AI debt collection that recovers more.
Reach right-party contact, schedule payment, and escalate - with the cadence and audit trail your compliance team needs.
Right-party contact
Promise-to-pay
Cost to collect
Harmony reaches the right party at scale, secures promises-to-pay in the conversation, and works every account - TCPA- and FDCPA-aware, fully logged.
From the first dial to a live handoff - your AI voice agent runs the whole call on your scripts and rules.
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Cadence pull
Pulls accounts from your collection system on the right cadence and calling window.
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Verify and disclose
Verifies right-party contact and runs required disclosures - every call, every time.
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Resolve or escalate
Takes payment commitments, schedules promises-to-pay, or escalates disputes to a licensed rep.
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Audit-grade logging
Full transcript, disposition, and disclosure trail sync to your system.
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 AI debt collection software?
How does AI Collections support Reg F's 7-in-7 frequency rule?
Does the AI agent deliver the FDCPA mini-Miranda on every call?
How does it handle TCPA consent and revocation?
How does it handle a disputed balance or hardship?
Can it actually take payment commitments and move money?
How fast can a recovery team go live on AI Collections?
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.