Collections Agent
Contact, arrangements and promise-to-pay on early-stage delinquency, under FDCPA, Reg F and TCPA.
Every delinquent borrower reached at the hours the rules allow, inside Regulation F’s seven-calls-in-seven-days limit — and a hardship captured the moment it is mentioned.
What it displaces
The dialler campaign and the followups that are open.
Every early-stage borrower reached inside the rules, and an arrangement made on the first conversation.
What it does
- 01
Reaches every delinquent borrower rather than the top of a list, at the hours the rules allow
- 02
Respects Regulation F — the seven-in-seven call frequency limit and the limited-content message
- 03
Takes the arrangement and the promise-to-pay, and follows up on the one that was missed
- 04
Captures a hardship the moment a borrower mentions one, rather than routing them to call back
What it leaves behind
- Call attempts, this seven days3 of 7§1006.14(b)
- Consent on file, mobileyesapp §1 · TCPA
- Limited-content message leftday 12§1006.2(j)
- Borrower named a hardshiphanded overday 19 · to loss mitigation
Inside FDCPA, Regulation F and TCPA · every attempt logged with its rule
Human-in-the-loop
No guesswork. Exceptions routed to humans
A borrower in hardship, in bankruptcy, represented by counsel, or asking for a person is out of its remit — it stops and warm-transfers with the conversation so far attached.
How a decision is made and provedWhat it runs on
1 of 3- Voice Agents
Borrower calls from the first web lead through servicing and payoff
- Speed-to-Lead
- LO Desk
- Servicing Line
The rest of the servicing side
All 8 servicing desks- 01Loan Boarding AgentCatches boarding defects before the first statement.
- 02Escrow ManagerUpstreamAnalysis, shortages, and the explanation that is borrower-friendly.
- 04Default Management DeskDownstreamSixty days and beyond, with the timelines held.
- 05Loss Mitigation AgentComplete packages, evaluated inside the Reg X clock.
- 06Claims AnalystThe claim package, read and reconciled for review.
- 07Payoffs ManagerQuotes, good-through dates and the release clock.
- 08Compliance ManagerAcross all of themEvery servicing call and letter scored.
You Ain't Seen Nothin' Yet
Book a Demo
Pack up some of your complex historical files — any loan type, any investor. We run them through intake, income and condition clearing, and in 30 minutes you see every condition we created and cleared efficiently for your own team, and why.
- Any loan type, any agency guideline or custom investor overlays.
- Every finding cited to the guideline or document it came from
Case study highlight
Loan review fell from 4 hours 50 minutes to 47 minutes per file, and 78% of items now clear at high confidence — so QC touches only the exceptions.
Pre-Close QC Agent · Better Mortgage— read the case study