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Debt collection phone systemReach more accounts, respectfully and on the record.
One phone system for your collections floor: dialers and local numbers for your collectors, two-way texting, every call recorded, and AI agents that make the routine reminder calls, set up payment plans and pass disputes and hardship cases to a person.
One account, from reminder to resolved
- Day 1 · 10:00 AMReminder text goes out"Are you able to discuss a payment arrangement?"
- 2:30 PMCustomer replies: "I can make a payment"AI SMS agent offers your approved plan options
- 2:32 PMPayment plan agreed$200/month, confirmed by text and logged to the account
- Day 28Reminder call before the next instalmentWithin the calling windows and contact limits you set
- Day 29Question about an old chargeRouted to a collector with the full history and recordings
- Month 6Account resolvedEvery call, text and recording on file
What does a debt collection phone system need?
A debt collection phone system needs reach, controls and a complete record. TalkerIQ combines dialers, local numbers, two-way texting and call recording with AI voice and SMS agents that make reminder calls with your approved scripts, set up payment arrangements and escalate disputes or hardship cases to a collector.
- Dialers
- Power, predictive and AI outbound
- Records
- Every call, with transcript and AI summary
- Escalates
- Disputes and hardship to a collector
- Opt-outs
- Honoured automatically on texts
- Plans from
- $29/user/mo billed annually
Sound familiar?
My collectors spend most of the day dialing numbers that don't pick up — and the accounts that would pay never hear from us.
In collections, timing, compliance and efficiency are everything. Missed connections, rising labor costs and regulatory risk make recovery harder every year.
Hours lost to unanswered dials
Collectors chase overdue payments with calls, voicemails and reminders — and most of the day goes to no-answers.
Every call carries regulatory risk
Calling times, contact frequency, consent and opt-outs all have to be right, every time, for every collector.
Willing payers wait behind hard cases
Customers ready to set up a plan sit in the same queue as disputes and high-balance accounts.
How it works
How an account moves from overdue to resolved.
Rules first
Your compliance team approves scripts, calling windows, contact limits and opt-out handling before anything goes out.
Your teamAI handles first-touch outreach
AI agents send reminder calls and texts for due, overdue and failed payments — scripted, respectful, and in the customer's language.
AISelf-service when they're ready
Customers can make or schedule a payment or set up an instalment plan with the AI, and get a confirmation.
AIPeople for disputes and hardship
Disputes, hardship and sensitive cases are escalated to a collector with the history, recordings and summary attached.
Your teamCollectors work high-value accounts
With the routine handled, your team uses power and predictive dialing on the accounts that need a human.
Your team
Two-way texting
Let customers resolve it on their own time.
Where permitted by law and your policies, the AI SMS agent can hold a conversation by text: confirm the customer is ready to talk, offer your approved repayment options, set up a plan and send a confirmation — and route high-intent or complex accounts to your team. Opt-outs are honoured automatically.
- Repayment intent — preferred options, timelines and contact preferences
- Account questions — balance, due dates, payment methods and settlement options, after verification
- Opt-out handling on every number
Collections number · text thread
Dialers
AI makes the routine calls. Collectors take the ones that matter.
Run AI agents on first-touch reminders and re-engagement, and give collectors power or predictive dialing for the accounts that need a person. Local presence numbers, voicemail drop and dispositions keep every rep productive and every outcome logged.
- AI outbound campaigns for reminders on due, overdue and failed payments
- Power and predictive dialing for collector-worked queues
- Calling windows and contact limits applied by your rules
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.
Escalation
Disputes and hardship go straight to a person.
When a customer disputes a debt, describes hardship or asks for a human, the AI agent stops and transfers them to a collector — passing along what was said, so the customer doesn't have to repeat a difficult conversation. Every call is recorded and transcribed for your records.
- Escalation rules for disputes, hardship and complaints
- Warm transfer with a summary and recording
- Recording and transcripts on every call for your records
AI listens · collector takes over
- Customer
- Sam K.
- Balance
- $1,250
- Reason
- Hardship — job loss
- Wants
- Reduced plan
What changes
What changes when routine outreach runs itself.
accounts reached
Consistent reminder calls and texts across your whole portfolio.
manual dialing
Collectors spend their time on conversations, not no-answers.
scripted conversations
The same approved, respectful language on every AI call and text.
every interaction
Calls recorded and transcribed, texts and outcomes logged per account.
The details
What a collections floor runs on TalkerIQ.
AI reminder campaigns
AI agents call and text for due, overdue and failed payments. Outbound campaigns
Power & predictive dialers
Collectors only hear live answers. Predictive dialer
Local presence
Local caller ID on outbound calls. Local presence
Two-way texting
Reminders, payment links and plan confirmations by text. AI SMS
Self-service plans
Customers make or schedule payments and set up instalments with the AI.
Recording & transcripts
Every call recorded, with pause for card details. Recording
Dispositions
Promise to pay, dispute, wrong number — captured the same way every time. Dispositions
Compliance controls
Approved scripts, opt-out handling and escalation rules. Trust Center
Multilingual
Reach customers in English, Spanish, French and more. Languages
A day with TalkerIQ
How do collection agencies reach more accounts without adding collectors?
A day on a twelve-seat collections floor. Luis is a senior collector; Ana runs compliance and sets the rules the AI follows.
- Reminder calls start inside Ana's calling windows
An AI outbound calling campaign works early-stage accounts using the scripts and contact limits compliance approved, from local presence numbers.
- Kim wants to pay, just not all at once
The AI offers the repayment options the agency approved, sets up three instalments and texts a confirmation from the same number.
- "I don't owe this"
A consumer disputes the debt. The AI stops collecting, records the dispute and escalates to Luis with the recording and an AI call summary.
- Collectors work the accounts that need a person
Luis and the team run the predictive dialer on later-stage accounts, with one-click voicemail drop and a disposition on every call.
- A consumer texts STOP
The opt-out is honoured automatically and the account is flagged, so no further texts go out from any number.
- Ana reviews the day
Recordings, transcripts and dispositions for human and AI calls sit in one place. Result: more accounts contacted the same day, and every conversation documented.
Compare
TalkerIQ vs a legacy collections dialer plus a separate texting tool?
Many agencies stitch together a dialer, a texting vendor and a recording archive. Here is what one platform changes.
| Legacy dialer + separate texting tool | TalkerIQ | |
|---|---|---|
| Dialing modes | Predictive or power | Power, predictive and AI outbound |
| Reminder calls | Collectors or pre-recorded messages | AI voice agent with your approved scripts |
| Texting | Separate vendor and number | Same numbers, opt-outs honoured automatically |
| Disputes and hardship | Depends on the collector | Always escalated to a person |
| Records | Recording in one system, notes in another | Recording, transcript, summary and disposition together |
What is a power dialer? See the glossary. Team leads running recovery desks should also read the collections dialer page.
People and AI
Collectors handle the hard conversations. AI handles the volume.
Collectors focus where people matter
- Disputes, hardship and complaints
- High-value and complex accounts on the dialer
- Settlement negotiations within your policy
AI agents handle the routine
- Reminder calls and texts on due, overdue and failed payments
- Self-service payments and instalment plans
- Account questions and opt-outs, logged automatically
Where it fits
For every kind of receivable.
Collection agencies
Automate dunning, reminders and follow-up calls, and keep collectors on the accounts that need them.
Collections & recoveryBanks, lenders & utilities
Remind customers about overdue credit cards, loans, mortgage payments and unpaid utility or telecom bills.
AI outboundHealthcare billing
Automate patient billing reminders and payment plans for medical balances, with sensitive cases routed to staff.
AI SMS agentFAQ
Questions collections teams ask
Still unsure? Talk to our team.
Reviewed by the TalkerIQ product team · Updated
Is TalkerIQ compliant with debt collection laws?
TalkerIQ is built to follow the FDCPA, TCPA and Canadian collection regulations: AI conversations use the scripts you approve, avoid aggressive tactics, respect opt-outs and escalate disputes to people. Your compliance team sets the rules — scripts, calling windows and contact limits — for your accounts.
How does TalkerIQ improve recovery?
By making consistent, compliant reminder calls and texts across every account, letting customers set up payments themselves, and freeing collectors to focus on the accounts that need a person — so you reach more customers and improve contact rates.
Can customers make payments directly through TalkerIQ?
Yes. Customers can make or schedule payments and set up instalment plans through the AI agent by call or text, which reduces friction and gets confirmations out immediately.
Can TalkerIQ use SMS in collections?
Yes, where permitted by law and your policies. The AI SMS agent can send reminder notices and payment links, ask about preferred repayment options and timelines, confirm balances or status where allowed, and explain the process — while respecting opt-out requirements.
Can TalkerIQ handle disputed or sensitive cases?
It hands them to people. When a customer disputes a debt, raises hardship or asks for a person, the AI agent escalates the call to a collector with a summary and recording.
Does TalkerIQ integrate with collection software, and how fast can we start?
TalkerIQ integrates with CRMs such as HubSpot, Salesforce and Zoho CRM, and connects collection systems and payment platforms through Zapier, webhooks or the API. Most agencies are live in under 2 weeks.
Does TalkerIQ help with Regulation F call limits?
TalkerIQ lets your compliance team set the calling windows and contact limits used on your accounts, and the AI agent follows the scripts you approve. Your agency remains responsible for configuring those rules to meet Regulation F and state requirements.
How much does a debt collection phone system cost?
TalkerIQ is priced per user per month with no seat minimum: Starter $39 for the phone system and texting, Growth $79 adding dialers, bulk SMS and an AI receptionist, and Pro $149 adding 100 AI minutes per user, the AI outbound dialer and AI SMS. Dialers, recording, texting and AI agents run on the same platform. See TalkerIQ pricing for what each plan includes.
Keep exploring
Reach more accounts — without more risk.
Book a walkthrough and we'll map your scripts, contact rules, dialers and AI agents with your compliance team in the room.