AI debt collection calls
that stay consistent, controlled and on the clock.
One approved script, configurable contact limits and reviewable outcomes.
- Approved script and escalation rules
- Configurable contact limits
- Outbound from $60/mo
Take the Call
Yourself
The fastest way to judge an AI phone agent is to be on the receiving end. Pick an agent, enter your number, and it calls you within moments.
Receive a live call and hear how it handles a real conversation.
8am–9pm
times outside this local window are presumed inconvenient under Regulation F; permission and state rules may be stricter
CFPB Regulation F7 in 7
Regulation F presumption for repeated calls about a particular debt, subject to its definitions and exceptions
CFPB Regulation FReviewable
recordings and transcripts are available when enabled under your consent and retention policy
Watch the demo
Watch one get built,
then answer a real call.
Three minutes: an agent gets built from a website, taught the hours and services and given a phone number — then answers a real call and moves a booking on its own.
The short answer
AutoCallFlow's AI debt collection calling runs outbound campaigns with an approved script, configurable calling windows and retry limits, then routes disputes or payment-plan conversations to your team. Recordings and transcripts are available when enabled. Outbound campaigns start on the $60/mo Growth plan.
Illustrative call
What the workflow
can sound like.
Fictional example: A consumer returns a call from an approved account-contact campaign.
AutoCallFlow agent
Thank you for returning the call. Before discussing the account, I need to complete the identity-verification steps in the approved script.
Caller
Okay.
AutoCallFlow agent
Thank you. Would you like to speak with an account specialist now or schedule a callback?
Caller
Please connect me now.
AutoCallFlow agent
I will transfer you and include the verified call context so you do not need to start again.
Identity workflow completed · No account details exposed early · Warm transfer started
What it does
Collection calling that runs on rules,
not on whoever picked up the phone.
Runs outbound campaigns at scale
AutoCallFlow outbound campaigns — Growth plan and up — work through approved account lists at the pace and contact limits you set, with outcomes logged for review.
Uses your approved script and rules
The agent is configured from the script and knowledge base you provide. Required disclosures and escalation paths should be tested, monitored and reviewed by your compliance team.
Keeps calls inside your calling window
You set the hours campaigns may dial — for example the 8 a.m.–9 p.m. local window the FCC's TCPA rules describe — and the agent simply doesn't place calls outside them.
Creates reviewable call records
When recording is enabled, calls produce a recording, transcript and summary in your dashboard so an authorized reviewer can examine what was said instead of reconstructing it from memory.
Hands negotiations to your team
When a debtor is ready to discuss a payment plan — or asks for a person — the agent warm-transfers to a collector with a summary of the conversation so far.
Syncs outcomes to your systems
HubSpot connects directly. Other collection-system and CRM workflows are scoped during onboarding so supported outcomes and callback requests reach the right record.
Works with the tools you already run on.
Google Calendar, Calendly and HubSpot connect directly. Other CRM, booking, payment and phone workflows are scoped during onboarding.
Outcomes belong in your collection system with the call record attached. HubSpot connects directly; collection platforms are scoped per account during onboarding. Systems commonly used by debt collection: TrueAccord · InDebted · Latitude (Genesys) · Katabat · Collect! (Comtech) · Aktos · Qualco · Prodigal · receeve · Ophelos · DebtPayPro · CollectMax. Exact read/write scope is confirmed during onboarding.
See all integrations
Prefer we build it?
Let us build your agent
— we'll contact you.
Tell us a little about your business and someone from our team will reach out to set the whole thing up.
- A review of how your calls are handled today
- A plan for what the agent should do
- A working agent, built and connected for you
Outbound campaigns
A thousand accounts, one reviewed workflow,
with controlled escalation.
In collections, outbound is the product. AutoCallFlow works approved account lists inside the calling window and contact limits you configure, applies your reviewed script and escalation rules, and logs each outcome — from the Growth plan up.
01
Upload your list
Accounts, amounts and callback rules come from your CRM or a simple upload — no manual dialing queue.
02
It dials inside your window
Calls go out only inside the hours you set, on up to 15 lines at once, at the pace you choose.
03
Approved script and escalation rules
The configured script guides each call, while disputes and off-script requests route to your team for review.
04
Call outcomes logged
Outcome notes land in your dashboard after each call. Recording, transcript and system write-back follow the settings and connections enabled for your account.
Campaigns it runs
Upcoming and just-missed payments get a consistent, polite reminder call before they become collections problems.
- Calls from the account list you upload
- Approved script and escalation rules
- Leaves a message and moves on when nobody answers
Accounts in the first window get worked systematically, when a call is most likely to resolve the balance.
- Works lists at the pace you set
- Books callbacks with your human agents
- Recording and transcription when enabled
Debtors who want to talk to a person get a scheduled callback with your team instead of a transfer to a full queue.
- Books callback slots into your team’s calendar
- Confirms by text after the call
- Outcome notes available for scoped CRM write-back
Campaign run
LivePayment reminders
Outbound campaigns are included from the Growth plan ($60/mo). You set the permitted contacts, calling window, retry limits and script; recordings and transcripts are available when enabled under your policy.
Beyond the phone line
The same AI agents,
answering on WhatsApp.
Meet your customers where they text: automated responses, appointment reminders and instant answers to common questions, directly on WhatsApp.
How it works
Live before
your next missed call.
01
Load your script and rules
Paste your approved script and FAQ, set your calling window and transfer rules. The Autoflow setup assistant builds the first version with you — about 10 minutes.
02
Connect a number and a list
Keep your existing number via forwarding or direct SIP — no porting — and load the accounts you want the campaign to work.
03
It starts calling
The campaign dials inside your configured window, follows the approved script, logs outcomes and transfers people who request a human. Outbound requires the Growth plan or up.
The alternatives
In-house collectors, an agency,
or an AI calling campaign.
| In-house collectors | Collection agency | AutoCallFlow | |
|---|---|---|---|
| Monthly cost | Salaries and benefits per seat | A contingency cut of recoveries | From $60/mo plus minutes |
| Coverage | One shift of dialing a day | Their queue, their priorities | Your full permitted window |
| Simultaneous calls | One per collector | Depends on assigned staff | 5–15 lines on outbound plans |
| Sticks to the approved script | Varies by agent and supervision | Depends on agency controls | Configured script with reviewable outcomes |
| Knows your accounts & policy | After weeks of training | Works many clients at once | Trained on your script & FAQs |
| Time to start | Weeks to hire and train | Provider-dependent contracting | About 10 minutes for a basic agent; compliance review additional |
Debt collection is regulated by federal and state law, including the FDCPA and Regulation F. AutoCallFlow provides configurable scripts, calling windows, contact limits and optional call records; compliance remains your responsibility.
Don't read the reviews. Watch them.
“Dropped voicemails to 2300 leads… we got 87 call-backs!”
— Dustin R.
“Within 2 days, I had 9 call-backs. 2 of those deals are closing this week!”
— Amara S.
“We get more responses, better conversations, and it costs way less.”
— Malik A.
“You'll be booking way more showings and spending less time chasing.”
— Isabella C.
“We only talk to people who actually call back, already warmed up.”
— Steven L.
Pricing
Published monthly plans,
with usage priced clearly.
Inbound answering starts at $29/mo, but collection work is outbound — campaigns and automatic follow-up require Growth ($60/mo) or up. Pro adds caller history memory and 12-month retention for accounts that span months of contact.
Starter
$29/mo
One agent answering one number, around the clock.
- 60 minutes included, then $0.22/min
- 1 phone number · 2 concurrent lines
- Booking, AI summaries & transcripts; recording when enabled
Growth
$60/mo
More lines, more agents, plus outbound follow-up.
- 220 minutes included, then $0.20/min
- 2 numbers · 6 agents · 5 concurrent lines
- Outbound campaigns & automatic lead follow-up
Pro
$150/mo
Caller memory and controls for regulated workflows.
- 360 minutes included, then $0.18/min
- 3 numbers · 15 agents · 15 concurrent lines
- Caller memory · regulated-workflow controls
Every plan supports around-the-clock answering within its configured capacity. Enterprise adds custom minutes and unlimited agents; extra minute bundles start at $0.12/min. Full pricing details
Start freeQuestions & answers
Asked before
you buy anything.
It replaces the dialing, not the judgment. The agent works the routine list calls — reminders, early-stage outreach, callback scheduling — and books anything sensitive with your human team. Disputes and hardship conversations belong with people; the AI keeps them from being buried under a thousand routine dials.
Your phone is ringing
right now, somewhere.
Every call that goes to voicemail is a job someone else is about to get. Put something on the end of the line tonight.
Free to start · no credit card · keep your existing number