AI for Collections Operators
Recover more revenue. At a lower cost-to-collect.
AI agents that read each customer's full payment history, identify the real reason behind every late payment, and decide what to do next: channel, timing, and message, instead of treating every late account the same.
on AI collections
increase in debt recovery vs. legacy chatbots
of overdue payments collected within 10 days
peak recovery rate on 61-90 day overdue segment
Results from the field
Recovery that pays for itself in weeks, not quarters.
Our partnership with Moveo.AI has been crucial in driving innovation in the Brazilian market. Together, we created an AI agent for one of the largest Telco in LATAM, automating and scaling its debt collection efforts. A solution twice as effective as traditional chatbots.
Reason-aware collections
Collections that read the room.
Each overdue payment has its own reason, schedule, and preferred channel. From accidental defaults to hardship and strategic non-payment, the response adapts to the situation.
Measure what matters
Every stage measured. Every drop-off explained. Every contact auditable. Built for CFOs, Heads of Collections, and credit managers who need defensible numbers, not vanity metrics.
Collections funnel
From contact attempt to paid promise.
Every stage of the recovery funnel measured in real time, with the financial layer CFOs actually need.
Compliance & audit
Every contact, every step, defensible.
Every conversation logged with full replay. TruePath enforces FDCPA, GDPR, and LGPD before any action fires.
Where collections happens
Every channel your operation runs. One unified customer record.
Voice, email, WhatsApp, SMS, with full context from customer service, accounts receivable, and prior collection attempts. Connected to the platforms your teams already use.
Voice & outbound calls
AI-led calls with right-party contact verification, voicemail handling, and inbound queue management.
Personalized payment reminders, formal notices, settlement offers, and statements with one-click payment links.
WhatsApp & SMS
Proactive outreach for payment reminders, hardship intake, and PTP confirmations. Critical for Brazil and LatAm portfolios.
Promise-to-Pay tracking
Securing, confirming, and tracking payment promises across every channel. Automated follow-ups before the due date and status updates back to your CRM.
Hardship intake
Identifying genuine hardship signals from prior conversations and routing customers to sustainable payment plans within your defined policy.
Dispute & escalation flow
Surfacing CS-side disputes that block legitimate payment, plus clean handoff to legal teams when escalation is needed.
Connects to your existing stack
No migrations. Moveo adds the shared memory layer on top of the tools you already run. Via API and native connectors.
Already using a support platform not listed? Moveo connects via API. Most operators are live in weeks, not quarters.
See how much more you could be recovering.
A 20-minute conversation, your portfolio shape, and a candid view of what changes when collections becomes reason-aware.
FAQs
Does Moveo replace our third-party collection agencies?
Most customers use Moveo to recover more value first-party, before accounts ever leave for an agency. Higher recovery in the first 30 to 120 days past due means fewer accounts handed off, lower agency fees, and accounts that do escalate arrive with full context. Some customers fully replace agencies for early-stage portfolios; others reduce agency volume by half or more.
How does Moveo stay compliant with FDCPA, GDPR, and LGPD?
TruePath enforces jurisdiction-specific rules on every action before it fires. Contact hours, frequency caps, required disclosures, opt-out handling, data residency. The compliance profile is set once per region and applied automatically. Every contact is logged with the policy version that governed it, so audits and regulatory examinations are reduced to a query.
How does Moveo handle hardship cases differently?
When the customer's history shows signals of genuine hardship, the agent shifts to an empathetic posture, offers payment plans within your defined policy, and avoids escalation paths that would harm the relationship. Sustainable recovery beats one-time pressure; hardship customers who are treated well frequently return to good standing and remain customers for years.
What happens when a case needs to escalate to legal?
When the agent identifies strategic non-payment after exhausting appropriate options, escalation happens with a complete record: every contact attempt, every response, every promise broken, every policy applied. Legal teams inherit a defensible audit trail rather than a fragmented case file. The escalation criteria are configurable per portfolio and per jurisdiction.
Do we need to replace our existing CRM, billing, or collections software?
No. Moveo connects to your existing stack via API and inherits the data already there. The new piece is the shared memory layer that links service, billing, and collections context, plus the AI agents that act on it. Common integrations include Salesforce, Zendesk, custom billing platforms, and any API-accessible system of record.
What data does Moveo need to identify the type of debtor?
The minimum viable input is past-due account data: account ID, balance, days past due, and contact details. With that alone Moveo can run a baseline campaign. Recovery improves significantly when service history, dispute records, and payment behavior signals are also available. Most customers see their numbers compound month over month as TrueThread accumulates more interaction context.