Our engine
Consumers resolve. You watch it happen.
Recovery is a data problem and a contact problem before it's a collection problem. We built one engine for both. Consumers resolve their accounts without your staff answering a phone, and your team sees every account as it moves.
How accounts get resolved
IAR — one agent, every channel
Intelligent Account Resolution is a single trained agent that works an account to resolution wherever the consumer engages. Same agent, same policies — the channel just changes.
Works the phone
When a consumer calls in, IAR verifies identity, discusses the account, negotiates a plan or settlement, and books it — 24 hours a day, every call logged, every call worked the same way. When an account needs a person, the call routes where your program sends it.
Resolves in text
The same agent, built for text. It verifies identity, answers account questions, negotiates, and takes payment through to resolution — so the consumer who will never answer a call finishes the whole thing on their own time.
One record, one posture, whichever way the conversation happens. We don't place AI calls to consumers; our outreach drives them to IAR. Every automated interaction identifies itself, in every channel, in every state.
What your team sees
CIC — your portfolio, in real time
The Client Intelligence Center is where your team watches the same accounts IAR is working — cohort recovery, account-level detail, and reports on demand, scoped to what each user should see.
Vintage recovery
| Vintage | Accounts | Placed | Recovered | Recovery % | Curve |
|---|---|---|---|---|---|
| 2025-08 | 18 | $142,300 | $58,628 | 41.2% | |
| 2025-09 | 16 | $128,900 | $49,884 | 38.7% | |
| 2025-10 | 15 | $119,400 | $41,909 | 35.1% | |
| 2025-11 | 17 | $151,200 | $48,082 | 31.8% | |
| 2025-12 | 14 | $109,750 | $31,169 | 28.4% | |
| 2026-01 | 16 | $133,600 | $33,266 | 24.9% | |
| 2026-02 | 15 | $121,050 | $25,784 | 21.3% | |
| 2026-03 | 18 | $146,800 | $25,837 | 17.6% | |
| 2026-04 | 14 | $102,400 | $13,517 | 13.2% | |
| 2026-05 | 17 | $138,900 | $13,057 | 9.4% | |
| 2026-06 | 16 | $124,700 | $7,233 | 5.8% | |
| 2026-07 | 14 | $98,300 | $3,047 | 3.1% | |
| All vintages | 190 | $1,517,300 | $351,413 | 23.2% |
Every placement cohort's recovery curve at a glance.
Any account by number, name, phone, or last four.
A location, a region, or the whole portfolio.
Placements, payments, results by period, exported when you need them.
Pull the numbers yourself.
No waiting on a monthly spreadsheet. Your team generates its own reports — placements, payments, recovery by period, or account-level detail — for any period, scoped to what that user is allowed to see. Aggregate reports release immediately.
Any report that resolves to individual accounts routes through a reviewer before it can be downloaded. The PII approval queue means the audit trail covers who pulled what, not just what the number was.
What makes the rates work
Why our recovery rates hold up
IAR and CIC aren't two products bolted together. They're two faces of one engine — and these are the capabilities that engine runs on.
Find the party, reach the party
Current phone, address, and identity data locate the right party. Better contact data means more conversations, and more conversations mean more resolutions.
Escalations go where you send them
Route to your team, to ours, or by condition. Your team can monitor live and take the transfer directly when they want to — the agent handles volume either way.
Every call reviewed, corrected at the source
Interactions are analyzed against your policies, findings evidenced by the calls that show them. Your team approves each correction once, and one fix governs every call that follows. The agent never changes itself.
See it run on your file.
A short working session — your portfolio, our engine, a tailored look at what IAR and CIC would show on it.
Request a proposal