FDCPA compliant AI that makes collection calls at scale
isLucid's AI debt collection agent makes compliant outbound calls at scale, negotiates payment plans, and processes payments — all while following FDCPA and TCPA regulations. 70% lower cost than traditional collection agencies.
| Metric | Traditional Agency | isLucid AI |
|---|---|---|
| Cost per contact | $5-$15 | $0.50-$1.00 |
| Compliance | Manual training | Built-in guardrails |
| Contact attempts/day | 50-80 per agent | 5,000+ |
| Tone consistency | Variable by agent | Always professional |
| Payment processing | Separate system | Integrated |
Every call follows FDCPA, TCPA, and state-specific regulations with built-in compliance guardrails.
AI negotiates payment plans based on your predefined parameters — professionally and consistently.
Accept payments during the call with PCI-compliant payment processing — no separate step needed.
Integrate with skip tracing services to find updated contact information for hard-to-reach debtors.
Import your debt portfolio with account details, balances, and any special handling instructions.
Set calling windows, disclosure scripts, payment plan parameters, and escalation triggers.
AI starts making compliant collection calls, negotiating payments, and processing transactions.
$0.10–$0.125 per minute. Collect at 70% lower cost with 25% higher contact rates than traditional agencies.
Yes. isLucid's AI follows all FDCPA requirements including proper identification, mini-Miranda disclosures, cease-and-desist compliance, and prohibited practices restrictions. Compliance guardrails are built into every call script.
Yes. You set the parameters (minimum payment, maximum terms, settlement authority) and the AI negotiates within those bounds. It can offer income-based plans, suggest split payments, and handle hardship situations professionally.
When a debtor disputes the debt, the AI follows FDCPA dispute handling procedures: acknowledges the dispute, stops collection activity on that debt, and flags it for your compliance team to send verification documentation.
isLucid's compliance engine includes state-specific calling regulations, licensing requirements, and disclosure rules. The AI automatically adjusts its script and behavior based on the debtor's location.
Yes. The AI can accept credit/debit card payments and initiate ACH transfers during the call using PCI DSS compliant payment processing. Debtors receive instant confirmation via email or SMS.