For ServicersCollections Agent
Collections Agent
Contact, arrangements and promise-to-pay on early-stage delinquency, under FDCPA, Reg F and TCPA.
Every delinquent borrower reached at the hours the rules allow, inside Regulation F’s seven-calls-in-seven-days limit — and a hardship captured the moment it is mentioned.
Every delinquent borrower reached at the hours the rules allow, inside Regulation F’s seven-calls-in-seven-days limit — and a hardship captured the moment it is mentioned.
What it displaces
What it does
- 01
Reaches every delinquent borrower rather than the top of a list, at the hours the rules allow
- 02
Respects Regulation F — the seven-in-seven call frequency limit and the limited-content message
- 03
Takes the arrangement and the promise-to-pay, and follows up on the one that was missed
- 04
Captures a hardship the moment a borrower mentions one, rather than routing them to call back
What it leaves behind
- Call attempts, this seven days3 of 7§1006.14(b)
- Consent on file, mobileyesapp §1 · TCPA
- Limited-content message leftday 12§1006.2(j)
- Borrower named a hardshiphanded overday 19 · to loss mitigation
Human-in-the-loop
No guesswork. Exceptions routed to humans
A borrower in hardship, in bankruptcy, represented by counsel, or asking for a person is out of its remit — it stops and warm-transfers with the conversation so far attached.
What it runs on
1 of 3Borrower calls from the first web lead through servicing and payoff
- Speed-to-Lead
- LO Desk
- Servicing Line
The rest of the servicing side
All 8 servicing desks- 01Loan Boarding AgentCatches boarding defects before the first statement.
- 02Escrow ManagerUpstreamAnalysis, shortages, and the explanation that is borrower-friendly.
- 04Default Management DeskDownstreamSixty days and beyond, with the timelines held.
- 05Loss Mitigation AgentComplete packages, evaluated inside the Reg X clock.
- 06Claims AnalystThe claim package, read and reconciled for review.
- 07Payoffs ManagerQuotes, good-through dates and the release clock.
- 08Compliance ManagerAcross all of themEvery servicing call and letter scored.
You Ain't Seen Nothin' Yet
- Any loan type, any agency guideline or custom investor overlays.
- Every finding cited to the guideline or document it came from