AI Debt Collection

Accelerate Debt Collection & Accounts Receivable Management with LEXI

Automate Debt Collections & Support, Co-pilot or Real-time Assist Collectors, CSR, Agents. Optimize ARM, reduce operational costs, get higher pay-back rates, and improve CSAT.

  • Fully-Compliant with
  • Reg F
  • FDCPA
  • TCPA
  • HIPAA
  • PCI-DSS
  • & others
LEXI
LEXI - Collections AI Agent
Powered by

Generative AI and LLMs

Hand-off to

Agents during Escalations 

Automate

Promise-to-Pay (PTP)

Automate

Inbound & Outbound Call or Text

Customizable

Collection Guidelines

Compliance

Regulatory Compliance Filters

Automate

Payment Negotiation & Disposition

Automate

Right-Party-Contact (RPC)

Magnify

Collector Effective Index (CEI) and Profit Per Account (PPA)

90%

Automation of Customer Support

Preferred by Leading Collections Agencies

chapman
collecttech
premier auto credit
carter
tutelary
Capital Recovery Corp
UCO Bank
Mountain Peak
Tricolor
F&B
WNS Global Services

Experience Zone

Voice AI Agent
Chat AI Agent
     
     
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    Stop Call
    Listening
    Enter your details to receive a live call
    Number is required
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    Email is required
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      Differentiators

    LEXI maximizes recovery rates and transforms customer support seamlessly

    Feature Traditional Collections Powered by LEXI
    Recovery rate 20–30% 60%+
    Call cost $5–10 per call 75%+ savings
    Compliance Manual checks Built-in, real-time
    Availability 9–5, limited coverage 24/7/365
    Language support English, limited 150+ languages
    Scaling Limited by staffing Make hundreds of calls simultaneously
      call

    Witness LEXI-Powered Debt Collection by Dialing

      Lending AI Hub

    Achieve New Levels of Efficiency in Loan Origination, Servicing & Collections  

    • AURA – Loan Origination AI Agent
      • Collects Loan Applications/Automates Loan Application Submission
      • Resolves Applicant Queries
      • Checks Applicant Eligibility
      • Reduces Errors
    • LEXI – Loan Servicing & Collections AI Agent
      • Automates Loan Servicing & Collections
      • Automates Payments
      • Reduces Delinquency
      • 24/7 Multi-Lingual Support
      • Ensures 100% Compliance
      GenAI-Powered ROI's

    Achieve Higher ROIs

    savings on call cost
    75%

    Savings on call costs due to automated processes & reduced operating expenses

    Reduction in AHT
    70%

    Reduction in AHT, combined with increased agent productivity & streamlined customer interactions

    roi-1
    45%

    Surge in Collector Productivity with Automated Debt Management

    roi-2
    60%

    Boost in Collection Rates through Strategic Automation

    roi-3
    40%

    Reduction in errors related to compliance and data entry

    roi-4
    50%

    Improvement in collection rates through timely and personalized communication

      testimonials

    Hear what our clients say

    "My experience interacting with LEXI was really good, she was empathetic and fully compliant. You've got all these low –balance accounts, out-of-stat debts that are really hard to work. This is perfect solution for that because it doesn't involve agents. You reduce your costs, and it's compliant too. It just makes sense- absolute sense"

    Greg

    Greg Johnson

    Chief Technology Officer

    InterProse

    Play the Video

    “Floatbot’s compliance-first approach and fast response time have made a noticeable impact within just a few days of implementation. The team is highly proactive, promptly acting on feedback to meet our needs!”

    Stacy

    Stacy Stein

    Managing Attorney

    Mountain Peak Law Group, PC

    "Floatbot team did a phenomenal job understanding our requirements and helping us launch our Voice AI Agent. Now, we are looking to widen the scope of our AI Agent to facilitate other services, including PTP (Promise to Pay). Our partnership with Floatbot has been great so far. We are also experimenting with WhatsApp, SMS, and Web AI Agents to help us reach a large number of our consumers. Floatbot has one of the best analytics capabilities we've seen among vendors so far. We are excited to continue expanding our AI journey with Floatbot"

    Andy

    Andy Mata

    Senior Vice President of Loan Servicing

    Tricolor Auto Group, LLC

    "We collaborated with Floatbot to implement an AI solution for a Collection Agency customer. We worked together to develop a smart AI agent that helps make our customer more profitable by reducing costs. The Floatbot team has been very supportive, ensuring all requirements are addressed and timelines are met. Their platform is excellent, and we feel confident recommending the solution to our customers"

    Andy

    Andy Day

    VP Product

    Broadband Dynamics, LLC

    "I’ve had the opportunity to explore many AI companies, and I can confidently say that Floatbot stands out as the most technologically impressive among them. I’m genuinely excited about the opportunity to collaborate with them in the future."

    Ben

    Ben Fagin

    Chief Financial Officer

    National Credit Management

    Play the Video
      Events Rewind

    Highlights from Collections Events

    ACA 2025

    ACA International Convention 2025

    ARMTech 2025

    ARMTech 2025

    floatbot rmai2025

    RMAi 2025

    ArmTech-2024

    ARMTech 2024

    InsurtechNY Demo Day

    RMAi 2024

    ACA International 2024

    ACA International Convention 2024

    Auto Finance Summit 2024

    Auto Finance Summit 2024

      Domains

    We Serve

    First Party Creditors
    Buy Now, Pay Later (BNPL)
    Banks and Financial Institutions
    Debt Collections Agencies
    Debt Collections Law Firms
    Medical Collections
      Powerful Features

    Cutting-Edge Capabilities for Seamless Customer Engagement and Collections

    1/19

    Multi-Lingual & Multi-Modal

    Talk to your customers in the language of their choice. LEXI supports English, French, Spanish, Italian, Chinese, and Hindi while our Chatbot supports 150+ languages. LEXI understands, adapts, excels across all channels – voice, chat, text, emails.

    2/19

    Self-Service Chat & Voice AI Agents

    LEXI serves as a self-service Chat & Voice AI Agent. It empowers customers to resolve issues independently. Handles high volumes of customer interactions and is available 24/7. LEXI ensures that customers never wait for assistance and handles queries with precision & efficiency.

    3/19

    Empower Collectors & Agents with Real-Time AI Agent Assist

    LEXI maximizes collector efficiency as a co-pilot, including conversational AI workflows, nudges, decision trees, sentiment analysis, and knowledgebase optimization powered by RAG cognitive search. It enables automated call summarization and ensures compliance with Auto QC & QA checklists that flags unprofessional agent behaviors.

    4/19

    Human-Like

    Engage in lifelike conversations with your customers. LEXI is proficient in understanding the context, intent, and sentiments of each interaction.

    5/19

    Friendly

    Customers frequently express concerns about the tone and demeanor of human agents with automated debt collection. LEXI is designed to communicate politely and respectfully, ensuring customers are not offended.

    6/19

    LLM-Powered Bot Interruptions

    LEXI handles interruptions from customers without getting confused or providing incorrect responses in debt collection automation. It recognizes background noises, sudden questions, and abrupt changes in the conversational flow without losing context.

    7/19

    Continuous Learning

    LEXI learns and adapts over time, ensuring that it becomes increasingly effective as it processes more data.

    8/19

    Scalable

    With LEXI, you can efficiently make hundreds of collection calls simultaneously. In the event of growing collections volume, it can accommodate accordingly.

    9/19

    Human-in-Loop

    LEXI handles routine queries for quick issue resolution. When more complex or nuanced assistance is required, the call is transferred to a human agent.

    10/19

    Omni-Channel, Unified Voice AI and Text AI

    Connect with your customers across various digital and text-based channels like SMS, Messenger, Telegram, and WhatsApp with ARM debt collection. Additionally, the bots are available on voice channels such as calls and website or app integration with our Voicebot.

    11/19

    Seamless Integration with Payment Portals

    Elevate your collections process with Floatbot.AI's seamless integration with leading payment portals, ensuring a frictionless and secure experience for both your business and customers.

    12/19

    Pre-integration with Collections Core Applications

    Streamline your collections workflow effortlessly as Floatbot.AI comes pre-integrated with essential collections core applications, enhancing operational efficiency and enabling a more cohesive debt recovery process.

    13/19

    Pre-Integrated with Popular Telephony and Contact Center Platforms

    Experience enhanced communication and customer engagement in collections with Floatbot.AI's pre-integration with popular telephony and contact center platforms, empowering your team with a robust and interconnected system for effective debt management.

    14/19

    Rich Media Integration

    Enhance chat experience with rich media, such as images, videos, and interactive elements, creating a more engaging and informative customer experience.

    15/19

    Template Library

    Access a comprehensive template library for common debt collection scenarios, simplifying the bot creation process even further.

    16/19

    Cross-Channel Handoff

    Seamlessly transition conversations between channels, allowing customers to switch from a messaging app to a voice call without losing context.

    17/19

    Real-Time Synchronization

    Ensure real-time synchronization of data across all channels, providing a unified and up-to-date view of customer interactions for improved decision-making

    18/19

    Sentiment Analysis

    Utilize sentiment analysis to gauge customer sentiment, allowing the LEXI to adapt its tone and approach for more empathetic conversations.

    19/19

    Inbound Call or Text Automation & Outbound Call or Text Campaign Automation

    Streamline incoming queries & support with intelligent inbound automation. Drive proactive outreach and engagement via automated outbound campaigns.

      how it works

    How the LEXI-Powered Debt Collection Process Works

    how-it-works-1

    Initiation of Call

    LEXI initiates the call to the debtor's phone number. It utilizes automated dialing to reach the person.

    how-it-works-2

    Confirmation of Right-Party Contact

    It verifies if the contacted person is the debtor (right-party contact).

    how-it-works-3

    Authentication Process

    To authenticate the person, LEXI will request and verify personal information such as Social Security Number (SSN), Date of Birth (DOB), or zip code.

    how-it-works-4

    Engagement with the Debtor

    Once authenticated, LEXI engages with the debtor in a conversation. It can provide information about the outstanding debt, payment options, and any relevant details.

    how-it-works-5

    Payment Offer

    It offers the debtor various ways to pay off their debt. This could include one-time payments, setting up recurring payments, or exploring other suitable options.

    how-it-works-6

    Negotiation of Payment Plan

    If needed, LEXI can negotiate a personalized payment plan based on the debtor's financial situation. It analyzes the debtor's responses and offers flexibility within preset parameters.

    how-it-works-7

    Transfer to Live Agent (if necessary)

    For more complex queries, LEXI will transfer the call to a live agent. The live agent is briefed on the details via a widget on agent portal. This way, the agent has access to past conversations and can seamlessly continue.

    how-it-works-8

    AI Agent Assist

    Help agents through step-by-step processes, ensuring informed decisions at every stage of customer support. Intelligent prioritization, real-time nudges, decision trees, cognitive search, etc. enables AI Agent Assist to reduce the AHT of the collectors by 70%.

      Demo

    Watch How LEXI Transforms Collections

    Play

    Catastrophe-Ready AI Agent LISA Automates FNOL via SMS

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    Automate Claims FNOL with GenAI Powered Chat AI Agent

    Play

    Automate Healthcare Collections with Voice AI Agent

    Play

    Automate Debt Collections with Voice AI Agent Powered by LEXI
      client case study

    Tricolor Auto

    Check how Tricolor Auto - one of the tech-driven financial services automates collections through Voice AI.

    Know more

    Mountain Peak

    Discover how Mountain Peak enhances collections with AI-driven automation.

    Know more
      Pre-Integrations

    Instant Integration with Major Contact Centers & Partners

    ringcentral
    genesys
    five9
    Avaya
    Cisco
    NICE-CXone
    TCN
    vicidial
    DAKCS
    Mapes-LLC
    BBD
      Spotlights

    Our Associations

    RMAi
    ACA