VoiceOI places AI debt collection calls for collection agencies and recovery floors: payment reminders, follow-ups on broken promises to pay, and re-contact on accounts that went quiet. When a consumer is ready to talk, the bot transfers the live call to a human collector. Negotiation and payments stay with your people.
Bots suit the repetitive, high-volume calls on a collection floor. Conversations that need judgment go to people.
Remind consumers about a due or past-due balance in wording your compliance team approved, and offer a collector.
Call accounts that missed a promised payment and offer a collector to rework the arrangement.
Retry accounts that haven't answered, on the schedule and retry rules you set, inside each consumer's calling window.
Consumers who want to pay, set up a plan, dispute the debt or ask questions go to a collector on the live call.
Calling your own customers as the creditor? See AI payment reminder calls for first-party collections.
One path for every account, from the first dial to the logged outcome.
Upload a CSV list to the built-in dialer, or keep accounts in VICIdial, where bots work as remote agents. Filter by state, area code or zip.
Campaigns call only inside the windows you set for each consumer's timezone, using the retry rules you choose.
If a machine answers, the call ends and is logged as AM, and no voicemail message is left.
The bot asks for the consumer by name and branches on the answer. Script it to end the call without mentioning the debt if it's the wrong person.
A recorded line plays your approved disclosure word for word.
The bot delivers the reminder and asks whether the consumer wants to speak with a collector now. A spoken do-not-call request ends the call.
A yes becomes a live transfer over SIP to the collector your routing rules pick. Either way, the disposition, recording and transcript are saved.
How machines are spotted: answering machine detection for call centers.
Collection calls carry legal wording, such as the notice that the call is from a debt collector. Pick the bot type by how much the wording may vary.
Plays fixed, pre-recorded lines in the order your branching script sets, so each consumer hears the disclosure your compliance team approved.
An LLM-driven agent that works inside the persona, questions and rules you set. It suits calls where consumers ask questions; where wording must never change, choose a recorded-voice bot.
Build either type in the no-code AI voice agent builder and test every branch in the simulator first.
VoiceOI is calling software, not a compliance program. These duties belong to the collector.
The initial communication must say the caller is attempting to collect a debt and that information obtained will be used for that purpose. Later communications must disclose that they come from a debt collector.
Regulation F presumes a collector is harassing if it places more than seven calls within seven consecutive days about a particular debt, or calls within seven consecutive days after a phone conversation about that debt.
Unless the collector knows otherwise, a time before 8 a.m. or after 9 p.m. at the consumer's location is inconvenient.
A collector may communicate about the debt with only a short list of people besides the consumer, which is why the right-party check comes first.
Since the FCC's February 2024 ruling, AI-generated voices count as artificial voices under the TCPA. Telemarketing calls with one need prior express written consent, and TCPA consent rules reach collection calls too.
Source: CFPB Regulation F, 12 CFR 1006.14 (call frequency), 1006.6 (call times, third parties) and 1006.18 (disclosures), reviewed October 2026. Paraphrased and not exhaustive.
Your counsel decides how these rules and your state's collection laws apply to your portfolio; this page is not legal advice. Here is how VoiceOI's controls line up against those duties:
| VoiceOI control | What it does | What stays with your agency |
|---|---|---|
| Calling windows by timezone | Dials only inside the hours you set for each consumer's timezone | Choosing hours that meet federal and state rules |
| Retry rules | Retries accounts on the schedule you configure | Keeping attempts inside Regulation F's call-frequency presumption and any state limits |
| Recorded-voice disclosures | Plays your approved lines exactly as recorded | Writing and approving the disclosure wording |
| Right-party branching | Branches the script on the identity answer | Deciding what may be said before identity is confirmed |
| Spoken do-not-call handling | Ends the call when the consumer asks not to be called | Honoring the request across your systems and channels |
| Optional AI-voice disclosure | Plays your AI-voice disclosure at the start of the call | Obtaining and documenting the consent the TCPA requires |
| Answering machine detection | Ends the call on a machine and logs it as AM | Any voicemail strategy, since the bot leaves no messages |
| Recordings and transcripts | Makes recordings and transcripts available for review | QA review and record keeping under your own policies |
More detail: TCPA controls for AI voice calls and do-not-call controls.
The bot's job ends when a consumer is ready to talk. It transfers the live call over SIP to a collector chosen by your routing rules and leaves the call; it doesn't stay on the line to introduce the consumer. On the Good Fronter tiers, the collector also receives AI-written notes summarizing the call.
Collectors handle what a bot shouldn't: negotiating plans and settlements, taking payments in your own payment systems, disputes, hardship and vulnerable consumers. Read more about AI live transfer.
Yale School of Management reports on a study by James Choi, Dong Huang, Zhishu Yang and Qi Zhang covering about 22 million cases from April 2021 to December 2022. Repayments collected by AI callers in the first 30 days past due were 9% lower than those collected by human callers, and still 5% lower a year later. AI callers also drew fewer verbal promises to repay, and promises made to AI were broken more often. This is one study of older AI callers, not of VoiceOI. It is why VoiceOI hands the payment conversation to your collectors.
Source: Yale Insights, “Can AI Replace Human Debt Collectors?” (May 20, 2025), reviewed October 2026.
Bots log into your collection campaigns as VICIdial remote agents. Your lists, recycling rules and reports stay in VICIdial, and bot calls come back with a disposition.
VICIdial AI voice botNot on VICIdial? Run campaigns from the built-in dialer over Twilio, Telnyx or your own SIP carrier, added in the Carrier Manager.
SIP trunk for AI voice agentsCollection reminders are short scripts, so the lower fronter tiers often fit. Billing is prepaid per bot with no per-minute AI fee; your carrier bills the minutes.
| Fronter tier | Connection | List price | Questions | Includes |
|---|---|---|---|---|
| VICIdial Simple Fronter | VICIdial / Asterisk | $25 per bot / month | Max 3 Questions | Basic filtering, No Closer comments, Live Transfers, Connects to VICIdial / Asterisk |
| VICIdial Good Fronter | VICIdial / Asterisk | $35 per bot / month | Max 5 Questions | Verifies Age/Zip, Leaves comments for Closer, Live Transfers, Connects to VICIdial / Asterisk |
| SIP Simple Fronter | Hosted SIP | $45 per bot / month | Max 3 Questions | Basic filtering, No Closer comments, Live Transfers, Dedicated Switch |
| SIP Good Fronter | Hosted SIP | $55 per bot / month | Max 5 Questions | Verifies Age/Zip, Leaves comments for Closer, Live Transfers, Dedicated Switch |
Fronter bots, which hand calls to your collectors, list from $25 per bot per month. Collector notes come with the VICIdial Good Fronter and SIP Good Fronter tiers. The Pro LG tiers can export a row per call to Google Sheets, but LG tiers don't transfer calls. Volume discounts go up to 60%.
Current rates: VoiceOI per-bot pricing.
Plain answers on legality, handoffs and payments.
Collection calls that use AI voices are regulated. The TCPA treats AI-generated voices as artificial voices, so its consent rules come into play, and the FDCPA and Regulation F set their own rules for collectors. Ask counsel how the TCPA, FDCPA and Regulation F apply to your program, and have them review your script, consent records and calling rules before launch.
Not on VoiceOI. Bots take the reminder and re-contact volume and transfer consumers who are ready to talk. Collectors negotiate, take payments, and handle disputes and hardship cases. The Yale study cited in the live transfer section of this page looked at older AI callers, not VoiceOI.
A consumer who agrees to talk is put through to a collector on the live line, chosen by your routing rules, and the bot does not stay to introduce them. Collectors get AI-written notes on the Good Fronter tiers.
No. VoiceOI does not take payments or card details. Transfer the consumer to a collector, who takes the payment or sets up the plan in your own systems.
No. When a machine answers, the call ends and is logged as AM, so no message is left. Plan any voicemail strategy separately.
Yes: use a recorded-voice bot. It plays the pre-recorded lines your compliance team approved, in the order your script sets, and recordings and transcripts are there to check what was said.
You set the retry rules and calling windows for each campaign. Keep them, and your list recycling, inside Regulation F's call-frequency presumption and any state limits; that judgment stays with your team.
Not yet. There is no collection-software integration today, and CRM integrations are coming soon. Bots running as VICIdial remote agents write dispositions back to VICIdial, recordings and transcripts are in the VoiceOI dashboard, and the Pro LG tiers can export a row per call to Google Sheets.
Build your script around approved disclosures, test it in the simulator, and let bots carry the reminders while collectors take the conversations.
Last updated: October 1, 2026