Your customers can't switch providers. That's exactly why arrears recovery has to be done right.
Regulated, hardship-aware arrears recovery built for the jurisdiction-specific rules a public utility commission actually enforces.
Trusted by lenders, credit unions, healthcare providers, utilities, and regulated finance teams managing high-volume receivables.
One wrong disconnection and you're not just losing a customer, you're facing a commission.
Disconnection and hardship rules vary by state and protected class, and arrears spike seasonally. Small-dollar balances add up quickly, and because customers are captive, public utility commissions closely scrutinize collection conduct regardless of switching risk.
Recovery that's built around the regulation, not layered on top of it.
Configured per state hardship, moratorium, and protected-class rule, so seasonal shutoff bans and elderly or disability protections are encoded into the workflow itself.
Learn more →Catches hardship signals early, before an account reaches disconnection territory, and adjusts outreach tone accordingly.
Smooth seasonal arrears spikes with weekly, biweekly, monthly, or custom schedules matched to what a household can actually sustain.
Manages the high-volume, low-complexity segment of small-dollar arrears autonomously, so portfolio-level recovery doesn't depend on individual agent attention.
Learn more →Lifts right-party contact rates across a captive customer base without increasing outreach volume or aggressiveness.
Every contact, hardship flag, and compliance decision is timestamped and exportable, ready for a public utility commission review at any time.
Six numbers that keep you ahead of a commission inquiry.
The leading indicator for whether arrears are being worked before disconnection eligibility.
How many accounts are being correctly identified for protected handling before escalation.
Especially through the seasonal heating- and cooling-driven arrears spikes.
Exposes whether payment arrangements reflect real household affordability.
The number a regulator checks first.
A simultaneous signal of customer harm and regulatory exposure.
A captive customer base changes the calculus.
Utilities face a unique recovery-versus-relationship challenge: customers can't switch providers, which increases regulatory and reputational scrutiny. FinanceOps recovers arrears without triggering disconnection or hardship-handling failures that draw commission attention.
Every state's rules, encoded, not improvised.
Winter shutoff bans, elderly and disability protections, and hardship-program eligibility are configured directly into the Strategy Builder, so outreach automatically adjusts to the jurisdiction each account sits in, without a manual review step.
Arrears down. Compliance up.
Performance-based pricing means you pay only when arrears are actually recovered.
Built for utilities balancing recovery against the reality of a captive customer base.
Utility billing directors, customer-accounts leaders, and compliance officers who need arrears recovery that holds up under public utility commission scrutiny while still recovering revenue at scale.
Utility
questions.
Yes. The Strategy Builder is configured per jurisdiction, encoding winter shutoff bans, protected-class rules, and hardship-program eligibility directly into the workflow.
Live Sentiment Analysis reads hardship cues across every interaction and flags accounts for protected handling in real time, rather than relying on a customer to proactively disclose their situation.
Yes. Autopilot is built specifically for high-volume, low-complexity accounts, the exact profile of most utility arrears, without requiring individual agent attention on every account.
Every contact attempt, hardship flag, and disconnection-eligibility decision is timestamped and exportable automatically, turning review prep into a query instead of a manual reconstruction.
Yes. Affordability-Based Flexible Payment Plans are structured around what a household can actually sustain, including seasonal heating- and cooling-driven balance increases.
Performance-based pricing with no upfront cost, you pay only on successful recovery.
See what regulation-first arrears recovery looks like on your own portfolio.
Your first 10,000 accounts free, live, with no upfront cost and no payment unless balances are recovered.