Log inTry for freeBook a call

AI debt collection that recovers more.

Reach right-party contact, schedule payment, and escalate - with the cadence and audit trail your compliance team needs.

Try a demo call

A monday.com company - Trusted by revenue teams worldwide

honeycomb logoUniversal Business Solutions logomonday.com logobettermove logoDark Horse logo
honeycombUniversal Business Solutionsmonday.combettermoveDark Horse
70%Right-party contact
+26%Promise-to-pay
-50%Cost to collect

Every day an account sits untouched, recovery gets harder.

Harmony reaches the right party at scale, secures promises-to-pay in the conversation, and works every account - TCPA- and FDCPA-aware, fully logged.

Every step of the call handled end to end

From the first dial to a live handoff - your AI voice agent runs the whole call on your scripts and rules.

01

Cadence pull

Pulls accounts from your collection system on the right cadence and calling window.

02

Verify and disclose

Verifies right-party contact and runs required disclosures - every call, every time.

03

Resolve or escalate

Takes payment commitments, schedules promises-to-pay, or escalates disputes to a licensed rep.

04

Audit-grade logging

Full transcript, disposition, and disclosure trail sync to your system.

Frequently asked questions

AI debt collection software is an AI phone agent that works delinquent accounts by phone - reaching right-party contact, running required disclosures, taking payment commitments, and escalating disputes to a licensed rep. Harmony.ai runs it on our own LLM, with cadence rules and audit-grade logging your compliance team sets and controls.

Cadence, contact windows, and the 7-in-7 cap are enforced as system-level rules your compliance team sets - supporting compliant workflows, not replacing your compliance program.

Yes. The FDCPA mini-Miranda disclosure is part of a deterministic flow - it runs every outbound recovery call, with the full transcript logged for your audit trail. Off-script never happens.

Prior express consent is checked before every dial, calling windows are enforced by time zone, and any spoken stop or revocation suppresses the account immediately and writes back to your collection system.

Yes. Disputes and hardship claims are captured verbatim and escalated to a licensed rep with full call context. The agent never argues a disputed balance and never collects on one.

It takes promises-to-pay - capturing the payment commitment on the call and sending a secure payment link to complete it. Your payment flow stays in your stack, and anything complex escalates to a licensed rep.

Most teams go live in days for a single use case; complex deployments take about two weeks. We scope one delinquency bucket, connect your collection system, payment rail and telephony, tune on your scripts with compliance sign-off, then launch.

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.ai is fully certified with ISO 27001, the internationally recognized standard for information security management.

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.ai is fully certified with ISO 27001, the internationally recognized standard for information security management.

See AI Collections work a live recovery call.

Try a demo callBook a call

The voice AI platform revenue teams actually keep.

Built for revenue conversations, not just call handling. Talk to our team of Voice AI experts and see what the brain behind the voice can do for your pipeline.

Talk to a Voice AI expert

What should your agent accomplish?

Step
0104
Pick all that apply.
© Harmony. A monday.com company.