Collections

Debt collection calls that survive a compliance review.

Collections is the call type regulators actually pull transcripts of. VoiceGun discloses on every call, checks consent before dialing, honours opt-outs immediately, and keeps a complete recording of what was said. And it does that on the whole book, not just the accounts someone had time for.

Consent checked before dialing ยท Opt-outs honoured permanently ยท Full recordings

100% Calls disclosed as AI
Pre-dial Consent checked
Immediately Opt-out honoured
100% Calls recorded

What the agents handle

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Consented payment reminders

EMI and instalment reminders that run only against contacts carrying a valid consent flag, at a sensible local hour.

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Pre-due nudges

Reach borrowers before the due date rather than after it, which is the cheapest collection call anyone ever makes.

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Early-stage bucket coverage

Work the whole early bucket on schedule. Human collectors then spend their day on the accounts where a conversation actually changes the outcome.

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Immediate opt-out handling

An opt-out heard on a call is honoured immediately and permanently, across every future campaign, without anyone updating a list by hand.

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Escalation to collectors

Anything touching settlement, dispute or hardship transfers to a trained human rather than being answered by an agent.

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Audit-ready by default

Every call is disclosed, recorded, transcribed and exportable. Usually the fastest part of the compliance sign-off.

Guardrails

The agent never negotiates, and never threatens.

Settlement terms, hardship arrangements and anything resembling a legal consequence are restricted by default. The agent states the facts it holds from your own records, and transfers to a trained collector for everything else. That boundary is the point: it is what makes volume safe here rather than risky.

See how approvals work โ†’
Approved to discuss
Amount and due date from your recordsAllowed
How to payAllowed
Scheduling a callbackAllowed
Restricted
Settlement negotiationTransfer to human
Legal consequencesNever stated
Hardship arrangementsTransfer to human
Evidence

Every call can be produced on request.

Recordings and transcripts are encrypted, retained for audit and exportable at any time, with the AI disclosure captured at the top of each recording. Storage region is your choice. Your data is never used to train AI models and never shared or resold.

See our data practices โ†’
Retained per call
Disclosure at call openOn the recording
Full audio and transcriptExportable
Consent state at dial timeLogged
NBFC lender
"Every EMI reminder call is disclosed, consented and recorded. Compliance signed off faster than on our old dialer, and connect rates went up."
VP, Collections Banking vertical

Debt Collection Calling questions, answered

Does the agent negotiate settlements?
No. Settlement, hardship and dispute handling are restricted by default and transfer to a trained human collector. The agent confirms the amount and due date from your own records and explains how to pay.
How is consent handled before a call goes out?
Consent flags are checked before dialing, not after. Contacts without a valid flag are never dialed, and an opt-out heard on any call is applied immediately and permanently across future campaigns.
Can we produce a specific call for a regulator?
Yes. Every call is recorded and transcribed with the AI disclosure captured at the start of the recording, retained for audit and exportable at any time.
Which languages can collections calls run in?
40+, including Hindi, Punjabi, Tamil, Marathi and Bengali, and the agent can switch mid-call if the person who answers prefers another one.
What is a debt collection call?
A contact made to a borrower about an amount owed: a reminder before a due date, a notice after one, or a conversation about how and when payment will be made. Because these calls are heavily regulated, what is said, when it is said and whether consent existed all matter as much as whether the call connected.
How does this stay compliant with collections rules?
Disclosure, consent checks, do-not-call suppression and local calling windows are enforced at platform level on every campaign rather than per campaign. Restricted topics are blocked by default and every call is recorded with the disclosure captured. Your own policies still govern what the agent is briefed to say.
Can it take a payment on the call?
The agent explains how to pay and can direct the borrower to your existing payment channel. It does not capture card details, which keeps card data out of the call entirely.
What happens if someone disputes the debt?
Disputes transfer to a trained human immediately. The agent does not argue, does not restate the balance as final, and logs the dispute against the account.

Built for these teams

See every industry we work with โ†’

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