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VOICE

The AI voice agent made for collections teams

Built by a collector and tested on our own accounts, where customers kept twice as many payment promises as they did with human agents. Now ready for yours.
OVERVIEW

Better outcomes on every call

Built for in-house collections teams. Some customers would rather talk it through than click a link. Voice makes those calls for you, follows your rules on every one and hands over to a person when that's what the customer needs.

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    Collection results

    In our own testing, customers kept twice as many payment promises with Voice as they did with human agents. Voice gets each customer to a plan, a settlement or a person while they're on the call.

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    Team productivity

    Voice takes the routine outbound and inbound calls, so your collectors spend their time on the conversations that need a person.

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    Compliance by design

    A pre-dial check runs before every call, contact caps are built in and Voice stops dialling if a check can't run. Every call is recorded and transcribed.

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    Customer experience

    A natural, unhurried voice that tells customers up front it's a virtual assistant. When someone is in hardship, Voice stops the payment conversation and books a callback with a person.

WHY INDEBTED

Built by a collector, proven on our own accounts

We've spent 10 years collecting for banks, fintechs and utilities. Before offering Voice to clients, we put it to work on our own accounts in Australia, with our own team taking every hardship callback.

  • Proven on our own accounts

    Voice has been in pilot on our own accounts since mid-2026.

  • Your collections strategy

    Plans and settlements follow the same rules your collectors use, so every call stays consistent with your existing strategy.

  • People on the other end

    Customers in hardship get a callback from a trained team who can talk through their options.
A collections specialist on a call at her desk, smiling, wearing a headset
SEE IT IN ACTION

Watch Voice take a call

Follow one call from the first ring to the post-call review, then see how it changes when the customer wants to settle or needs support.

Illustrative call with generated voices.
THE CALL

Every call starts the right way

  • Voice tells customers it's a virtual assistant, lets them know the call may be recorded and confirms who they are before it mentions the account.
    • Identity checked using the same verification rules as your collectors, before any account details are disclosed
    • A natural, unhurried voice that customers are comfortable talking to
    • Outbound calls, and inbound calls when customers ring back
OUTCOMES

Plans and settlements, sorted on the call

  • Voice works within the limits you set, using the same plan and settlement rules as your collectors, so it stays consistent with your existing collections strategy. When a customer is ready, it texts a secure link and guides them through the portal while they're still on the line.
    • Instalment plans that fit the customer's budget
    • Settlement offers within your discount limits
    • Secure payment link by SMS, sent mid-call
    • Every promise to pay logged on the call record
CARE

Knows when to hand over

  • When a customer says they're doing it tough, Voice acknowledges it, stops the payment conversation and schedules a callback with a person. A summary of the call is added to the account notes afterwards.
    • Scheduled callback with a person for hardship calls
    • A call summary added to the account notes, ready for the callback
    • Escalations flagged on every call, including hardship, vulnerability, disputes and requests to stop contact
TRY IT

Take a call with Voice

Step through a call and choose how the customer responds. See how Voice handles a plan, a settlement and a hardship conversation.

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FOR YOUR TEAM

What Voice brings to each team

From the collections floor to IT and procurement, here's what Voice means for the people who choose it.

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    Collections managers

    Reach more customers by phone, lift your kept-promise rate and see the outcome of every call in one console.

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    IT leaders

    Enterprise telephony, backed by ISO 27001 and SOC 2. Accounts load automatically from secure cloud storage, or your team can upload them in the Voice console.

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    Procurement

    Start with a pilot on part of your portfolio and measure Voice against your own team. Every call is recorded, so results can be checked call by call.

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    Risk and compliance

    Voice follows your rules on every call, then records, transcribes and summarises it, ready for review.

GUARDRAILS

Compliance by design

Voice follows the calling rules for each market and keeps a full record of every conversation.

  • Local calling hours

    Calls only within permitted hours, with public holidays off.

  • Contact caps

    Daily, weekly and monthly contact limits, in line with the ACCC and ASIC guideline.

  • A check before every call

    Every call is checked against your rules first. If a check can't run, dialling stops.

  • A full record

    Every call recorded, transcribed and analysed, with outcomes and escalations flagged.
FAQ

Questions about Voice

Voice is InDebted's AI voice agent for collections. It calls customers, verifies who they are and helps them to a plan, a settlement or a person, all within your rules.

In-house collections teams that want an AI voice agent working alongside their collectors. Existing InDebted clients can also use Voice with Collect.

In our own testing on InDebted's accounts, customers kept twice as many payment promises with Voice as they did with human agents.

Yes. Voice tells every customer it's a virtual assistant at the start of the call, and that the call may be recorded.

Voice stops the payment conversation and schedules a callback with a person who can talk through the customer's options. A summary of the call is added to the account notes.

Only within permitted local hours, with public holidays off. Contact caps limit how often each customer is called.

Yes. Voice records, transcribes and summarises every call, and the console shows the outcome and any escalation.

Account files can be dropped into a secure cloud storage bucket, and Voice imports them automatically. Your team can also upload files in the Voice console.

Voice runs on enterprise telephony, and InDebted is ISO 27001 certified and SOC 2 and PCI compliant.

Available in Australia, the UAE, Canada, the US, the UK, Mexico and New Zealand, for outbound and inbound calls.

Hear what Voice can do for your portfolio
Start with a pilot on part of your portfolio and compare Voice with your team.
Pilot Voice on your portfolio
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