Finance · Recovery
Your collections team keeps
quitting and your
overdue portfolio keeps growing.
A synthetic collections agent that sends reminders, negotiates plans and logs commitments.
I want a collections agentHow it works, step by step
Reminds
On the due date, with the balance and a payment link.
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Sends payment reminders at the right moment, on the right channel. Not spam — a well-timed message that the debtor actually reads.
Negotiates
Offers only what you approved and logs the commitment.
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Proposes installment plans within your rules, handles counter-proposals and confirms agreements. All logged automatically.
Escalates
Hands off to your team with the full history.
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After a defined number of attempts, flags the account and transfers to your legal or human recovery team with full conversation history.
Your ERP or payments system
Balances, payments, commitments
Frequently asked questions
Can an agent really collect debt without being confrontational?
Yes — and it works better than aggressive human reps. The agent uses a collaborative tone, reminds instead of pressuring, and offers realistic payment options. Customers respond better when they don't feel attacked.
What happens when the debtor doesn't respond?
It follows a timed escalation sequence: WhatsApp message, email, second WhatsApp follow-up. After a defined number of attempts without response, it flags the account for human review and escalates.
Can it negotiate payment plans?
Yes, within the rules you define: maximum number of installments, minimum payment, grace period. The agent proposes, the debtor accepts or counter-proposes, and the agreement is logged automatically.
Does it work for B2B and B2C collections?
Both. The conversation tone and escalation rules are calibrated differently — B2B tends toward more formal language and longer timelines; B2C uses more direct and concise messaging.
How is the portfolio data connected?
Via your CRM, accounting system or a simple spreadsheet exported daily. We integrate with what you already use — no platform migration required.
How long to go live?
It moves through Discovery, design, build and testing: we map your current collections process, define negotiation rules and configure escalation flows before the agent goes live with your real portfolio. Timing depends on your integrations; Luz gives you the plan in the diagnostic.
Recover more. Without adding collectors.
Talk to Luz and find out if a collections agent fits your overdue portfolio.
No cost · no calls · talk to an agent instantly