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AI for Collections · Third-Party Agencies & ARM Firms

It takes three years to build a good collector. You do not have three years.

Scored practice before the first live call, instant answers on any client's rules, and QA on every conversation instead of a sample.

Simulator scorecardHardship, disability disclosure
78
Client threshold 92
Empathy on disclosure
Identification complete
Monitoring disclosure
Mini-Miranda delivered out of sequence
Discussed payment before confirming exempt income
Confirm the income is exempt before you discuss any payment, then restate the mini-Miranda in sequence.
SOC 2 Type II/SOC 3/CSA STAR/No AI here ever speaks to a consumer

On contingency, a seat that isn't collecting is a seat that's costing

10 to 20
Live conversations per rep, per day
3 years
To a strong collector, today

You get paid on what your reps recover. A seat in class, in nesting, or hesitating on a live call returns nothing.

Only part of a class becomes a producing collector. The others may leave within the first year.

The call that does connect gets handled by whoever is on the account, including the rep in week two.

Reps don't quit because collections is hard. They quit because nobody made them competent at it first.

Hire for talent, train for skill. That only works if training scales past your two best trainers.

See it score a call

Certify before the floor, not during nesting

Two calls that break new collectors, scored the way your QA team would score them.

Consumer · HardshipI lost my job and I'm on disability. I can't pay anything right now, what are my options?
Recording your answer
Feedback summary
Good empathy on the disability disclosure. You skipped confirming whether the income is exempt before discussing payment. Here's what you could have said instead...

Scored against your own criteria, every attempt, before the first live account.

Bring us your hardest call
The negotiation

Collections is a sale

You are asking someone to hand over money they owe and already decided not to pay.

Off the table: any claim about what paying will do to this consumer's credit.

The most persuasive argument for paying more is the one your rep is not allowed to make. It is the hardest judgment in the job and the part a script cannot teach.

Simulator drills the counteroffer against personas scored on willingness and capacity to pay.

Live transcript · settlement counteroffer
RepI can settle this today at sixty percent of the balance.
ConsumerI can't do that. I could maybe do two hundred.
Rep[needs to hold, counter, or restructure, live, on judgment]

Four products,
one knowledge base

Answers, practice, measurement, and language, all reading from the same source of truth.

Posh Simulator

Certify readiness instead of guessing at it.

Every attempt scored, before the first live account.

Simulator scorecardHardship, disability disclosure
78
Client threshold 92
Empathy on disclosure
Identification complete
Monitoring disclosure
Mini-Miranda delivered out of sequence
Discussed payment before confirming exempt income
Confirm the income is exempt before you discuss any payment, then restate the mini-Miranda in sequence.
Learn more
Knowledge Assistant

A settlement-authority question returns one client's answer, not an average of all of them.

Every answer sourced, logged, and version controlled.

MMeridian Recovery
Afternoon, Bri. How can I help you today?
How many payments can I spread this over, and what's the minimum monthly?
Which payment methods does this client accept?
Consumer says they filed bankruptcy. What do I need from them?
How do I code a promise to pay?
Ask Posh
Learn more
Posh CoachQA

Speech analytics tells you a phrase appeared.

CoachQA scores whether the sequence was right for that client.

CoachQA in action
Evaluating...
Agent: "Mr. Smith, this communication is from Meridian Recovery, a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose."
Your knowledge notes
Mini-Miranda
Objection Handling
Client Script
FDCPA Disclosure
Call Recording Notice
Identity Verification
Deep evaluation complete
Evaluated against four relevant Knowledge Notes |  Style and Substance analyzed
Learn more
Posh Translate

Interpreted calls scored on the same scorecard as English calls.

Live interpretation across 100+ languages, with full transcripts.

Hold to Speak (English)
"Hello, I'm calling from Meridian Recovery. May I please speak with Claudia Rose?"
English to Español
"Hola, le llamo de Meridian Recovery. ¿Podría hablar con Claudia Rose, por favor?"
🇪🇸🇺🇸🇧🇷🇻🇳🇨🇳🇭🇹
Load 100 more languages...
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Multi-client by design

Every client is a different rulebook

You don't run one collections operation. You run one per placement, worked by reps who touch three portfolios in a shift.

One client wants the balance before the mini-Miranda. Another wants it after. Your rep switches between them while a consumer talks over the top of them.

  • Knowledge Assistant per client, so a payment-terms question returns that client's answer
  • Simulator scenarios per client, drilled before the portfolio goes live
  • CoachQA scorecards per client and per portfolio

Agencies have abandoned simulation before because keeping scenarios current became a project nobody owned. Posh builds them from your script, your authority levels, and your scorecard, and one change updates all of it.

Ask us what it takes to add a new placement.

Bankcard issuerAuto lenderStudent loan servicer
Settlement authority60% of balance
Payment plansUp to 12 months
Required disclosuresClient script v4
QA scorecardIssuer scorecard A
Trust & security

Two audits, one record

Your compliance record has to satisfy your client's vendor oversight team and your regulator at once. Most agencies do that with a sample and a spreadsheet.

What has to land on every call
Who the rep isWho you areWho the client isThe balanceMini-MirandaMonitoring disclosure
The exact list and order come from your client and your state. They are not the same across your placements.

Miss one and, depending on your scorecard, the rep is in corrective action or the call is an automatic fail.

No AI here ever speaks to the consumer. Every product sits behind your reps, which makes this the shortest compliance review in the category.

SOC 2 Type IISOC 3CSA STARAI Trustworthy Pledge

Role-based access, audit logging, encryption in transit and at rest, continuous monitoring.

Explore the Trust Center

What you can hand to a client's vendor oversight team

  • Documentation on 100% of calls, not the handful a human had time to score
  • Disclosures checked for sequence, against the script in force that week
  • A missing mini-Miranda or an unhonored cease and desist, surfaced in hours instead of at deposition
  • Contact patterns visible across every rep, not inferred from a sample
  • Interpreted calls scored on the same scorecard as English calls

Bring us your hardest call

Send us one client's script and one scenario your reps keep failing. We'll build the drill and score it in front of you. Months to a performing rep, not three years.

Bring us your hardest call