AI agents for collections
An AI agent for collections that works the early book the way your best collector would — voice, WhatsApp, SMS, and email — then writes the result into the system you already run.
They trust us
Results
What it does
Notify, negotiate, follow through
Same case across voice, WhatsApp, SMS, and email. Files in. Dispositions out.
Campaigns
Preventive · personal loans
| Account | Amount | Date | Channel |
|---|---|---|---|
| 4821 · Ana R. | US$2,400 | 2026-03-12 | Thinking Voice 3 retries · 09–12 |
| 1904 · Luis M. | US$890 | 2026-04-02 | Thinking WhatsApp 2 retries · WhatsApp first |
| 7730 · Carla V. | US$5,100 | 2026-01-18 | Thinking Voice 4 retries · 18–20 |
| 2266 · Diego P. | US$320 | 2026-05-20 | Thinking SMS → voice 2 retries · SMS → Voice |
Promise to pay
Partial · FridayNext action
WhatsApp reminder · ThursdayWhy PathPilot
Our team trains your agent
On your scripts and the calls that already recovered.
Technology transfer to your AI team
We run it first. Then you take the keys.
Proprietary contact analysis and self-improvement
Every call trains the next one. You keep the audit.
Priced on the outcome
You pay a successful action. Same on every channel.
Testimonials
Before, analysis for continuous improvement in collections and service was manual, which made it very hard to find scalable actions with immediate impact on results. With PathPilot’s Quality Agent, we now know exactly where to focus to improve.
Christelle Falcon C. Mattilda
With PathPilot, scale no longer depends on hiring, training, and supervising more people. We increased management capacity and reduced operating cost, without growing headcount at the same pace.
Fernando Bastidas Intercobros
Reminders and early overdue are now all handled by AI. That makes our operation more efficient and faster.
Felipe, founder of tu Kompa
With PathPilot virtual agents we can monitor the operation, evolve it, and take on new books with confidence. As we say: no fear of success.
Adriana Chacón, Kalicollect Solutions
Questions from collections leaders
What is an AI agent for collections?
An AI agent for collections contacts accounts across voice, WhatsApp, SMS, and email, negotiates payment plans inside your policy, logs promises to pay, and follows up. It is not a reminder blast or an IVR. PathPilot’s Collections Agent is trained on your scripts and writes results into your CRM or loan system.
How is this different from a generic voice bot?
A generic bot is a prompt and a minute rate. PathPilot configures and fine-tunes the agent with you, analyzes every contact to improve the next one, prices successful outcomes, and can transfer operation to your internal AI team.
Can we use it before sending accounts to an agency?
Yes. The Collections Agent is built for preventive and early-stage collections so you keep the customer relationship. Agencies still make sense for late or already-lost accounts.
Will our own AI team be able to run it later?
That is the point of technology transfer. We operate and improve the agent first, then train your team on policies, offers, objections, and flows, and connect to the models and infrastructure you already approve.
How does PathPilot price the Collections Agent?
You pay for the result of the engagement — a successful collections action — not for minutes or tokens. Non-effective contact and no-connect use a lower rate. Channels share the same prices.
What does the agent write back to our systems?
Dispositions, promises to pay, next actions, and the conversation record. Files in and files out, or APIs and webhooks into the CRM or core you already run. We do not replace your servicing stack.
Keep reading
Run the early book with an agent you can take over
We train it. You keep the policy, the audit trail, and the option to run it yourselves.