Enterprise AI Voice Agents for Debt Collection
Compliant collection conversations with the consistency of your top performer and elastic concurrent capacity that matches peak volume without hiring.
Built for FCA Consumer Duty, GDPR and the EU AI Act. Your specialists handle the 5% that needs judgement. AI handles the rest.
Live demo line
+1 (332) 241-0221Emma, debt recovery specialist. Available 24/7. Push back, negotiate, raise an objection.
The economics of human-only collection no longer work.
A collector dials, on average, between 80 and 120 numbers per shift. Subtract lunch, breaks, call wrap, and supervisor sessions. Around 85% of those dials never connect. The seat cost runs whether or not anyone answers.
Then add the variability problem. Your top performer collects multiples of what your bottom performer collects on the same accounts. Your portfolio gets the average. Your bottom performers also generate the FCA complaints, the GDPR breaches, and the FOS adjudications.
AI collapses both problems at once.
The seat cost goes away. You pay per answered call, with rates scoped to your portfolio volume and jurisdiction mix. The 85% unanswered volume costs effectively nothing. The variability goes away too because the AI runs your top performer's script identically on every call, every shift, every season.
Your specialists stop being the workforce and become the escalation layer. They spend their time on the 5% of cases where human judgement actually matters. Vulnerability cases, complex negotiations, legal disputes, hardship arrangements. The other 95% the AI runs end-to-end.
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, thin-margin verticals where human dialling does not pay back.
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 breathing space or hardship 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. No human touch required.
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.
Predictive court-readiness
The model scores each debtor on likelihood to pay, likelihood to dispute and likelihood to require litigation, based on behaviour patterns across millions of calls. Allocate humans to soft cases. File on hard cases at the right court window.
Multilingual coverage
Deploy native-quality voice agents in English, Polish, Romanian, Lithuanian, German, Spanish, Italian, French and 30 more, without hiring multilingual collectors. Critical for cross-border portfolios and migrant-heavy UK debt books.
Compliance engine
FCA Consumer Duty, CONC, CSA Code of Practice, GDPR and the EU AI Act baked into every call. Recording disclosure, consent capture, calling-window enforcement, complaint handling and full audit logs. 100% coverage, not 2% sampling.
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. The AI flags court-ready cases and recommends optimal filing windows.
AI voice agent vs traditional dialler floor.
Side by side on the metrics CFOs and Heads of Collections actually report on.
The unit economics
Pay only for the calls that connect. The 85% no-answer rate that drains a human floor becomes free dialling capacity for AInora.
The 80 / 15 / 5 portfolio split
Every collections book splits roughly the same way. AI handles the first two segments end-to-end and routes the third with a full briefing.
Routine reminders
Handled end-to-end by AI. Identity verification, payment confirmation, CRM logging. No human touch.
Complex cases
Routed to upskilled human specialists with full briefings. Vulnerability, negotiation, disputes.
Court track
Behaviour-scored, evidence-packed, ready for legal at optimal filing windows.
Compliance is the architecture, not an add-on.
Most AI collections vendors are US-only and FDCPA-shaped. AInora was built from day one for the UK FCA Consumer Duty regime and the EU GDPR + 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
Pricing transparency, ROI calculator, and total cost of ownership comparison.
Compliance hub
FCA, GDPR, EU AI Act, FDCPA mention, and country-by-country guidance.
Case studies
Anonymised results from UK, EU, and US deployments across verticals.
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 per CONC requirements with a full immutable audit trail. We work with regulated firms across 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