One platform for every kind of past-due balance
Utilities, colleges, public agencies and lenders all have the same problem: people who owe a balance and don't pick up the phone. Here's how Peak works for each.
Utilities: collect before disconnect, recover after move-out
Peak adds two-way text to your door hangers and mailed notices, reaching customers while the balance is small and the account is still active — and keeps working final-bill accounts after the customer has moved.
- Past-due reminders before disconnection deadlines, on your schedule
- Payment links and payment arrangements inside your utility's policy
- Final-bill and closed-account outreach after move-out
- Electric, water, sewer, gas and solid waste accounts
- Monthly reporting on accounts reached, arrangements made and dollars recovered
Higher education: student balances and default prevention
Students live on their phones. Peak reaches them by text about balances, holds and loan repayment — in a tone that fits a college, not a collection agency.
- Outstanding student account balances and registration holds
- Default-prevention outreach to student loan borrowers before they default — reminders, and connecting them to their loan servicer and your financial aid office
- Inbound questions answered around the clock by AI, with handoff to your staff
- Messages written and approved by your institution before anything goes out
- Outreach and outcome reporting by cohort and campus
Government: fines, fees and other public receivables
Cities and counties carry balances from many sources, often worked by staff who have other jobs. Peak takes the outreach off their plate and reports back on every account.
- Utility, permit, citation and fee balances
- Service charges and other fee balances
- Code enforcement fines and other delinquent public receivables
- Outreach under the agency's name, with approved wording
- Contingency, per-account or flat pricing to fit your procurement rules
Lenders: the portfolios the platform was built on
Peak was built inside high-volume consumer lending, where every past-due account is worked every day and every note has to reach the system of record. That's still where the platform is most mature.
Auto dealers: see our dealer-specific site at peakpt.ai.
- Installment loans, auto finance and other consumer credit
- Every past-due bucket worked daily, with promises and partials on your rules
- Notes and promises posted back automatically to supported dealer management systems
- AI voice agents for outbound calls and a 24/7 inbound line
- Delinquency, promise-kept and roll-rate reporting
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.