Autonomous collections for lenders and agencies
Unlock more recovery from your portfolio.
Make low-balance accounts worth working. OpenDebt runs your approved strategies across calls, texts and email, from first contact to payment, with your team in control.
No collections, no fee. No setup fee.
Active in Australia and the United StatesExplore local controls
“The longest I can set a plan up for is six months, so $65 a fortnight is as low as I can go — or $50 a week if that sits better with your pay.”
Transcript
Agent Thanks, that's everything verified. So the arrangement on the account slipped a couple of weeks back, and there's $850 owing. Are you in a spot to sort something out today?
Customer Not really. My money's really tight, I don't think I can do the whole thing.
Agent That's alright, we can break it into smaller chunks. When do you usually get paid?
Customer I normally get paid every fortnight — Thursday.
Agent Right, so this Thursday coming up?
Customer It's actually next week.
Agent No worries, so a fortnight from now. How much could you put towards it this week, even if it's just something small?
Customer Yeah, it's really tight at the moment. Maybe $50?
Agent Yep, $50 this week works. So that's $50 today, then $100 a fortnight starting next Thursday. That'll clear it in about four months — sound fair?
Customer That's too much. Can we do smaller amounts?
Agent The longest I can set a plan up for is six months, so $65 a fortnight is as low as I can go — or $50 a week if that sits better with your pay.
Customer Let's go with $65 then.
Agent Good one. So that's $50 today, then $65 a fortnight starting next Thursday, all done in six months. I'll text you a secure payment link for the $50, and the full schedule will come through in writing. All sorted — take care.
In production in highly regulated industries, with publicly listed lenders and collection agencies.
The broken economics
Recoverable accounts are left untouched.
Thousands of low-balance accounts receive little outreach because the cost of a call can exceed what it recovers. The accounts fall through the cracks, and money stays on the table.
Human calls
The cost of each attempt limits which balances your collectors can work.
Email alone
Many accounts never reach a conversation or a payment decision.
Basic bots
Outreach can still cost more than a low-balance account returns.
Your portfolio, working end to end
Make the underworked book part of your recovery operation.
Lower-cost AI voice makes these accounts worth revisiting. You approve the audience, channel sequence, offer terms and contact rules. OpenDebt runs eligible steps across voice, SMS and email, then records the result.
Watch two approved strategies handle different accounts, then see the outcomes and exceptions in your morning view. This previews the experience we are building.
See how autonomous collection worksThe accounts your team rarely calls.
Low balances and follow-ups wait when a human attempt costs too much.
Two accounts enter team-approved strategies. OpenDebt checks each contact, follows approved terms, records a payment plan on one account and pauses another for hardship review. The team sees both outcomes in its morning view.
Fits your operation
Keep the context with the account.
OpenDebt connects with the systems your team uses. Account context informs the conversation, and captured outcomes help the next person understand what has happened.
We agree the integrations, information shared and handoff process with you. When someone needs a person, the aim is to carry the relevant context across rather than make them start again.
How handoffs workOpenDebt
Your connected systems
Dialler & telephony
Calls placed inside the rules
Messaging
Digital options for customers
CRM
Account context in
System of record
Captured outcomes returned
Payments
Secure link sent, outcome written back
Data & enrichment
Approved account and contact data
Systems we’ve connected with
Dialers, contact-centre platforms and collection systems already in use by our clients.
- Amazon Connect
- 3CX
- VICIdial
- Collexus
A practical first step
Test the economics on one segment.
Start with accounts that rarely get a call. Measure what changes.
Find the gap
Choose a low-balance segment your team rarely calls.
Set the strategy
Approve channels, terms, contact rules and handoffs.
Measure the return
Compare recovered dollars and cost to collect with your baseline.
For collection teams
Frequently asked questions
The questions we work through before a pilot.
How do you charge?
No collections, no fee. There is no setup fee. We earn when you recover, so we sit on the same side of the table. We agree the fee and how collections are attributed before launch. An agreed payment plan is not counted as cash collected.
Can OpenDebt follow our terms and contact rules?
Your team chooses the segment, approves the treatment strategy and sets offer and handoff limits. Before each contact, OpenDebt checks the configured channel, timing, consent and frequency rules.
How do we review the AI’s calls?
Captured conversations can be checked against your scorecard, with evidence for your reviewers. We agree which calls need review and who acts on issues before a pilot starts.
What happens with hardship, disputes or callbacks?
We agree which situations stop the routine path, who receives the case and what context comes with it. The pilot tests the transfer and callback process with your team.
Will outcomes get back into our collection system?
We map account data and outcome updates with you before launch. The agreed integration determines which notes, plans, payments and tasks return to your system of record.
How will we measure recovery against cost?
Start with one defined segment and a baseline. Review recovery, cost to collect, call quality and human escalations together before deciding whether to expand.
See what your underworked book can return.
Bring one low-balance segment. We’ll map the strategy, contact rules and baseline for a supervised pilot.
Book an intro call