Agent Studio

Performs real-time compliance checking on all communications by running parallel FDCPA, state law, time window, and frequency checks, then flagging violations.

Orchestrates personalized multi-channel communication by analyzing borrower history, selecting the best channel (SMS, Email, Voice), and scheduling compliant delivery.

Finds and verifies borrower contact information by querying credit bureaus, public records, and social data sources, then scoring the quality of each contact.

Handles payment plan proposals by assessing borrower capacity, generating payment options, and managing the accept/counter/reject cycle with automatic escalation.

Scores and ranks accounts for collection by enriching data, predicting payment likelihood, and assigning to agent queues with continuous outcome feedback.