AI built by experts to resolve even the most complex delinquencies.
Meet Cara — the next-generation digital AI agent that handles full conversations, takes payments, captures promises, and works the channel your customers actually use. 24 hours a day. Across every stage of delinquency.
Customers went fully digital. Collections didn’t.
Phone-based collections were designed for a world that no longer exists. Today's borrowers ignore unknown numbers, screen voicemails, and want to handle their finances on their own time.
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Calls go unanswered
Delinquent customers have never been less likely to pick up the phone — and right-party-contact rates are still falling.
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Auto payments keep climbing
With monthly payments at record highs, delinquent customers need real personalized assistance, planning, and guidance — not a script.
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Compliance risk is everywhere
Every interaction is a potential exposure. Reg F, UDAAP, and state-level rules demand consistent, monitored, auditable conversations at scale.
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Cost-to-collect keeps rising
Live agent capacity is finite. Hiring, training, and turnover compound the problem. The economics don't work without intelligent automation.
A purpose-built AI agent for the conversations that matter most.
Cara is built with intense focus by industry experts to deliver a top-decile negotiation strategy across even the most complex, edge-case delinquencies — any item, any time, anywhere.
2× digital engagement
Deeply personalized outbound messaging on a low-friction channel — best-in-class customer engagement.
Quality & consistency, 24/7
The highest-quality conversation, anytime, anywhere — not just during call-center hours.
Personalized end-to-end
Personalized reminders and full conversation history at every touchpoint — Cara remembers everything.
Truly optimized
Cara opens the door for constant strategy and language optimization — truly tune your strategy to each customer.
Cara handles the complicated stuff.
Asking the customer the right way at the right time for a little more cash. Leveraging extensions to capture a current-month save. Educating customers on when to save an extension for a rainy day. Repo timing. NSFs. The full negotiation surface.
Everything Cara can do.
Cara AI Agent
↗The brain. Industry-trained intent recognition, context memory, and negotiation strategy across every stage of delinquency.
Full Conversations
↗Multi-turn dialogue across text, chat, and voice. Cara remembers every prior interaction and picks up exactly where she left off.
Take Payments
↗End-to-end payment capture inside the conversation — pre-calculation, payment waterfall, and PayNearMe integration.
Promise to Pay
↗Capture, track, and follow up on every commitment. Cara handles broken-promise outreach automatically and compliantly.
Smartlinks
↗Personalized, secure payment links delivered in the conversation. Frictionless on mobile, fully trackable, ready to convert.
Partner Ecosystem
↗Built to integrate. PayNearMe for payment processing, plus the servicing systems and compliance tools you already run on.
PayNearMe
Cara is integrated with PayNearMe to deliver secure, seamless payment capture inside every conversation — covering cards, ACH, cash, and all the alternative payment rails your customers actually use.
Bring us your toughest, most complex delinquency files. We’ll show you what Cara does with them.
Request a demo