AI debt collection calls that reach the right party.

It's an AI phone agent that places and receives recovery calls autonomously - verifying the right party, delivering required disclosures, negotiating payment arrangements within your approved parameters, and routing disputes or complex cases to a human collector. Unlike static IVR, it understands free-form speech and adapts within hard-coded compliance rails.

Harmony.ai supports TCPA-aware outbound with consent verification before dialing mobile numbers, calling-window controls enforced by time zone, and real-time DNC and opt-out honoring. Your compliance team configures the rules; every call is recorded and logged for audit.

The agent delivers mini-Miranda and required disclosures verbatim on every qualifying call, enforces the contact-frequency limits your compliance team configures (including Reg F's 7-in-7 framework), and maintains a full audit trail with call recordings. Your compliance team sets the parameters - the platform enforces them consistently, every call.

Yes. The agent negotiates within settlement bands and payment schedules you define, secures the promise-to-pay in-call, and sends a secure payment link by SMS or email to complete it - writing the disposition back to your collections system automatically.

We don't ship a fixed catalog of connectors. Harmony.ai integrates with your collections system, CRM, and telephony through their APIs - we build the specific integration you need, fast, so accounts and dispositions stay in sync.

The agent recognizes dispute language and hardship signals, pauses outreach on that account per the rules you configure, and routes the call immediately to the appropriate collector tier - with full context transferred so the collector doesn't start from zero.

Debt collection automation covers the full recovery call cycle: outbound right-party contact at scale, identity verification, required disclosures, payment arrangements and promise-to-pay capture with secure payment links, inbound balance and status calls, and automatic disposition write-back to your collections system - with disputes, hardship cases, and complex negotiations routed to human collectors.