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AI collections agents

AI voice agents for auto loan collections.

Voiceblazer calls your past-due auto accounts, verifies the borrower, gives the required disclosures and works out a payment plan inside the limits you set. Then it texts a secure payment link and logs the outcome, with a recording and transcript of every call.

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Payment reminders Past-due follow-up Promise-to-pay tracking Inbound payment calls
Payment reminder · Auto loanSkylar (AI) calling for Lakeside Auto Finance
Sample call
Fictional customer and company. All voices AI-generated.
How it works

What happens on every collections call.

Verify

Confirms it's speaking with the borrower, using the checks you choose, before mentioning the account.

Disclose

Gives your required disclosures, including the debt-collection notice and call recording.

Resolve

Sets up a payment plan or promise to pay, inside the amounts and dates you allow.

Follow up

Texts a confirmation and a secure payment link, and writes the outcome back to your systems.

Built for collections

Recover more, with fewer agents.

Voiceblazer handles the high-volume calls so your collectors can focus on the accounts that need a person.

Compliance rules you control

Set calling hours by time zone, attempt limits, do-not-call lists and the exact disclosure wording. The agent follows them on every call.

Payment plans within your limits

Choose the number of installments, minimum amounts and how far out a promise can go. Anything outside your rules goes to your team.

Text-to-pay links

Borrowers get a secure payment link by text, so no card numbers are read out on the call.

Promise-to-pay tracking

Every promise is logged with an amount and a date, so missed payments can go straight into a follow-up campaign.

Recordings and transcripts

Every call is recorded, transcribed and searchable, ready for QA, disputes and audits.

Connects to your systems

Read balances and due dates from your systems, and write outcomes back through our API and webhooks.

Where it fits

From the first reminder to the broken promise.

Courtesy reminders

Friendly calls a few days before a payment is due.

Early-stage past due

Reach borrowers in the first 30 days, when a quick call resolves most accounts.

Broken promises

Follow up when a promised payment doesn't arrive.

Inbound payment calls

Borrowers can call any time to set up a payment arrangement and get a payment link.

Welcome calls

Confirm contact details and the first due date on new loans.

After-hours coverage

Reach borrowers in the evenings and on weekends, inside the calling hours you allow.

Collections FAQ

AI collections calls, explained.

Does an AI collections agent follow rules like the FDCPA and Regulation F?

Voiceblazer follows the rules you configure: identity verification before the debt is discussed, the required disclosures, calling hours by time zone, attempt limits and do-not-call lists. Your compliance team decides the rules, and every call is recorded and transcribed so you can audit it. Voiceblazer doesn't give legal advice.

Does the agent tell borrowers it's an AI?

Yes. It introduces itself as a virtual assistant calling for your company, as you can hear in the sample call. You choose the exact wording.

Can borrowers pay during the call?

The agent texts a secure payment link, so borrowers pay on your payment page instead of reading card numbers out loud. It can also record a promise to pay with an amount and a date.

What if a borrower disputes the debt or asks for a person?

You decide what happens. The agent can transfer the call to your team or schedule a callback, with a summary and the transcript attached.

How quickly can we launch?

Most teams are live in days: connect your phone numbers and account data, set your rules and scripts, test with your own calls, then go live.

More from Voiceblazer

One platform for every call.

Get started

See an AI collections agent built for your portfolio.

Tell us about your accounts, call volume and compliance rules. We'll set up a demo agent that follows them, so you can hear exactly how it would sound to your borrowers.

Thanks! We'll be in touch within one business day.
Sorry, something went wrong. Please email us at kelly@voiceblazer.com.