Every promise remembered. Every miss, recovered.
PTPs are the lifeblood of late-stage collections — and the easiest place for value to leak. Cara captures every commitment with full structure, follows up at exactly the right moment, and recovers broken promises with the right tone.
Capture
Cara confirms amount, date, payment method, and contingencies. Partial promises and split arrangements are first-class — no awkward workflow contortions.
Follow-up
Cara reaches back out at the right cadence — a friendly nudge the day before, a confirmation request on the day, a recovery sequence if it slips.
Recovery
When a promise breaks, Cara doesn’t just retry. She acknowledges, asks, and works toward a renegotiated commitment with the customer’s real situation in mind.
The hardest moment, handled with consistency.
Broken promises are where most collection programs lose ground — agents are tired, scripts get blunt, and customers disengage. Cara delivers a calibrated, empathetic, compliant response every single time.
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Acknowledge without accusation
Cara opens with curiosity, not judgment — preserving the relationship while still moving toward resolution.
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Diagnose what changed
Income disruption? NSF? Forgot? Each path has a different next move, and Cara picks the right one.
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Propose a recoverable plan
Partial today plus a smaller follow-up. Date shift. Switch to a different rail. Cara works the option space so the customer says yes.
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Lock the new commitment
Captured, scheduled, monitored. Full audit trail of what was offered, accepted, and delivered.
Built for the audit, every time.
Full transcript
Every PTP-related interaction is logged in full, tied to the customer record, and timestamped.
Reg F & UDAAP aware
Cara’s language and cadence are designed around the regulatory framework — and adjustable to your policy.
Disclosures on rails
Required language is delivered consistently — every time, no exceptions, no agent variance.
Easy export
Export PTP data, full transcripts, and outcome metrics directly to your compliance and BI stack.
Configurable policy
Your hours, your fees, your extension rules, your tone. Cara adapts; she doesn’t override.
Live agent escalation
Sensitive moments — bankruptcy, hardship, surrender — route to a human with the full context preserved.