Inbound debt collection
The inbound debt collection agent that answers
the moment they call to pay.
When a customer calls to pay, check a balance or set up a plan, Finn answers — instantly, 24/7, in their language. It verifies the account, moves the payment forward without ever touching card data, sets up arrangements within your rules, and warm-transfers anything sensitive — every call compliant and logged.
24/7 + after-hours FDCPA / TCPA-aware Every language
Outbound · Recovery
First-party reminders
Outbound · Negotiation
Payment plan negotiation
Outbound · Resolution
Settlement callbacks
Inbound · Intake
Hardship intake
Outbound · Recovery
First-party reminders
Outbound · Negotiation
Payment plan negotiation
Outbound · Resolution
Settlement callbacks
Inbound · Intake
Hardship intake
Capabilities
What your inbound collections agent does.
One agent that answers, verifies, takes the payment, sets up the plan and stays compliant — so no payment call waits in a queue.
Answers every inbound call
Picks up the moment a customer calls to pay — 24/7, no hold music, no queue. Most people call after work; Finn is there nights and weekends when your agents aren't.
Verifies and reads the balance
Confirms identity against your rules, then reads back the current balance, due date and account status in real time — no waiting for an agent to pull the file.
Moves the payment forward
Captures payment intent and sends a secure pay link or hands off to your PCI-compliant payment flow — full or partial. The agent never touches or stores card data.
Sets up payment plans
Offers installment arrangements within the rules you set, confirms the terms back to the customer, schedules the first payment and can enable autopay.
Handles disputes and hardship
Logs a dispute for validation, captures hardship details, and warm-transfers anything sensitive to a human agent with the full context attached.
Stays compliant on every call
Delivers the mini-Miranda, honors calling windows and cease-communication requests, keeps a consistent, pressure-free tone, and records every call.
Playbooks
Ready-to-deploy collections playbooks.
Import an inbound payment, plan-setup or dispute flow, set your rules and disclosures — live in minutes.
Inbound Payment Line
Meet Remy, a collections assistant. Remy answers when customers call in to pay, verifies the account, reads back the balance, and captures payment intent without ever touching card data.
Use this playbookPayment Plan Setup
Meet Priya, a payment-plan specialist. Priya helps customers who call in set up an installment arrangement within your rules, confirms the terms, and schedules the first payment.
Use this playbookBalance & Dispute Line
Meet Marcus, an account-support agent. Marcus answers balance questions, logs disputes for validation, surfaces hardship options, and warm-transfers sensitive cases to a human.
Use this playbook
OutboundPayment Reminder
Meet Casey, a polite AR assistant. Casey calls on outstanding invoices, confirms payment intent, and offers quick pay options without sounding heavy-handed.
Use this playbook
OutboundLoan Repayment Reminder
Meet Jordan, a loan servicing agent. Jordan reminds borrowers of upcoming or missed repayments and surfaces hardship options when needed.
Use this playbookHow it works
Answer, resolve, log — end to end.
Answer & verify
Picks up instantly and confirms who's calling.
No hold, no queue
Answers on the first ring, 24/7 — including after hours when most people call to pay.
Secure identity check
Verifies the caller against your rules before sharing any account detail.
Live account lookup
Pulls the balance, due date and status in real time so the conversation starts informed.
Resolve
Takes the payment or sets up the plan — right on the call.
Pay now, securely
Captures intent and sends a secure pay link or routes to your PCI-compliant flow — never handling card data itself.
Payment plans in your rules
Offers installment options, confirms terms, and books the first payment.
Answers the real question
Explains the balance, why it's owed, or logs a dispute — instead of a dead-end phone tree.
Log & escalate
Writes it all down and hands off cleanly.
Everything logged
The call, the outcome and the promise-to-pay sync straight to your collections system or CRM.
Warm human transfer
Routes hardship, disputes and complex negotiation to a live agent with full context.
Compliant by default
Mini-Miranda, call-recording disclosure and cease-communication handling on every call.
Teams running inbound payment lines on Finn.
Collections teams that capture more payments
Experience a smarter, more intuitive AI
solution that outperforms traditional IVR
systems.
indistinguishable from a human
conversation
Deliver natural, engaging conversations that
feel just like speaking with a real human.
to Human Agents
When needed, customers can smoothly connect to
live agents without frustration.
"Call abandonment down to 5% from ~30%. 75-80% of inbound calls fully handled by Finn. 24/7 AI coverage replaced 80+ offshore agents."
Shikha Chouksey
COO & Cofounder, Orbit Wallet
"Pillar Bridge scaled multilingual customer support — handling case details and payments in Hindi, Tamil, and Kannada with zero wait time and perfect empathy."
Rajesh Bangera
Founder, PBS
An inbound collections agent, not a phone tree
A legacy IVR makes a paying customer press through a menu and wait on hold. Finn is an inbound debt collection agent that understands why someone called — to pay, to ask what they owe, to set up a plan, to dispute a charge — and resolves it in a natural conversation. It keeps card data out of the agent entirely, holds a consistent, FDCPA-aware and non-harassing tone on every call, and hands hardship or disputes to a human with full context. Fewer abandoned payment calls, fewer compliance risks, and every interaction logged.
Inbound debt collection FAQ
What is inbound debt collection?
Inbound debt collection is when the customer calls you — to make a payment, ask what they owe, set up a payment plan, or dispute a balance — rather than a collector calling them. Finn's inbound agent answers those calls 24/7, verifies the account, resolves the reason for the call, and logs the outcome, so no payment call sits in a queue or goes to voicemail.
Can an AI take payments over the phone?
Finn moves the payment forward without ever touching card data: it verifies the account, confirms the amount, and either sends a secure pay link or hands the caller to your PCI-compliant payment flow (secure IVR or processor). That keeps card data out of the agent entirely while still letting the customer pay in the same call.
Is it FDCPA and TCPA compliant?
Finn is built to operate inside your compliance rules. On inbound calls it delivers the mini-Miranda disclosure, gives the call-recording notice, honors cease-communication and calling-window rules, and keeps a consistent, non-harassing tone on every call. Compliance ultimately depends on how you configure and deploy it — Finn gives you the controls and the audit trail to stay within FDCPA, TCPA and, in India, RBI and TRAI guidance.
Can it set up payment plans?
Yes. Finn offers installment arrangements within the rules you define — minimum amounts, allowed terms, down payments — confirms the terms back to the customer, schedules the first payment, and can set up autopay. Anything outside the rules is routed to a human.
What happens with disputes or hardship?
Finn captures the details, logs a dispute for validation, and surfaces the hardship options you allow. Sensitive or complex cases are warm-transferred to a live agent with the full conversation and account context attached, so the customer doesn't have to start over.
Does it work after hours and in other languages?
Yes — Finn answers 24/7, which matters because most customers call to pay outside business hours, and handles overflow and spikes around statement dates. It speaks multiple languages out of the box, including India-first languages, so callers are served in the language they're comfortable with.
Stop sending payment calls to voicemail.
Book a 30-minute demo and hear Finn answer a payment call, take the payment and set up a plan — live and compliant.