Industry · Debt Collection
AI debt collection calls that reach the right party.
Reaches the right party at scale, secures promises-to-pay and sends a payment link, and routes exceptions - so your collectors work only the accounts that need a human.
Right-party contact
Promise-to-pay
Cost to collect
Voice AI for debt collection is an AI phone agent that places and receives recovery calls at scale - verifying the right party, delivering required disclosures, negotiating payment arrangements within your approved parameters, and routing complex exceptions to a human collector. The problem: contact rates are declining, compliance requirements are tightening, and collectors are too expensive to dial every account in the portfolio.
Built around the conversations your buyers actually have.
The plays your team runs every day - handled end to end by an AI voice agent built for your industry.
Explore the platform›Capabilities
Everything the agent does on the call,
built in.
Call analytics & QA
Every call recorded, transcribed, dispositioned, and QA-scored - searchable by campaign.
Voicemail detection & retry cadence
Detects answering machines, drops your approved voicemail, and schedules retries automatically inside approved calling windows.
Number reputation & list hygiene
Manages spam labels on your outbound numbers, and dedupes and suppresses list records beyond DNC before the first dial.
Compliance & disclosure guardrails
TCPA disclosures, consent capture, and hardship paths run deterministically on every call, with approved scripts enforced.
Payment capture & hardship paths
Takes payments and offers plans or hardship options inside the call, with every required disclosure on the record.
Frequently asked questions
What is voice AI for debt collection?
Is automated collections calling TCPA-compliant?
How does it handle FDCPA and Regulation F requirements?
Can it actually arrange payments and promise-to-pay?
Does it integrate with our collections platform or CRM?
What happens when a consumer disputes a debt or requests a human?
What does debt collection automation cover?
Enterprise-grade security
Enterprise-grade AI infrastructure with built-in protection and security, data privacy, governance, permissions, and compliance.
SOC Type 2
We meet SOC 2 requirements to ensure secure and compliant management of data across all our systems.
GDPR
With our technical team based in Sweden, we operate under GDPR - the world's strictest standard for data privacy.
HIPAA
We safeguard your protected health information with HIPAA-compliant processes, policies, and technical controls.
ISO 27001
Harmony is fully certified with ISO 27001, the internationally recognized standard for information security management.