Text conversations that collect.
Borrowers who won’t pick up will still reply to a text. AI Texting holds a real two-way conversation by SMS: it answers questions, sets up payment plans, sends a secure Smartlink and logs the promise. Reply “CALL” and the AI Dialer rings them back.
A conversation, not a blast.
Most collections texting is one-way: a reminder and a link. AI Texting reads every reply, understands intent and responds with the same negotiation skill as the AI Dialer, with full account context and the same compliance rules.
- Understands real replies: “can i do half friday”, “who is this”, “already paid”
- Negotiates in-thread: split payments, promises and due-date moves within policy
- Collects in-thread: one-tap Smartlink, no login needed
Everything a collections text needs to do.
Two-way AI replies
Intent recognition on every inbound text, with answers grounded in the borrower’s account.
Smartlink payments
Personalized, prefilled payment links, tracked from send to open to paid.
Text-to-call
“Call me” becomes an AI Dialer call within the calling window, with the thread attached.
English & Spanish
Detects the borrower’s language and continues in it, through the Elena persona or your own.
STOP / HELP / START
Opt-outs honored instantly and applied across SMS and voice. HELP returns your contact details.
Quiet hours
Texts go out only during the borrower’s local daytime window. Replies after hours queue for the morning.
Verify before disclosing
Confirms the right party before any debt detail appears in the thread.
Registered senders
Sends from 10DLC or verified toll-free numbers registered to your brand for better deliverability.
A texting strategy for every stage.
Each stage gets its own cadence, tone and offer set, and texting and calling are coordinated, so the borrower hears from you on the right channel without being overwhelmed.
Pre-due reminder
A friendly heads-up a few days before the due date, with a Smartlink to pay early.
Early stage · 1–30 DPD
Light-touch outreach focused on getting current, with a promise to pay if today doesn’t work.
Mid stage · 31–60 DPD
Split payments and extension options, with the AI Dialer stepping in when texts go unanswered.
Late stage · 61–120 DPD
Direct, respectful messaging that explains what happens next and offers a call with a person.
Broken promise
Same-day follow-up when a promised payment doesn’t post, with a fresh link and a new date.
Receipt & thank-you
Confirmation number, next due date and a reminder of how to reach you.
The same rulebook as your calls.
AI Texting shares contact rules, consent records and disclosures with the AI Dialer, so a borrower’s preferences are honored everywhere.
Consent first
Texts only numbers with documented consent; revocation by any reasonable means is captured and applied.
Opt-out in every message
A clear opt-out instruction in electronic communications, with requests honored across channels.
No third-party disclosure
Identity is confirmed before balances or account details are shared in the thread.
Every thread archived
Full message history, intents, offers and outcomes stored alongside call records.
Negotiate with Cara by text yourself, on a sample account shaped like yours.