Volume outpaces staff
Charge-offs spike with the cycle; hiring and training collectors doesn't. Automation absorbs the swing.
Financial Services & Lending
Recover charge-offs without adding headcount
Delinquencies, charge-offs, and deficiency balances for banks, credit unions, fintech, auto, and BNPL — worked automation-first, with Metro 2 credit reporting and collectors in the loop.
The problem
Delinquencies rise faster than recovery teams scale
Charge-off volume is cyclical; recovery headcount isn't. Manual dialing can't keep pace, and every touch carries TCPA, FDCPA, and Reg F exposure.
Thin recovery margins
Small balances don't justify manual effort. Digital-first resolution keeps cost-to-collect low.
Compliance exposure
TCPA consent, Reg F caps, and Metro 2 accuracy — one mistake is costly. Enforced in code on every touch.
Balances we work
Credit-card & line-of-credit charge-offsPost-charge-off recovery
Auto deficiency balancesPost-repossession shortfalls
Personal & installment loan defaultsFintech & bank originations
BNPL past-dueShort-term consumer credit
Overdraft / NSF & deposit balancesDDA recovery
Who we serve
Banks
Credit unions
Fintech lenders
Auto finance
BNPL providers
Card issuers
Built for lending compliance
Automation handles the volume. Collectors handle the judgment.
Metro 2 accuracy
Bureau submissions with same-day updates on payments, disputes, and closures.
TCPA & consent
Channel consent verified before outreach; opt-outs honored instantly across every channel.
Reg F enforced
7-in-7 caps and validation notices enforced in code, not by memory.
Collector-in-the-loop
Disputes, hardship, and negotiations routed to licensed collectors automatically.
Recover more, at lower cost
Start with a test portfolio
Place a batch, see recovery and compliance in one dashboard, scale from there.