Everything it takes to work a past-due list
Two-way AI texting, AI voice agents, payments, a live team, QA and reporting — in one platform, run by people with more than 20 years in consumer collections.
Two-way AI texting
Every past-due account with a textable mobile number gets a text naming your organization and what's owed. When the customer replies, the AI answers in plain language, sends a payment link, takes a partial, or sets a promise date — only what your rules allow.
AI voice agents
Outbound reminder and collection calls, and an inbound line answered around the clock. Customers can ask about their balance, get a secure payment link by text, or get transferred to your office.
Secure payment links
Customers pay from their phone in a few taps. Card payments run through a PCI-compliant payment processor, so card numbers are never stored on our systems — or we link to your existing online payment page.
Payment plans on your rules
You set what the AI can offer by balance and age — full payment, minimum partials, how far out a promise can go. Anything outside the rules goes to a person.
Live team escalation
Hardship, disputes, complaints and anyone who asks for a person are handed to a trained agent with the full conversation attached — or routed to your own staff, your choice.
English and Spanish
The AI replies in the customer's language, by text and by phone. No separate queue, no waiting for a bilingual agent.
Quality assurance
Our QA team reviews AI conversations — texts and calls — against a documented scoring method, and fixes what it finds before it becomes a pattern.
Dashboard & reporting
Reply rates, people reached, promises made and kept, payments and dollars collected — by day, by age bucket, by channel. Every conversation is searchable with the transcript.
Notes back to your team
Conversation notes and promises go back to your staff in a daily file, or post directly to supported systems.
Live in weeks, not months
Start with part of your past-due list. Expand when the numbers prove it.
Set the rules
We agree on which accounts are in, what the AI can offer, contact hours, message wording and when to hand off to a person.
Connect the data
A secure account file from your billing system. We register your texting with the wireless carriers under your organization's name.
Pilot
The AI goes live on a slice of the list. You review real conversations and adjust wording and rules before it scales.
Run and report
Every account worked on the schedule your policy sets. Monthly reports, live dashboard, and a named contact at Peak.
See it on your accounts
Thirty minutes. We walk through real text conversations, the dashboard, and what a pilot on part of your past-due list would look like.