- Home
- Solutions
- Collections
Collections dialerReminders that get paid, and keep the relationship.
Reach every account with a reminder text and a call, let AI agents take payments, agree plans and capture promises to pay, and bring in a person when the conversation needs one — with every contact recorded and logged.
One overdue account, handled end to end
How can collections teams contact more debtors compliantly?
Collections teams reach more accounts by pairing a dialer for collectors with AI reminder calls and texts that follow the scripts, contact windows and limits your compliance team sets. TalkerIQ records and logs every contact, pauses recording while card details are taken, and escalates disputes and hardship cases to a person.
- Dialing
- Power, predictive and AI reminder calls
- Texting
- Reminders, pay links and receipts
- Recording
- Automatic, paused for card details
- Escalates
- Disputes and hardship to a person
- Plans from
- $29/user/mo billed annually
Sound familiar?
Our agents spend all day on reminder calls that go to voicemail, and the accounts that need a real conversation wait.
Collections teams aren't short of accounts. They're short of reach, consistency and time for the conversations that matter.
Most reminder calls go unanswered
Agents dial the same accounts again and again, at whatever time the list reaches them.
Every contact has to be done right
Tone, timing and record-keeping all matter — and they're hard to keep consistent across a team.
Promises get made, then forgotten
A customer agrees to pay on the 15th, and nobody follows up on the 14th.
Card details on recorded lines
Taking a payment on a recorded call puts sensitive data where it shouldn't be.
How it works
From overdue to resolved, one account at a time.
AI agents handle the reminders and routine payments at scale. Your agents handle the conversations that need judgment.
Reminder goes out
A text from your business number with the balance and a secure pay link, followed by a call.
AutomaticAI has the conversation
The AI agent explains the balance, adapts its tone to the customer's circumstances and offers the options you allow.
AIPay, plan or promise
It takes a payment with recording paused, sets up a payment plan, or logs a promise to pay with a date.
AISmart retries
No answer? The next attempt is timed to the customer's past payment and contact patterns, by call or text.
AutomaticAgent when it matters
Disputes, hardship and settlements go to a person, warm-transferred with the account history and what was said.
AI + your team
Outreach at scale
Reach more accounts, at the right moment.
AI agents call your list and agents work the accounts that need a person, with power and predictive dialing for the team. Timing is based on each customer's past payment behaviour and when they tend to answer, and every attempt — call or text — is logged with its outcome.
- AI reminder calls that run 24/7 within the calling windows you set
- Smart retries that pick the next best time and channel
- Power and predictive dialers for your agents
- Segment-specific scripts by balance, age and history
Four ways to work a call list
Rep reviews the record, then clicks to dial.
Next number dials the moment a call ends.
Dials several lines; reps only get live answers.
AI makes the calls, qualifies, then hands hot leads to reps.
Two-way texting
Let customers reply when it suits them.
Many customers would rather text than talk about a bill. Reminders, pay links and receipts go out by SMS from your business number, and replies land in a shared inbox where the AI SMS agent or your team picks them up.
- Payment reminders and receipts by text
- Shared inbox with an owner on every thread
- Opt-out handling on every message
Team inbox · (512) 555-0187
Can I move my install to Saturday?
Maria · openWhat's the price for the 3-zone unit?
AI handlingThanks, see you Tuesday!
ResolvedOversight
Every contact recorded, reviewed and accounted for.
Calls are recorded and transcribed automatically, with recording paused while card details are taken. Supervisors review any AI or human conversation afterwards from its recording, transcript and summary, and a collector can warm-transfer a difficult call to a senior colleague.
- Automatic recording with pause for payment details
- Warm transfer to a senior collector
- AI summaries and dispositions on every contact
One click, five follow-ups
How did the call with Dana go?
Callback when? Thu · 3:00 PM her time
- Callback task for SamThu 3:00 PM, back at the top of his list
- Confirmation text sent"Talk Thursday at 3 — Sam, Brightline"
- AI summary attachedNeeds 12 seats, wants pricing for annual
- CRM deal updatedStage → Callback scheduled
- Off today's listNo more dials until Thursday
What changes
What changes for your collections team.
collection capability
Reminders and payments don't wait for office hours.
lower cost
AI agents handle routine reminder calls at a fraction of the cost of manual dialing.
promises to pay
Every promise has a date, a reminder and a follow-up.
tone on every call
Respectful, professional and on-script, account after account.
The details
Everything a collections team runs on.
AI reminder campaigns
AI agents call your list and take payments. AI campaigns
Smart retries
The next best time and channel for each account. Smart retries
Call + SMS sequences
Reminder flows that branch on outcomes. Flow builder
Payment texts
Reminders, pay links and receipts by SMS. Business texting
Recording with pause
Keep card details off the recording. Call recording
Agent escalation
Warm transfers with account history. Call transfer
Dispositions
Paid, plan, promise, dispute — captured the same way. Dispositions
Multilingual agents
Talk to customers in 12+ languages. Multilingual
Security & compliance
How we handle data, recording and consent. Trust Center
A day with TalkerIQ
How does one overdue account move from reminder to paid?
A telecom provider's in-house recovery desk. Grace supervises; Ben is a collector. The account belongs to Mr. Patel, two bills behind.
- A reminder text with a pay link
Sent from the business number inside the contact window Grace configured. Mr. Patel reads it but doesn't pay.
- An AI reminder call when he tends to answer
The AI agent calls in the evening based on his past answer pattern. He agrees to pay half now and half in two weeks; the promise to pay is captured.
- Payment taken, recording paused
Recording pauses while the card details are taken, then resumes. A receipt goes out by text.
- "I've just lost my job"
He replies to a reminder. The shared SMS inbox assigns the hardship case to Ben with the full history.
- Ben calls from the power dialer
Ben agrees a smaller hardship plan within policy. Grace reviews the call recording and summary for QA the same afternoon.
- The next instalment reminder
The AI sends the reminder and the payment arrives. Result: account resolved with one collector conversation, and every contact recorded and logged.
Compare
Power dialer, predictive dialer or AI reminder calls: which fits collections?
Most recovery teams use all three on TalkerIQ, by account stage.
| Power dialer | Predictive dialer | AI reminder calls | |
|---|---|---|---|
| Best for | Accounts that need a skilled collector | Large later-stage lists | Early-stage reminders and promises to pay |
| Who speaks | Collector | Collector, on live answers | AI voice agent with your approved script |
| Abandoned-call risk | None — one line per collector | Must be managed | None — the AI is always on the line |
| Disputes and hardship | Collector handles | Collector handles | Escalated to a collector |
| Recording and summary | Yes | Yes | Yes, with transcript |
Definitions: power dialer, predictive dialer. Agencies collecting for others should also see the debt collection phone system; plans are on the pricing page.
People and AI
AI handles the reminders. Your agents handle the hard conversations.
Your collections agents
- Disputes and hardship cases that need judgment
- Settlements outside the AI's rules
- Warm transfers that arrive with the full history
- Review with recordings, summaries and dispositions
Your AI agents
- Reminder calls and texts across the whole list
- Pay-by-link and payment plans within your rules
- Promise-to-pay capture with a follow-up date
- Respectful, consistent tone on every call
FAQ
Questions collections teams ask
Still unsure? Talk to our team.
Reviewed by the TalkerIQ product team · Updated
How can AI help with debt collection and recovery?
AI agents make reminder calls and send texts, follow up on payment schedules, negotiate payment plans within your business rules, take payments and capture promises to pay. They handle high volumes consistently and pass disputes and hardship cases to your team.
Is AI debt collection compliant with regulations?
TalkerIQ's collections agents are designed to follow FDCPA (Fair Debt Collection Practices Act) requirements, with strict protocols so every interaction is professional and respectful. You control scripts, disclosures and contact windows for your own compliance program, including TCPA and Regulation F obligations.
Can AI negotiate payment plans with customers?
Yes. The AI can offer payment plans and, where you allow it, settlements, based on your business rules, the customer's history and the outstanding amount — and it can process the payment during the call.
What happens to card details on recorded calls?
Call recording can be paused while payment details are taken, so card numbers stay off the recording and the transcript.
Can I customise the approach for different customer segments?
Yes. You can set the AI's tone, script, offers and timing by customer segment, payment history, balance and other criteria.
What types of businesses use AI for collections?
Any business that extends credit or has outstanding receivables — financial services (card, loan and mortgage payments), healthcare (patient payment plans, deductibles, billing follow-ups), telecommunications (bills and equipment plans), utilities (power, water and sewer bills) and B2B businesses with payment terms.
What is a promise to pay in collections?
A promise to pay is a customer's commitment to pay a specific amount by a specific date, recorded on the account so the next reminder or follow-up can be scheduled. TalkerIQ AI agents capture promises to pay on calls and texts and log them with the recording and summary.
Can a collections dialer text as well as call?
Yes. TalkerIQ sends payment reminders, pay links and receipts by text from the same business numbers it calls from, and replies land in a shared SMS inbox for the AI SMS agent or a collector. Opt-outs are honoured automatically. Lenders and banks can see the phone system for financial services.
Keep exploring
Collect more, without the friction.
Book a walkthrough and we'll map your reminder cadence, payment options and agent escalation on TalkerIQ.