court track
Accounts that meet your escalation rules, handed to your legal team with the full call history.
Compliance is the architecture, not an add-on.
Many AI collections tools are designed around US rules. AInora is designed for the UK FCA Consumer Duty regime and the EU GDPR and AI Act framework.
UK compliance baseline
- FCA Consumer Duty, good outcomes for vulnerable customers
- CONC, Consumer Credit sourcebook calling windows and disclosures
- CSA Code of Practice for debt collection
- GDPR UK, lawful basis, retention, right-to-erasure
- OFCOM, silent and abandoned call regulations
- PRA expectations on operational resilience
EU compliance baseline
- GDPR, lawful basis for processing, consent capture, retention windows
- EU AI Act, transparency duties for AI-generated voice contact
- Consumer Credit Directive (2023/2225) for member-state harmonisation
- Country-specific debt collection laws (DE BDSG, PL UODO, LT, LV, RO)
- PCI-DSS for payment data handled inside the call
- eIDAS for verified electronic agreements
Pick your jurisdiction or your vertical.
Dedicated deep-dives for the segments and regulatory frameworks that matter most.
UK debt collection
FCA Consumer Duty, UK CCA, vulnerability detection, and the FOS standards.
European collections
GDPR, EU AI Act, Consumer Credit Directive, and cross-border collection.
BNPL and fintech
High-volume, low-balance recovery for buy-now-pay-later providers.
Healthcare debt
NHS-adjacent UK billing and private EU healthcare. Sensitive, regulated.
Utilities and telecoms
High-volume regulated arrears with hardship and disconnection rules.
Auto finance
Auto loan arrears, lease defaults, voluntary termination workflows.
Cost and ROI
What drives the cost of AI collections and how to model ROI on your own numbers.
Compliance hub
FCA, GDPR, EU AI Act, FDCPA mention, and country-by-country guidance.
What moves results
The levers behind contact, cure and complaint rates in AI-assisted collections.
Frequently asked questions
The questions Heads of Collections, Compliance Officers and CFOs ask before pilot.
Yes. The platform is built around FCA Consumer Duty obligations. Every call enforces calling-window restrictions, identification disclosure, recording notice and vulnerability detection. Complaints are captured and routed to your complaints process, with an audit trail on every call. It is designed for regulated firms in BNPL, banking, mortgage arrears and utilities.
Two ways to start.
Hear it now on the demo line. Or book a 30-minute scoping call and we will run a controlled pilot on a slice of your live work-queue.
Book a 30-Minute Scoping Call