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Focus Areas

AI Debt Collections, Working at Full Potential

Collections automation that adapts its scripts, disclosures and payment options to each debt type.

Property, Renters, Storage Buildings

Parking, Speeding Tickets

Property Tax, Income Tax (IRS)

Healthcare Collections

Credit Card Debt

Unpaid Phone Bills

Student Loans, Utility Bills, Tuition for School

First-Party Creditors

Collect early without losing the customer

Reach customers in the first days past due with friendly, on-brand automated payment reminders by voice and digital channels. LEXI offers payment plans and takes PCI DSS-compliant payments in the same conversation. Hardship or dispute cases go to your team with full context.

Collection Agencies

More right-party contacts, every call within Reg F

AI agents verify identity, deliver the mini-Miranda, and secure promises-to-pay at scale. Built-in call-frequency and calling-window rules keep every attempt compliant. Your collectors spend their time on accounts that need negotiation.

Debt Buyers

Work every account in the portfolio, not just the top tier

Low-balance and aged accounts rarely justify a collector's time, so they sit untouched. Floatbot works them automatically with settlement offers and self-serve payment links. That lifts liquidation across the whole portfolio, not just the best accounts.

Law Firms

Free attorney time from routine outreach

Automate pre-litigation notices, settlement conversations, and payment follow-ups with approved scripts and required disclosures. Every interaction is recorded and audit-ready. Anything needing legal judgment is routed to your attorneys.

Collections BPOs

Run more client programs with the same team

Launch client-specific scripts and workflows from a pre-built collections template without hiring for every new program. AI agents handle routine volume, and Real-time Assist supports your agents on complex calls. Cost-to-collect drops while client SLAs hold.

Experience zone

Try It for Yourself

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    End-to-End Automated Collections

    LEXI, the AI Collections Agent

    LEXI Collections AI Agent

    LEXI

    Debt Recovery, Customer Support, Team Enablement AI Agent

    Drive Stronger Financial Outcomes

    Unlock Superior Business Outcomes

    Improve Revenue Metrics, Reduce Churn, Boost Efficiency, Transform CX with Advanced AI Agents
    On-Demand Real-Time Guidance

    Desktop AI Assistant for Collectors & Agents

    Clear the desk of admin. Clear the way for resolutions. Enable recovery professionals to focus only on debtor relationships and ethical, brand-safe collection practices.
    ACTIVE LIVE LISTENING

    ACTIVE LIVE LISTENING

    Listens to Live Calls

    Runs quietly in the background on your desktop, capturing live conversations without requiring active collector trigger inputs.

    SPEECH TRANSCRIPTION

    SPEECH TRANSCRIPTION

    Provides Real-Time Transcripts

    Generates and displays dynamic, multi-turn call transcripts in real-time, eliminating manual notation work during or after highly critical debtor discussions.

    CONVERSATIONAL PROMPTS

    CONVERSATIONAL PROMPTS

    Suggests Next Actions

    Prompts optimal payment pathways, settlement options, and logical negotiation steps dynamically on-screen as the conversation progresses.

    KNOWLEDGE CO-PILOT

    KNOWLEDGE CO-PILOT

    Answers Complex FAQs

    Directly references internal policies, regulatory parameters, and organizational databases to answer complex process questions on the fly.

    SENTIMENT TRACKING

    SENTIMENT TRACKING

    Performs Sentiment Analysis

    Continuously tracks voice stress levels, emotional undertones, and cadence shifts, alerting collectors with proactive, empathetic pacing tips.

    PROCEDURAL GUARDRAILS

    PROCEDURAL GUARDRAILS

    Displays Smart Checklists

    Surfaces regional compliance mandates, disclosure statements, and state-specific checklists that update dynamically based on the debtor's profile.

    POST-CALL LOGISTICS

    POST-CALL LOGISTICS

    Automatically Generates Post-Call Summaries

    Compiles comprehensive wrap-up summaries, registers payment arrangements, and logs correct disposition entries at the exact moment the session concludes.

    IN-CALL FLAGGING

    IN-CALL FLAGGING

    Monitors & Ensures Compliance

    Instantly highlights unapproved or inappropriate phrases spoken by the agent, alerting them on divergence from SOPs to remain safe.

    EYE-STRAIN SHIELD

    EYE-STRAIN SHIELD

    Dark Mode

    A low-fatigue, premium dark visual theme engineered to decrease collector or agent visual strain over long shifts.

    DUAL INTERFACE

    DUAL INTERFACE

    Minimal Overlay

    Switch instantly between Full Mode for comprehensive account access and Focus Mode - a sleek, header-only minimal overlay that removes desktop clutter.

    COLLABORATION

    COLLABORATION

    Universal Meeting Copilot

    Connects seamlessly as a single assistant across Zoom, Microsoft Teams, Google Meet, and others.

    GLOBAL ENGAGEMENT

    GLOBAL ENGAGEMENT

    Multilingual Support

    Provides instant real-time translation across 150+ global languages and cultural variations.

    AI Debt Collection Demos

    Watch How LEXI Transforms Collections

    Play

    Real-Time Agent Assist | Collections | Genesys

    testimonials

    Hear What Our Clients Say

    Brandy Jones

    Brandy Jones

    Vice President | Operations

    Capital Recovery Corporation

    “Floatbot has been a great experience for us! We highly recommend them to anyone on the fence about using AI bots to improve efficiency and performance in their agency.
    We came in with a pretty ambitious setup, voice and chat bots, collections workflows, compliance guardrails, integrations with TCN and ACE, and to their credit, they didn’t flinch. They’ve been in it with us, problem-solving in real time, adjusting, iterating, and sometimes learning right alongside us.
    Biggest win so far: flexibility, which matters when you’re dealing with HIPAA, right-party contact, and the reality of collections workflows.
    Floatbot isn’t just a vendor for us. They’ve been more like a build partner. If you know what you’re trying to accomplish (and you’re ready to put in the work on your side too), they’ll meet you there. ”
    Stacy Stein

    Stacy Stein

    Managing Attorney

    Mountain Peak Law Group, PC

    “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!”
    Mike Pittman

    Mike Pittman

    Carter Business Service

    “Floatbot AI has added a new tool for our company to be more productive and profitable.”
    Greg Johnson

    Greg Johnson

    Chief Technology Officer

    InterProse

    “My experience interacting with LEXI was really good, she was empathetic and fully compliant. You've got all these low –balance accounts, out-of-state 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”
    Andy Day

    Andy Day

    VP Product

    Broadband Dynamics, 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 Mata

    Andy Mata

    Senior Vice President

    Tricolor Auto Group, LLC

    “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”
    Sreemoyee Das

    Sreemoyee Das

    Manager

    I.T. Department

    “We've been using Floatbot platform since 2022. We started with a basic chat AI Agent, and now we're integrating GenAI to further enhance our customer interactions. We're also in the process of incorporating Floatbot’s Voice AI Agent into our call center, which will help our agents work even better. Overall, our experience with Floatbot has been amazing, and we look forward to enhance our customer experience together!”
    Rinoo Rajesh

    Rinoo Rajesh

    Digital Leader

    Conneqt Business Solutions

    “As one of the senior leaders of our service provider organization, I am pleased to share how Floatbot's conversational AI products have transformed our ability to provide exceptional solutions to our customers. By leveraging their platform abilities, we have been able to seamlessly manage end-user interactions across multiple channels including phone, IVR, web chat, WhatsApp, and more.”
    Ben Fagin

    Ben Fagin

    Chief Financial Officer

    National Credit Management

    “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.”
    Sandeep V

    Sandeep V

    VP Digital Transformation Large BPO organization

    NYSE listed BPO organisation

    “I have worked closely with the Floatbot team on deploying agent-assist. Floatbot platform exceeded my expectation in identifying the right knowledge article based on the provided inputs. Floatbot team was very responsive and fast in adopting new ideas, which is critical for any innovation-led transformation project.
    We were able to implement the solution 70% faster than other similar solutions I have worked with. In our deployment, we saw a significant improvement in the speed of accessing the correct answers by the users, thereby improving the efficiency and customer satisfaction. With Floatbot, we will be able to push the same agent-assist bot to a customer-facing Chatbot or Voicebot for self-serve, reducing our effort by 60% for future self-serve deployments.”
    Pre-Integrations

    Readily Connects with Tech Stack

    ringcentral
    genesys
    five9
    Avaya
    Cisco
    NICE-CXone
    TCN
    DAKCS
    Mapes-LLC
    BBD
    paynearme
    paynseconds
    payscout
    nuvei
    Payment vision
    Repay
    Designed to Outperform

    Experience the Floatbot Advantage

    1

    Built Better

    Deeper tech, built with 500K lines of code. FloatGPT, proprietary LLM delivers enterprise-grade performance with zero hallucinations.

    2

    Private, Compliant, Blazing Fast AI

    Private by design and low latency by build. Trained on narrow models to ensure full control and regulatory compliance.

    3

    Every Channel, Every Format

    Go truly multimodal with support for voice, chat, email, SMS, images, documents, and spreadsheets.

    4

    AI Collections, Ready to Go

    Deploy a pre-trained automated debt collection agent for healthcare, law firms and finance, pre-integrated for fast value.

    5

    Goal-Driven Analytics

    Scalable insights, cross-platform integrations, and outcome-focused reports.

    6

    One Platform, All your Needs

    Full AI workflow - from first contact to closure with a single vendor that scales as you grow.

    FAQs

    Is AI in debt collection legal?

    Yes, AI is legal in debt collection — it must follow the same rules a human collector would under whichever country's law applies. In the U.S. that means the FDCPA, TCPA, and Regulation F; in the EU and UK, it means GDPR-level data protection plus consumer credit and financial conduct rules (e.g., FCA guidance in the UK).

    What makes AI compliant anywhere: consent tracking, human escalation paths, audit trails, and following local data-protection and disclosure rules.

    How does AI debt collection work?

    AI debt collection uses conversational AI, machine learning, and workflow automation to engage customers across voice, chat, SMS, email, and other digital channels. AI can answer account questions, send payment reminders, negotiate payment plans within predefined rules, process payments, update customer information, and route complex cases to human agents.

    Does AI actually improve recovery rates / is it effective?

    Yes, when AI is implemented effectively, it can improve recovery rates by increasing customer engagement, personalized outreach, and providing support across multiple communication channels. AI also reduces response times, automates follow-ups, and ensures consistent communication, helping more customers resolve their accounts. While results vary by organization, many businesses also see improvements in agent productivity, operational efficiency, and customer satisfaction.

    How much does AI reduce the cost to collect?

    AI automation has been reported to cut collections operating costs by roughly upto 75%, mainly by automating repetitive tasks — manual processes alone are estimated to consume about 30% of a collections team's time.

    Savings compound further since AI operates 24/7 across channels without added headcount.

    Will AI replace human debt collectors?

    No — AI automates repetitive, rule-based tasks, and routine interactions such as automated payment reminders, account inquiries, and payment processing, while human agents continue to handle complex negotiations, dispute resolution, hardship cases, and high-value customer conversations.

    Is AI debt collection compliant with FDCPA, TCPA, and Reg F (and CFPB rules)?

    AI debt collection platforms are designed to support compliance with regulations such as the Consumer Financial Protection Bureau's Regulation F, the Fair Debt Collection Practices Act (FDCPA), and the Telephone Consumer Protection Act (TCPA) by enforcing communication rules, maintaining audit logs, respecting contact preferences, and applying predefined business policies. However, compliance depends on how the AI solution is configured and governed by the organization. Businesses should work with legal and compliance teams to ensure their implementation aligns with applicable federal, state, and local regulations.

    What's the difference between automated collections and a dialer?

    A dialer only places calls and connects them to a live collector, who still has to verify identity, deliver disclosures and take payment. Automated collections handles the full conversation with an AI agent like LEXI. It confirms right-party contact, offers payment plans, captures promise-to-pay and processes payments across voice, SMS, chat and email, 24/7. Complex cases go to your collectors with full context, and LEXI is pre-integrated with dialers like TCN, so the two work together.