Automatically engage debtors through voice, SMS, and email using AI agents that personalize outreach, follow up at the right time, and escalate only when needed.
Better Collection Services. Powered by Regal AI Agents.
Finally, AI Agents that match human-level collection services—at a fraction of the cost.
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Regal drives 10M+ ROI-positive conversations a month
Don’t just read about it. Talk to Regal’s AI Agent now.
Watch How Regal Automates Customer Support at Scale
Smarter Workflows, Faster Recovery
Free your team from repetitive tasks and increase recovery rates with intelligent automation at every step of the collections process.
Omnichannel Debtor Communication
Automated Admin & Documentation
Proven AI Use Cases for Collection Services
Transform Payment Follow-Up with Always-On Outreach
Regal’s AI Agents proactively follow up on outstanding balances via phone and SMS so you never miss a repayment window. Whether it's day one or day ninety, the AI drives consistent, compliant outreach at scale, increasing the likelihood of resolution without overwhelming your team.
Qualify and Route Inbound Calls Without Delay
When a debtor calls in, Regal’s AI Voice Agent can greet, identify, and qualify the account before determining the right next step whether it’s providing payment instructions, collecting intent signals, or escalating to a live representative. That means faster service and less manual triage.
Reduce Agent Load with Self-Service Payment Instructions
Rather than relying on your team for every “how do I pay?” call or message, AI Agents handle the common questions. Through natural voice and SMS conversations, they can provide payment portal links, due dates, and next-step instructions automating repetitive interactions at scale.
Deliver Compliant Messaging at
Every Step
Regal’s AI Agents are trained with built-in compliance logic to follow required scripts, avoid risky language, and respect time-of-day contact rules. Every call and message is logged, ensuring your outreach stays aligned with regulations like FDCPA and TCPA reducing legal exposure.
Identify Right-Party Contacts
Faster
Using dynamic scripts and natural conversation, Regal’s AI Agents can confirm right-party contact (RPC) status more quickly so you're not wasting time on unreachable accounts or violating contact rules. Once verified, AI continues the conversation or hands off to a live collector.
Scale Collections Without Adding Headcount
Whether you're managing thousands or millions of accounts, Regal’s AI Voice and SMS Agents scale instantly to handle volume surges. They work 24/7, never burn out, and allow your collections team to focus on resolving complex cases while automation handles the rest.
AI Collection Services By Industry
Healthcare
Speed up revenue cycle management with AI agents that handle high-volume billing follow-ups, claim denials, and benefits coordination—without overloading your staff. Our HIPAA-compliant automated collection services reduce manual input errors, accelerate patient repayment cycles, and ensure regulatory adherence with every interaction.
Banking and Lending
Regal’s AI Agents automate collections workflows across credit cards, personal loans, auto financing, and more. They call delinquent borrowers to deliver past-due reminders, offer repayment options, confirm intent to pay, and schedule payment dates. Agents can handle disputes, provide account balance details, and escalate when necessary, all while remaining PCI-compliant and audit-ready.
INSURANCE
Simplify collections on unpaid premiums, policy-related balances, and claim repayments. Regal’s AI voice agents intelligently prioritize accounts, engage customers, and escalate as needed—ensuring every touchpoint aligns with compliance and brand tone. Our automated collection services help insurance carriers recover more, faster.
Education
Manage tuition collection, loan servicing, and late payment follow-ups at scale. Regal’s AI-powered voice agents offer automated collection services tailored for schools, universities, and learning platforms—handling sensitive conversations with empathy while increasing repayment compliance among parents and students.
Home Services
Never lose track of a service deposit or overdue invoice again. Whether it’s HVAC, pest control, or home repair, our AI agents follow up on balances, schedule payments, and confirm transactions—all while your teams stay focused on service delivery. Automated collection services reduce missed payments and support faster cash flow.
Retail
From buy-now-pay-later to service add-ons and financing plans, Regal’s AI agents help retailers follow up on missed or partial payments with speed and consistency. Automate payment reminders, confirm billing details, and capture intent to pay. Our AI-driven collection flows reduce delinquency and support better cash flow, especially during peak seasons.
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Seamless Integration
Regal was built to work with your existing data and telephony infrastructure, not against it. Our AI Agents integrate directly with your current CRMs, data warehouses, contact center tools, and internal systems through secure APIs and native connectors. Whether you're running Salesforce, HubSpot, or proprietary platforms, there’s no need to rip and replace.
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Safe and secure
Our enterprise-ready platform is designed for privacy, security, and compliance.
Our agreements with LLM partners prevent them from training on your data or storing your data.
Automated Collection Services FAQs
What are AI agents in collection services, and how do they function?
AI agents in collection services are advanced software programs that autonomously manage and execute debt recovery tasks. Leveraging technologies like machine learning and natural language processing, these agents can:
Initiate and manage communications with debtors across multiple channels (e.g., phone, email, SMS).
Analyze debtor behavior to prioritize collection strategies.
Offer personalized repayment plans based on individual financial situations.
Ensure compliance with relevant regulations by adhering to predefined protocols.
By automating these processes, AI agents enhance efficiency, reduce operational costs, and improve recovery rates.
Initiate and manage communications with debtors across multiple channels (e.g., phone, email, SMS).
Analyze debtor behavior to prioritize collection strategies.
Offer personalized repayment plans based on individual financial situations.
Ensure compliance with relevant regulations by adhering to predefined protocols.
By automating these processes, AI agents enhance efficiency, reduce operational costs, and improve recovery rates.
Can AI agents replace human debt collectors entirely?
While AI agents significantly streamline and automate many aspects of debt collection, they are not a complete replacement for human collectors. AI excels at handling routine tasks, such as sending reminders and processing payments. However, complex cases that require nuanced judgment, empathy, or negotiation still benefit from human intervention. The optimal approach combines AI efficiency with human expertise to maximize recovery outcomes.
How do AI agents ensure compliance in debt collection processes?
Compliance is paramount in debt collection. AI agents are programmed to adhere strictly to regulations like the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA). They achieve this by:
Following standardized scripts that comply with legal requirements.
Logging all interactions for audit purposes.
Monitoring real-time changes in regulations and updating protocols accordingly.
Flagging potential compliance issues for human review.
This proactive approach minimizes legal risks and ensures ethical collection practices.
Following standardized scripts that comply with legal requirements.
Logging all interactions for audit purposes.
Monitoring real-time changes in regulations and updating protocols accordingly.
Flagging potential compliance issues for human review.
This proactive approach minimizes legal risks and ensures ethical collection practices.
In what ways can AI personalize repayment options for individual debtors?
AI agents analyze a debtor's financial history, payment behavior, and other relevant data to tailor repayment plans that align with their unique circumstances. This personalization includes:
Adjusting payment amounts and schedules to fit the debtor's budget.
Offering multiple payment channels for convenience.
Providing timely reminders and support to encourage adherence to the plan.
Such customized approaches increase the likelihood of successful debt recovery and enhance the debtor's experience.
Adjusting payment amounts and schedules to fit the debtor's budget.
Offering multiple payment channels for convenience.
Providing timely reminders and support to encourage adherence to the plan.
Such customized approaches increase the likelihood of successful debt recovery and enhance the debtor's experience.
Is AI-powered debt collection scalable for large enterprises?
Absolutely. AI-powered debt collection solutions are inherently scalable, making them ideal for large enterprises with extensive debtor portfolios. Benefits include:
Handling high volumes of accounts simultaneously without compromising efficiency.
Integrating seamlessly with existing Customer Relationship Management (CRM) and Enterprise Resource Planning (ERP) systems.
Providing real-time analytics and reporting to inform strategic decisions.
Reducing the need for proportional increases in human resources as the business grows.
This scalability ensures that enterprises can maintain effective and compliant collection processes as they expand.
Handling high volumes of accounts simultaneously without compromising efficiency.
Integrating seamlessly with existing Customer Relationship Management (CRM) and Enterprise Resource Planning (ERP) systems.
Providing real-time analytics and reporting to inform strategic decisions.
Reducing the need for proportional increases in human resources as the business grows.
This scalability ensures that enterprises can maintain effective and compliant collection processes as they expand.
Treat your customers like royalty
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