White Label AI for Debt Collection
Agencies can white-label voice AI for debt collection clients, offering compliant automated calling that increases contact rates by 40-60% while reducing agent costs by up to 70%.
Debt collection is one of the most regulated and challenging verticals for voice AI deployment. Collectors face strict compliance requirements, high agent turnover, and declining contact rates as consumers screen unknown calls. For agencies serving this market, white-label voice AI represents a significant opportunity - but only if the underlying platform handles the unique compliance and operational demands of collections.
Which Trillet product is right for you?
Small businesses: Trillet AI Receptionist - 24/7 call answering starting at $29/month
Agencies: Trillet White-Label - Studio $99/month or Agency $299/month (unlimited sub-accounts)
Why Debt Collection Agencies Need White-Label Voice AI
The debt collection industry faces a perfect storm of challenges that voice AI directly addresses.
Contact rate decline: Right-party contact rates have dropped from 15-20% in the early 2000s to 3-5% today. Consumers screen calls aggressively, and many collectors report that 80%+ of outbound attempts reach voicemail.
Agent costs and turnover: Collection agent turnover exceeds 50% annually at many agencies. Training costs average $3,000-5,000 per agent, and experienced collectors command $45,000-65,000 in salary. The math becomes unsustainable when agents spend 70% of their time leaving voicemails and navigating phone trees.
Compliance complexity: FDCPA, TCPA, Regulation F, and state-specific laws create a compliance minefield. A single violation can result in $1,000+ per call in statutory damages, and class actions regularly produce seven-figure settlements.
Voice AI addresses all three challenges: it dramatically increases contact attempts without proportional cost increases, eliminates the human capital challenges, and can be programmed for perfect compliance on every call.
What Features Should Agencies Prioritize for Debt Collection Clients?
Agencies evaluating white-label platforms for debt collection clients need specific capabilities that general-purpose voice AI often lacks.
Time-zone aware calling: TCPA restricts calls to 8 AM - 9 PM in the consumer's local time zone. The platform must automatically calculate permissible calling windows based on the debtor's area code or ZIP code, not the collector's location.
Mini-Miranda compliance: Regulation F requires specific disclosures on initial communications. The AI must deliver required language verbatim: "This is an attempt to collect a debt and any information obtained will be used for that purpose."
Consent management: The platform must track and respect revocation of consent, do-not-call requests, and cease-and-desist demands. A single call after revocation can trigger TCPA liability.
Call recording with disclosure: Most states require one or two-party consent for recording. The AI must deliver appropriate disclosures and the platform must store recordings with proper retention policies.
Payment processing integration: Voice AI that can accept payments during the call dramatically increases collection rates. Stripe or similar PCI-compliant integrations allow debtors to resolve accounts immediately when they're engaged.
Voicemail detection and compliance: When the AI reaches voicemail, it must either leave a compliant message or disconnect without leaving a message (depending on client preference and state law). Leaving non-compliant voicemails creates discoverable evidence of violations.
How Does Compliance Work with White-Label Voice AI for Collections?
Compliance in debt collection voice AI operates at multiple levels, and agencies must understand where responsibility lies.
Platform-level compliance: The underlying voice AI platform should include TCPA-compliant calling windows, DNC list checking, and consent tracking. Trillet's white-label platform includes these features natively - they're not add-ons that require additional fees.
Script-level compliance: Agencies and their clients are responsible for the actual words the AI speaks. Mini-Miranda disclosures, validation notices, and state-specific requirements must be programmed into the agent scripts. The platform provides the tools; the agency configures compliance.
Data handling: Debt collection involves sensitive financial data. The platform must support secure data transmission, appropriate retention policies, and the ability to delete records when required (such as after statute of limitations expiration or dispute resolution).
Audit trails: Regulators and litigators will request call records. The platform should automatically log every call attempt, disposition, and consumer interaction with timestamps and recordings.
Compliance Area | Platform Responsibility | Agency/Client Responsibility |
TCPA calling windows | Automatic time-zone calculation | None (platform handles) |
Mini-Miranda disclosure | Script delivery capability | Script content and timing |
DNC/consent tracking | Database and checking | Initial consent documentation |
Call recording | Storage and retrieval | Disclosure script and policy |
Regulation F disclosures | Script delivery | Content accuracy |
State-specific rules | Configurable rules engine | Research and configuration |
What Margins Can Agencies Expect Serving Debt Collection Clients?
Debt collection clients typically pay premium rates for voice AI services due to the compliance complexity and high ROI.
Typical agency pricing to collection clients:
Setup fee: $2,500-10,000 (compliance configuration, script development, integration)
Monthly platform fee: $500-2,000 per client
Per-minute or per-call fees: $0.25-0.50 per minute or $1-3 per connected call
Payment processing fees: 2-3% of collected amounts (passed through or marked up)
Agency costs with Trillet White-Label:
Platform fee: $299/month for unlimited sub-accounts
Per-minute usage: $0.09/minute
No compliance add-on fees (included)
Example margin calculation: A mid-size collection agency making 50,000 outbound attempts per month with 5% contact rate (2,500 connected calls averaging 3 minutes = 7,500 minutes):
Revenue Stream | Monthly Amount |
Platform fee to client | $1,500 |
Per-minute fees (7,500 x $0.35) | $2,625 |
Total Revenue | $4,125 |
Trillet Cost | $299 + (7,500 x $0.09) = $974 |
Gross Margin | $3,151 (76%) |
Collection clients are sticky once implemented due to high switching costs (compliance reconfiguration, integration work, agent retraining). Expect 85-90% retention rates with properly onboarded clients.
How Does Voice AI Compare to Human Collectors?
Voice AI and human collectors serve different functions in a modern collection operation. Understanding the optimal mix helps agencies position their services effectively.
Voice AI excels at:
High-volume initial contact attempts (first 3-5 touches)
Leaving compliant voicemails at scale
Payment arrangement confirmations
Inbound payment inquiries
Consistent compliance execution
24/7 availability for inbound calls
Human collectors remain essential for:
Complex negotiations and settlements
Disputed accounts requiring judgment
Skip tracing conversations
Legal escalation discussions
High-balance accounts requiring relationship building
The optimal model uses voice AI for 80% of outbound volume (initial contacts, routine follow-ups, payment reminders) while routing complex situations to human collectors. This approach typically increases overall contact rates by 40-60% while reducing per-account collection costs by 50-70%.
What Integration Requirements Exist for Collection Clients?
Debt collection clients typically use specialized software that voice AI must integrate with.
Collection management systems: Platforms like FICO Debt Manager, Experian PowerCurve, Ontario Systems Artiva, or CGI Credit must feed account data to the voice AI and receive disposition updates.
Predictive dialers: Many collectors use Convoso, Five9, or LiveVox for human agent campaigns. Voice AI should complement these systems, not require replacement.
Payment processors: WorldPay, PaySimple, or Stripe integration enables immediate payment acceptance during calls.
Credit bureau reporting: The voice AI disposition data should flow back to credit reporting workflows.
Trillet's white-label platform includes full API access and pre-built integrations with major CRM and payment systems. Collection-specific integrations may require custom development, which Trillet's team can scope as part of enterprise engagements.
Frequently Asked Questions
Is voice AI compliant with the FDCPA and TCPA for debt collection?
Voice AI can be fully compliant with FDCPA, TCPA, Regulation F, and state collection laws when properly configured. The platform must support required disclosures, calling time restrictions, consent tracking, and audit logging. Compliance ultimately depends on how the agency configures scripts and workflows - the platform provides the tools, but agencies must implement correctly.
Which Trillet product should I choose?
If you're a small business owner looking for AI call answering, start with Trillet AI Receptionist at $29/month. If you're an agency wanting to resell voice AI to debt collection clients, explore Trillet White-Label - Studio at $99/month (up to 3 sub-accounts) or Agency at $299/month (unlimited). ai/enterprise) provides fully managed implementation with custom SLAs.
How much can debt collection clients expect to save with voice AI?
Collection agencies typically see 50-70% reduction in cost per account touched when deploying voice AI for initial contacts and routine follow-ups. A collector making 100 calls per day at $25/hour costs roughly $2 per attempt. Voice AI at $0.09-0.15 per minute (averaging 30-second attempts with voicemail) costs $0.05-0.08 per attempt - a 95%+ reduction in contact attempt costs.
Can voice AI handle payment negotiations?
Voice AI can handle straightforward payment arrangements (setting up payment plans within pre-approved parameters) and accept payments via integrated processors. Complex negotiations involving settlements below a threshold, hardship accommodations, or disputed amounts should route to human collectors.
What happens when a consumer requests to stop calls?
Compliant voice AI immediately flags the account as do-not-call upon verbal request, logs the revocation with timestamp, and prevents future outbound attempts. This happens automatically without requiring the consumer to put anything in writing - a common compliance failure point with human collectors who may "forget" verbal requests.
Conclusion
White-label voice AI for debt collection represents a high-margin vertical for agencies willing to invest in compliance configuration and client education. The combination of strict regulatory requirements (which create barriers to entry), high client ROI (40-60% contact rate improvements), and sticky implementations (high switching costs) makes collection clients valuable long-term accounts.
Agencies should start with Trillet White-Label at $299/month for unlimited sub-accounts, which includes TCPA compliance features without add-on fees. The 76%+ gross margins achievable with properly priced collection clients make this one of the most profitable verticals in the voice AI agency space.
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