Voice layer for the under-30 recovery window
Your digital channels already spoke. We recover the ones who didn’t.
Talkover’s voice agent calls the people who ignored your WhatsApp, SMS and RCS messages, gets to the real reason for the delay, and settles within your policy limits, before the debt reaches the credit bureaus.
Free · Keep your channels · Written criteria
Consumer-law compliant · Privacy by default · 100% recorded and auditable
Simulated call to someone who ignored the texts
Built for operations already running a digital cadence:
Banks · Fintechs · Telecom & subscriptions · Collection agencies · Retail credit · Credit unions
Your digital cadence works. It just can’t reach the people who ignore it.
That slice has an expiry date: it walks toward the bureaus while nobody talks to it. You can put a number on it. Below, with your own data.
Delivered, read, ignored
The message lands, gets read, and goes unanswered. The digital channel did its job as far as it goes, and from there the portfolio sits in silence, with nobody on the other side to negotiate.
Voice doesn’t scale with headcount
Covering that slice by voice takes people, and people don’t scale with the portfolio. Your reps end up pointed at the bigger balances, and the recent band gets whatever is left of the day.
Listed without ever negotiating
A large share of that slice reaches your listing cutoff without ever hearing a single offer. The case moves on, the debt gets more expensive, and the odds of settling fall with it.
How much does your under-30 band let slip every month?
Adjust it with your own numbers. Same math we run in the X-Ray. Rougher here, and only over the accounts you can still reach before the cutoff.
- Additional settlements per month
- 6,947
- In 12 months of changing nothing
- $5,835,110
And that slice keeps heading for the bureaus.
Find the real number with your portfolio’s data, not ours.
Modeled-scenario estimate with illustrative factors. Not a promise of results. The Portfolio X-Ray replaces this math with a projection built from your operation’s real data.
The recent band is the cheapest recovery your portfolio will ever get. Every idle week pushes part of it past the cutoff, where the same debt starts costing more time, more discount and more people to recover.
THE MECHANISM
Pre-30 Recovery Engine: the layer that talks to everyone who went silent
The Pre-30 Engine comes in after WhatsApp, SMS and RCS, never instead of them. When the digital cadence gets no reply, the layer takes that account and works it up to the listing cutoff. Three gears, one single call.
- 01
The non-responder queue
The layer reads who never replied to WhatsApp, SMS or RCS, queues them by days past due, and calls at the hours that account tends to pick up, evenings and Saturdays included, always within allowed hours.
- 02
Objections handled live
The agent asks why the payment slipped and answers the actual objection (job loss, payday timing, a disputed amount), always inside the rules your legal team approved.
- 03
Every outcome, logged
Pix or a payment link by SMS while still on the line, recorded verbal confirmation, and the outcome in your system, including when the outcome is no, with the reason in the customer’s words.
That’s why a fourth SMS doesn’t fix it: it lands exactly where the third one stopped. Silence isn’t beaten by repetition. It’s beaten by a conversation.
THE STORY OF ONE PORTFOLIO
A retail portfolio and the slice that never answered
Modeled scenario: illustrative figures
Before: the silence
120,000 retail-credit accounts in the 3-to-29-day band, $70 average balance. The digital cadence runs well: WhatsApp on day 1, SMS on day 2, RCS right after. Forty reps and a predictive dialer produce 110k attempts a month.
But the human capacity is pointed where the value is: older buckets, higher balances, legal cases. The recent band gets whatever is left of the day. And the number the dashboard never shows is how many accounts cross the listing cutoff without ever speaking to anyone.
- 18%
- non-responders reached
- 12%
- reached → settlement
- $6.20
- cost per settlement
The turning point
The problem was never too few calls. It was that nobody ever talked to the people who went quiet. The recent band enters the Pre-30 Recovery Engine: a voice cadence from day 3 to day 27, starting exactly where the message stopped and ending before the cutoff.
The voice cadence, from day 3 to day 27
D+7 · Why it’s late
“I understand, Marina. What if we split it in two, with the first payment only next week?”
The texts already went out. Voice steps in where they went unanswered.
“Hi Marina! This is the store’s virtual assistant. We sent you a few messages over the past days and didn’t hear back. That’s why I’m calling.”
The agent asks what happened, and listens to the whole answer.
“I understand, Marina. What if we split it in two, with the first payment only next week?”
Installments worked out mid-conversation, link sent before hanging up.
“That would be 6 payments of $12, the first one on your payday. Can I send the link now?”
The best terms your policy allows, still inside the window.
“This is the best offer I’m authorized to release while the case is still with me. Can I walk you through it?”
What needs a person reaches your team before the cutoff, not after.
“Context-rich transfer: the reason for the delay in the customer’s own words, hours attempted and counteroffers received.”
Inside the day-7 call
After: the same portfolio, minus the silence
| Metric | Current cadence | With the Pre-30 layerMODELED SCENARIO |
|---|---|---|
| Non-responders reached | 18% | 41%+128% |
| Reached accounts that settle | 12% | 19%+58% |
| Cost per settlement | $6.20 | $1.60−74% |
| Voice attempts per month | 110k | 480k+336% |
Scenario modeled on the 3-to-29-day band described above, to illustrate product mechanics. Not an audited customer result. In the X-Ray, we project these numbers with your operation’s data.
And the 40 reps? None left. They stay on the older buckets and the bigger balances, and now take from the voice layer only what needs a person (disputes, vulnerability, large cases), with full transcript and history.
That’s the projection the X-Ray delivers on your operation’s numbers, within 2 business days.
What Talkover doesn’t do, on purpose
In collections, trust is built by what you refuse to do.
- —We don’t promise a recovery rate before seeing your portfolio. Every number on this page is a modeled scenario, and labeled as such.
- —We don’t hide that it’s an AI. The agent identifies itself as a virtual assistant on every call.
- —We don’t call outside allowed hours, or above the frequency you set. Ever.
- —We don’t push people who dispute or show vulnerability: we escalate to your team, with context.
- —We don’t replace your digital channels. Voice comes in after WhatsApp, SMS and RCS, and only for the people who never answered them.
- —We don’t ask you to switch systems or let anyone go in order to test.
COMPLIANCE AND RESPECT
Collecting well means collecting lawfully, on 100% of calls
Debt collection is regulated: consumer-protection and privacy laws apply, and a single instance of harassment can cost more than the debt itself. An AI agent doesn’t have bad days: it follows your legal team’s approved script on every call, without exception, and documents every second.
- —Never discloses the debt to third parties: verifies identity before any mention of it
- —No threats or embarrassment, by construction: the agent only says what was approved
- —Calls only within the hours and frequency you define, and honors do-not-call requests instantly
- —Privacy by default: encrypted data, controlled access, use restricted to the collection purpose
- —Every call recorded, transcribed and auditable: your defense ready before any dispute
Agent policies
- Triggers whenno digital reply for 72h
- Active windowday 3 to day 27
- Allowed hours8am–8:55pm, Mon–Sat
- Calls per day, per contactmax 1
- Max discount20% upfront
- Escalate to a humandispute, vulnerability, request
- Instant opt-outon
THE OFFER
The Portfolio X-Ray, free
Before any contract, you see in numbers, and hear live, how the slice that ignores you today would behave inside the Pre-30 Recovery Engine.
A map of your silent slice
We run your portfolio profile through our model (volume in the under-30 band, digital reply rates, balance, current contact) and hand back how many accounts reach the cutoff having never negotiated.
Live demo with your reality
You listen to the agent calling a non-responder, in a scenario built from your own portfolio profile. Three minutes of listening beat any slide.
Pilot-ready strategy and limits
A drafted day 3→27 voice cadence, a no-reply entry trigger and pre-configured policy limits, ready for your legal team’s sign-off.
A written Prove-It Pilot plan
Success criteria, duration and exit terms defined before any contract.
FREE. Your investment: 30 minutes and your portfolio’s profile.
Free · Keep your channels · Written criteria
The Prove-It Pilot: our commitment
Every week of waiting pushes part of the under-30 band past the cutoff, where the same debt costs more discount and more time to recover.
Frequently asked questions
PORTFOLIO X-RAY
Get your Portfolio X-Ray
Two quick steps. Within 2 business days you get your projection and schedule the live demo.
What happens next
- 1.We receive your portfolio’s profile
- 2.Within 2 business days: projection + live demo
- 3.You leave with the day 3→27 cadence, policy limits and a written pilot plan
Privacy · Auditable · Encrypted
Prove-It Pilot: written success criteria, no system migration.