All Case StudiesDebt Collection

60% Cost Reduction While Improving Recovery

Recoverly

60%Cost Reduction

Recoverly is a collections agency serving over 500 clients across financial services, healthcare, and utilities. Their operation relied heavily on human agents for first-contact payment reminders.

The Challenge

  • 1

    45% annual agent turnover created constant training gaps and inconsistent call quality.

  • 2

    Inconsistent FDCPA compliance across agents led to costly violations and legal risk.

  • 3

    Inability to effectively call during evenings and weekends when debtors are most reachable.

  • 4

    Rising operational costs were eroding already-thin margins.

The Solution

  • AI agents handle all first-contact payment reminders with 100% FDCPA-compliant scripts.

  • Automated negotiation of payment plans within pre-approved parameters, reducing friction.

  • Complex or disputed cases are escalated to senior human agents with full call context.

  • 24/7 calling capability including evenings and weekends when contact rates are highest.

The Results

16%

Recovery Rate (was 12%)

60%

Cost Reduction per Recovered Dollar

~0

Compliance Incidents

24/7

Calling Including Weekends

Our compliance team used to spend half their time reviewing calls for violations. Now every single call is compliant by design. The ROI was obvious within the first month.

Sarah Martinez

COO, Recoverly

Implementation Timeline

1

Compliance Configuration

Week 1-2

Built FDCPA-compliant call scripts, set payment plan parameters, integrated with collections software.

2

Controlled Rollout

Weeks 3-4

Deployed on a subset of accounts while compliance team reviewed every AI call.

3

Full Scale Operations

Week 5

Expanded to all first-contact accounts. Enabled 24/7 calling schedule.

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