Your highest-paid collectors should not be sending payment reminders.
Autopilot replaces manual collections outreach with governed Agentic AI, every contact timed intelligently, every compliance rule enforced automatically, and you pay only 1.5% of recovered balances. If nothing is recovered, you pay nothing. No upfront cost. No subscription. You pay when your consumers pay.
Most collections teams are working hard. They're just working at the wrong moment.
Fixed strategies applied uniformly across accounts with different behavior and risk waste 80% of collections time on execution instead of judgment, while self-curing accounts get the same effort as high-risk cases. Autopilot fixes the infrastructure so your team can fix the outcomes.
It runs collections so your team doesn't.
Every account analyzed before first contact
- ✓Behavioral patterns, payment history, and device usage scored per account
- ✓The specific hour and day each consumer is most likely to respond
- ✓Verifies the contact on record is the actual payment decision-maker
- ✓Channel selected by response probability, before any outreach
The right tone, on the channel they answer
- ✓SMS, email, Voice AI, webchat, and self-service portals
- ✓Empathetic, flexibility-first communication on hardship signals
- ✓A clear, low-friction path to resolution on avoidance behavior
- ✓Escalating-distress language triggers automatic human routing
Enforced before contact, escalated before deterioration
- ✓Contact-frequency, safe-hour, consent, and dispute rules enforced pre-send
- ✓Timestamped audit documentation at every touchpoint
- ✓Complex hardship and regulatory-risk accounts routed to specialists
- ✓At LAFCU: six AI-generated escalations across thousands of accounts
Outcomes manual collections can't reach.
Built for teams where volume is outpacing capacity.
Autopilot
questions
A collections agency takes your accounts, works them under their brand, and charges 25–35% of whatever they recover, if they recover anything. An autonomous collections platform operates under your brand, your compliance framework, and your rules, embedded directly into your workflow. Autopilot gives you the same recovery outcomes at 1.5%, with full audit documentation and no third-party handoff.
It analyzes each consumer's historical channel behavior, whether they open SMS but ignore email, whether they engage on weekday mornings but not evenings, and picks the channel with the highest response probability for that specific attempt. Not a default setting. A per-account, per-contact decision made before every message is sent.
FDCPA contact frequency limits, TCPA consent requirements, CFPB Regulation F documentation obligations, FCC Revoke All propagation, and state-specific contact rules. These are enforced before first contact, not checked manually, not audited after. Every attempt is logged with timestamps and exportable without reconstruction.
Complex hardship negotiations, escalated disputes, relationship-sensitive situations, and accounts showing regulatory risk signals. The escalation threshold is set by your team in Strategy Builder and applied consistently. The system routes before the next outreach attempt, not after the account has already deteriorated.
FinanceOps charges 1.5% of recoveries made through the platform. No monthly fee. No per-message charge. If nothing is recovered, you pay nothing. The first 10,000 accounts are processed free so you can see real results on your actual portfolio before committing to anything.
RPC measures how often an outreach attempt reaches the person with actual payment authority. The industry average is around 2%. Autopilot reaches 12–15% by combining behavioral channel selection, optimized timing, and decision-maker verification before first contact. If RPC is low, the workflow is generating activity, not recovery.
Yes. It applies different tone thresholds, cadences, and escalation logic by aging bucket, all configured in Strategy Builder. Recovery rates are highest on early-stage portfolios, up to 70%, which is also where the cost advantage over agency handoff is most significant.
See what receivables recovery infrastructure actually looks like.
First 10k accounts free and experience how FinanceOps manages recovery, servicing, payments, reconciliation, and compliance in real time. No upfront cost, and no payment unless balances are recovered.