AI agents for debt collection agencies that run a separate agent on each client's book: its own mailbox, its own number, its own script and tone, and nothing shared with the client next to it. Each agent chases every account by days past due across email, text and phone, hands disputes and hardship to a collector, and keeps a record you can put in front of a regulator. Your fee stays yours. We take no percentage.
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A collections agency with twelve clients builds twelve agents on one account. Each one holds the mailbox that sends for that book, whether that is an address on the client's own domain for first-party work or an address on yours for contingency placements, connected with an app password for Gmail or Outlook, or as an SMTP and IMAP host for anything else. Mail leaves through that server, so the sending reputation belongs to the domain it should belong to, and a health score out of 100 tells you before a run whether SPF, DKIM and DMARC are in place and where its mail is landing.
The knowledge base, the templates, the instructions and the contacts belong to that one agent. Content from one client's agent is never used to write a reply for another, so a consumer on one book is never told something that was true of a different creditor. You can run two competing creditors on the same account and neither would know the other was there.
A collections sequence is a campaign with email, text and call steps, each with its own delay and its own send condition. Load the placements for a client as a CSV or a segment from their connected CRM, and the plan runs the same on every account: the first notice from the mailbox, a text on the number the client's consumers already recognise, a call read from the script that client approved, a firmer email at the stage they agreed to. Every step is a saved template with the account details filled in.
The text step carries the sending window with its days, hours and time zone, the texts-per-hour pace for that number, and the Reply STOP line. A reply of STOP on any channel ends the sequence on every channel and cancels anything queued to that person. The whole plan shows on a review screen, one row per account, before a single message leaves.
Invite a client by email address and they get their own login onto the one agent that works their book. They see the inbox for that agent, every email, text and call transcript on their accounts in one list, newest first, tagged with the channel it arrived on. They see the numbers and mailboxes it sends from, its analytics, and a reply box so they can step into a thread themselves. That is the collections agency client portal most clients are actually asking for.
They do not see the knowledge base, the instructions, the campaign builder, your API keys, your settings, your billing, or any other client on your account. Access is deny-by-default. When a client replies in a thread, the agent stands down on that account until the thread is handed back, so a client can settle a dispute directly with their own customer and the sequence does not talk over them.
One row per account shows every notice, reply, text, call, recording and transcript in the order it happened, with the time it happened. Every reply the agent wrote is stored beside the material it was written from: the Q&A pair, the data point, the document. When a consumer, a client or a regulator asks what was said on an account and when, the thread is there, not in a collector's notes.
The dashboard counts accounts rather than messages: how many were reached, how many replied, how many went on to the payment page, how many were marked paid, and the value recovered against a goal you set with a dollar figure. Each client's agent has its own funnel, so a monthly report to that client is a screen you already have, not a spreadsheet you build on the last day of the month.
An agency's recoveries are decided at the bottom of the queue. The accounts at the top get the collector's attention, the call, the second call, the negotiated plan. The accounts at the bottom get a letter and silence, because a collector has an afternoon and a queue has no end. Every agency knows the fifth touch on a small balance is where the easy money is, and every agency knows that touch is the one that does not happen. AI agents for debt collection agencies exist to make the fifth touch as certain as the first, on every account, on every client's book.
Bold Agent Kit gives an agency unlimited agents on one account, and the way to use them is one agent per client. Each agent has its own mailbox, its own number, its own knowledge base, its own templates and its own instructions, so the firm tone one creditor wants and the gentle tone another insists on live in different agents and never meet. You write each client's sequence once: the notice on day 1, the text on day 5, the call on day 10, the offer that client permits, the point at which a collector takes over. You set the days, the hours and the time zone it may contact anybody on that book. Then it runs the same sequence on every account, and stops on its own the moment there is a reason to: a payment you mark, a reply, or an opt-out on any channel.
It answers, and it knows when not to. When a consumer replies "what is this for?" or "how do I pay?", the agent answers from the material you loaded for that client, links only to the payment page you allowed, and, with the client's CRM connected, reads what is actually open on the account before it writes. When a consumer disputes the debt, claims hardship, or asks for a payment plan, the rule you wrote sends the thread to a collector and the agent stands down on that account. It does not negotiate what you did not permit, it does not take payment, and it does not invent a balance it cannot see. What it says is what you instructed it to say, and every reply is kept with its source.
Whether your sequence, your wording and your call frequency meet the FDCPA and Regulation F, the FCA's rules in the United Kingdom, or the rules of any state you are licensed in, is your responsibility, exactly as it is when a collector places the same call. What the software gives you is the controls a compliant operation needs and a record that shows they were used. And it is software, not a partner: $25 a month for the whole account, every client, every agent, every account, with no percentage of what any of them recovers. Your contingency fee is yours.
The placements arrive, the collectors are good, and the recovery rate still sits below what the book could pay. Four things get in the way, and none of them is the consumer.
A collector with two hundred accounts works the fifty that look likely to pay this month. The other hundred and fifty get a letter, maybe a text, then nothing, because the afternoon ran out. The accounts that would have paid on the fifth contact, on a different channel, on the right day, are exactly the accounts that never get it.
One creditor wants a firm notice on day 1. Another has a brand to protect and wants three gentle reminders before anyone mentions consequences. A dialler script and a letter template cannot be twelve different things at once, so every client gets the agency's tone, and the client who cared about it notices.
"What has happened on the Henderson book this month?" means a collector stops collecting to pull a report out of the dialler, the email tool and their own notes, and the answer is still incomplete. The client wanted a screen they could open themselves. What they get is a spreadsheet on the last day of the month.
The call is in the dialler, the letter in a sent folder, the text on a collector's handset, and the promise to pay in a note. When a consumer says "nobody told me" or a regulator asks for the contact history on one account, assembling it takes a morning, and there are gaps.
You build each client's agent once. From then on it works that book across the channels you connected, on its own, and only fetches a collector for the accounts that need one.
Unlimited agents on one account, one per client. Each has its own mailbox, its own number, its own knowledge base, its own templates and instructions, and its own contacts and analytics. A knowledge base belongs to one agent only, and content from one agent is never used to write a reply for another. The client's tone, the client's offers and the client's disclosures live in the client's agent.
An email on day 1, a text on day 5, a call on day 10, a firmer email on day 15, and on for as long as the client's process runs. Each step has its own delay and send condition, and nothing leaves on a day or at an hour the window does not allow. It answers "what is this for?" and "how do I pay?" from that client's material, and reads the connected CRM for what is open before it writes.
A rule in the instructions names the situations the agent must not handle: a dispute, a hardship claim, a request for a plan, a claim of prior payment. When a reply matches, the thread lands in the inbox with the agent standing down on that account. A payment you mark, a reply, or a STOP on any channel ends the sequence on every channel and cancels anything queued.
The text step of each client's sequence carries the number it sends from, how many texts an hour that number may send, the days, hours and time zone anything may go out, and the Reply STOP line. A reply of STOP is honoured on every channel at once, the consumer is added to a suppression list, and anything already queued to them is cancelled. Every campaign email carries a one-click unsubscribe that does the same. The agent replies once per thread, respects a daily cap per sender and hourly caps per number and mailbox, and ignores bounces, out-of-office replies and no-reply addresses.
The disclosures your counsel requires, and the wording your client approved, go into the templates you write, and the agent sends those templates and nothing else. The campaign is created as a draft and shows every account and every step on a review screen. It sends nothing until you press Start. Compliant collections messaging is still your judgement to make; what you get here is a set of controls that hold on every account, and a record that shows they held.
Each one answers a problem above, and each one runs on every book without a collector remembering to do it.
The two-hundredth account on the book is worked exactly like the first: every step, on the day, on the channel the plan says. The small balances that never justified a collector's afternoon are chased to the end of the sequence, and the ones that reply are handed to a person.
The sequence a client signed off is the sequence that runs, in their wording, at their pace, with their offers and no others. The firm client and the gentle client are two agents, and neither drifts into the other's tone because there is no house tone to drift into.
Each client's mailbox, number, contacts, knowledge base and analytics belong to their agent. A client login opens onto that agent and denies everything else. Direct competitors can sit on one account and neither would know.
Timestamps, transcripts, recordings, and the source of every reply, on one row per account, ready for the dispute, the client's audit, the licensing board or the regulator. Nothing to assemble from four systems, because there is one.
Every notice, reply, call and payment is recorded against an account and reported as a funnel, per agent and across all agents. For an agency, per agent means per client, and the report the client used to ask for is a screen they can open themselves.
The funnel counts accounts rather than messages: how many the agent reached, how many replied, how many went on to the payment page, and how many were marked paid, with the total value recovered and the median time it took from first notice to payment. Set a goal with a dollar value on each client's campaign and it reports what that run brought in, which is the number the client cares about and the number your fee is calculated on.
Below the funnel, a channel table shows where each account first responded and which channel it was on when it paid, so you learn per book whether it is the text or the call that moves that creditor's consumers, and adjust the next sequence accordingly. One row per account shows the whole history in order. Across all agents, the same dashboard shows the agency's own funnel, so you can see which books are performing and which need a different sequence, without asking anyone to build a report.
Built from the cookie, email address and phone number attached to that contact, so activity months apart on different channels appears on one row.
Page goals and visit triggers require a one-line snippet on your website. Conversations, bookings and manually marking a deal won work without it.
Each of these is usually a separate licence, a separate service or a separate person, and most of them are priced per seat, per message, per minute or per account. Here they are one plan, for every client on the account.
| The job | What it normally takes | Bold Agent Kit |
|---|---|---|
| Working every account through the whole sequence | Collectors with a queue that never gets to the bottom | Included, on every account |
| A separate tone, script and offers for each client | One dialler script and one letter template for everyone | Included, one agent per client |
| Sending the notices from the right mailbox and number | A shared sending domain the consumer does not recognise | Included, on the client's own or yours |
| Placing the calls and keeping the recordings | A dialler licence priced per seat, and a call platform per minute | Included, on your own Twilio number |
| Text campaigns with a window and a stop word | An SMS platform on top of your carrier | Included, you pay only your carrier |
| A portal the client can open to see their book | A monthly spreadsheet, or a portal product priced per client | Included, a login per client |
| A contact history for a dispute or an audit | Four systems and a morning to assemble it | Included, one row per account |
| The price per client | Per-seat, per-sub-account or per-client tiers | $25 a month for the account. Unlimited clients |
Bold Agent Kit is $25 a month, or $200 a year, for the whole account: every client, every agent, every channel, every account, no per-client price and no percentage of anything recovered. The only other costs are your carrier's, for texts and calls, and your AI provider's, typically a few dollars a month per agent.
The same agent type covers all of these. An agency runs one per client, and some run one per stage of a client's process, with a different tone and a different script at each.
A consumer book placed with the agency on a contingency fee. The agent works it in the agency's name from a mailbox and number on the agency's domain, in the wording that client approved, with the disclosures your counsel put in the templates, and a rule that sends every dispute and every hardship claim to a collector before the agent says another word on that account.
A creditor that outsources its early-stage receivables to you and wants the reminders to look like they came from them. The agent sends from the client's own accounts@ mailbox and the client's own number, in the client's own voice, and the client logs into their agent to watch it work. This is accounts receivable outsourcing software in the only form that makes the client comfortable: their name on every message, your process behind it.
Business-to-business debt, where the person on the other end is an accounts payable clerk and the sequence is mostly email with a call at the end. The agent chases the invoice with the details filled in, answers "send me a copy" and "who approved this?" from the documents you loaded, and brings the promise to pay into the inbox with the thread it came from.
Connect the tools you already run and the agent works them like an assistant would: it takes appointments straight into your calendar, writes notes and outcomes back to the CRM, and reads your store to see what somebody has bought before it answers them.
Bookings are real, not guesses. It is only ever given slots that are genuinely free, and it can only take one it actually offered — so it cannot invent a time or double-book you. The same connection pulls a segment of past customers into a list when you want to run a campaign at them.
HubSpot
GoHighLevel
Housecall Pro
ServiceTitan
Jobber
Google Calendar
Microsoft 365
Calendly
HubSpot Meetings
Zoho Bookings
Acuity
Cal.com
Square
Stripe
Shopify
WooCommerce
Wix
SquarespaceEach agent uses a model on your own API key, in the same way it sends from your own mailbox and your own phone number. Sixteen providers are supported: OpenAI, Anthropic, Gemini, xAI and Mistral; DeepSeek, GLM, Kimi, Qwen and MiniMax; Groq, Together, Fireworks and OpenRouter; and Ollama or any other OpenAI-compatible endpoint you host yourself.
Bring your own credentials and you own the whole stack: your model provider, your mailboxes, your carrier, your CRM. We charge for the software and nothing else — no token markup, no metering, no credit packs — so your provider bills you direct at their rates, usually a few dollars a month per agent.
OpenAI
Anthropic
Gemini
xAI
Mistral
DeepSeek
GLM
Kimi
Qwen
MiniMax
Groq
Together
Fireworks
OpenRouter
Ollama
Any OpenAI APIA new address sending forty cold emails a day gets filtered, and takes the domain with it. Mailboxes that opt into warm-up send each other ordinary mail on a ramp, starting at five a day. The receiving mailbox finds each message, moves it out of spam if it landed there, marks it read and replies to a share of them.
Each mailbox carries a health score out of 100 — SPF, DKIM and DMARC on the sending domain, seven days of real sends and bounces, and where its own warm-up mail is landing — with the reasons listed. A mailbox whose bounce rate or spam placement passes a threshold is pulled out of campaign rotation automatically, before it damages the domain.
Three steps per client. A collections campaign is created as a draft and shows you the whole plan, every account and every step, before it sends anything.
Name it for the client, choose a model and paste an API key. Then load what it needs to answer a consumer on that book and nothing else: the client's terms, the payment methods and the payment page it may link to, the Q&A pairs for "what is this for?", "can I have more time?" and "how do I get a copy?", and the client's hours and fees as data points so it never promises a callback outside them. Templates for each step of the sequence hold the wording the client approved and the disclosures your counsel requires.
Write the instructions last: how firm it should be at each stage, which offers this client permits, and the exact situations in which it must stop and fetch a collector. A dispute, a hardship claim, a claim of prior payment and a request for a plan are the usual four. Then build the next client's agent, from a blank knowledge base, because nothing carries across.
Add the mailbox the book sends from, on the client's domain or yours, and a number for texts and calls on your own carrier account, so the messages come from the right name and the reputation stays where it belongs. Connect the client's CRM or store if they have one on the list, so the agent reads what is open on an account before it writes, and so a segment of overdue accounts can be pulled straight into a contact list.
Then load the placements: a CSV export from the client's system, or the segment from the connected CRM. Contacts are unlimited, so a large book is loaded once. Finally, invite the client by email address, and they get their login onto this agent and nothing else.
Build the sequence across the channels the client agreed to, set the days, hours and time zone it may contact anyone on that book, set the pace per number and mailbox, and read the whole plan on the review screen: every account, every step, every date. Nothing leaves until you press Start.
Then work the inbox. Replies are answered by the agent; disputes, hardship and plans come to a collector; accounts a collector marks paid drop out of the sequence on every channel. Pause a client's campaign at any point, for a legal hold or a change of wording, and resume it later. Filter the inbox to one agent when you are working one book.
One account runs unlimited agents, one per client, and nothing is shared between them. A knowledge base belongs to a single agent, and content from one agent is never used to generate replies for another.
Invite a client by email address and they get their own login, which opens onto the one agent you gave them: its conversations, its numbers, its analytics and a reply box. They cannot see your other clients, your API keys, your settings or your billing. Access is deny-by-default.
No seat tiers, no credit packs, no per-agent or per-channel pricing, and nothing held back behind an enterprise call.
| Agents | |
|---|---|
| How many | Unlimited — one per business, brand or job |
| Shared brain | The same identity, instructions and knowledge on every channel |
| Knowledge base | Documents, Q&A pairs, data points and pages of your own site |
| Isolation | One agent's content is never used to reply for another |
| Client seats | Invite a client into one agent, with their own login |
| Channels | |
| As many mailboxes per agent as you connect, rotated by campaigns | |
| Text messages | Nine providers — Twilio, Telnyx, SimpleTexting, Plivo, Vonage, Sinch, Bandwidth, MessageBird, ClickSend |
| Phone calls | Answering and dialling, with recordings and transcripts |
| Transcription | Google, or Deepgram nova-3 on your own key |
| Voices | Google, Amazon Polly and ElevenLabs, or your own ElevenLabs / Fish Audio account |
| Voice cloning | Record a voice in the browser and clone it on your ElevenLabs or Fish Audio key |
| Website chat | A widget on your site with your colour, image and greeting |
| Social DMs | Messenger, Instagram, WhatsApp, Telegram, LINE, Viber, Slack, Discord, Bluesky, Reddit, X |
| Inbox | |
| One list | Every channel's conversations together, newest first, tagged by channel |
| Filters | By channel, by mailbox or number, or by agent |
| Takeover | Reply yourself and the agent stands down on that thread |
| Hand back | Return the thread to the agent when you are done |
| Campaigns | |
| Multichannel sequences | Email, text and call steps in one campaign, each with its own timing |
| Send conditions | Send a step only if they opened, did not open, clicked or did not click |
| Schedule | The days, hours and time zone anything may be sent |
| Stop rules | A reply, a booking or an opt-out on any channel ends the sequence |
| Pacing | Per-mailbox and per-number hourly limits, pausable and resumable |
| Review before start | The full plan is shown; a campaign sends nothing until you start it |
| Templates | Email, text and call scripts, saved once and reused |
| Analytics | |
| Funnel | Reached, replied, visited, converted, plus value won and time to convert |
| By channel | Where each person started, and the channel they converted on |
| Pages | Which pages known people read, and how many of them converted |
| Journeys | One row per person: every message, visit, call and booking in order |
| Goals | A page rule or a manual "won", each with a dollar value |
| Triggers | A known person returns to a page — notify you, or send a follow-up |
| Open and click tracking | Recorded per campaign and added to that person's history |
| Integrations | |
| Calendars | Google, Microsoft 365, Calendly, Cal.com, Acuity, Zoho, Square, HubSpot Meetings |
| CRMs and commerce | HubSpot, GoHighLevel, Housecall Pro, ServiceTitan, Jobber, Stripe, Shopify, WooCommerce, Wix, Squarespace |
| Booking | Real open slots offered, and only an offered slot can be booked |
| CRM import | Import a segment of customers into a contact list |
| Deliverability and compliance | |
| Mailbox warm-up | Ramped sending across the network, with spam rescue and replies |
| Health score | SPF, DKIM, DMARC, bounce rate and inbox placement, with reasons |
| Auto-rest | A failing address is removed from rotation automatically |
| Unsubscribes | One click, honoured automatically, including on queued mail |
| Reply limits | One reply per thread, per-sender daily and per-channel hourly caps |
| Filtering | Bounces, out-of-office and no-reply addresses ignored |
| List building | |
| Contact extraction | Emails, phone numbers and social profiles, on any site. Unlimited. |
| Deep scan | Follows the pages of a domain most likely to carry contact details |
| Domain queue | Load a CSV of sites and work through them one at a time |
| Contacts and lists | Unlimited, by email or phone, with CSV import and export |
| AI | |
| Your own key | Sixteen providers, including any OpenAI-compatible endpoint you host |
| What we charge for AI | Nothing — no markup, no metering, no credit packs |
| On calls | Uses your provider's fastest model automatically |
| Account | |
| Platforms | Chrome side panel and web dashboard on one login |
| Members' forum | Six boards, visible only once you are signed in |
| Referral program | $50 a year per referral ($5 a month), recurring for the life of the account |
| Support | support@boldagents.co |
Billed monthly. No add-ons, no seat tiers. Cancel anytime.
$16.67 a month, billed once a year. No add-ons, no seat tiers. Cancel anytime.
No software makes an agency compliant, and we do not claim to. What you get is the set of controls a compliant operation runs on: a sending window with days, hours and time zone per campaign; an opt-out honoured on every channel, including on messages already queued; one reply per thread, a daily cap per sender and hourly caps per number; templates you write, so the disclosures your counsel requires go out every time; and a full record of every contact with timestamps, transcripts and recordings. Whether your sequence, wording and call frequency meet the FDCPA and Regulation F, the FCA's rules, or the rules of the states you are licensed in, is your decision and your responsibility, exactly as it is when a collector places the same call.
It can, but the way an agency is meant to use it is one agent per client, and the isolation is the reason. A knowledge base belongs to one agent only, and content from one agent is never used to write a reply for another, so a consumer on one book cannot be told something that was true of a different creditor. Each agent has its own mailbox, number, templates, instructions, contacts and analytics. Unlimited agents are included in the plan, so there is no cost to keeping the books apart, and a client login is scoped to a single agent, which only works if that agent holds only that client's accounts.
One agent, the one you gave them. Its inbox with every email, text, call transcript and recording on their accounts, in one list, newest first, tagged by channel. The numbers and mailboxes it sends from. Its analytics: accounts reached, replied, paid, the value recovered and the channel that got the payment. And a reply box, so they can step into a thread with their own customer, with the agent standing down until they hand it back. They do not see the knowledge base, the instructions, the campaign builder, your API keys, your settings, your billing, or any other client on your account. Access is deny-by-default.
No, and both are deliberate. It links to the payment page on your site or the client's that you allowed it to link to, and it tells you when a consumer says they have paid. Marking an account paid is done by a collector, or by the client from their own login, and that is what ends the sequence. A request for a plan is one of the situations you write into its instructions as a hand-over, so "can I pay half now?" lands in the inbox with the agent standing down on that account. It makes only the offers you permitted in its instructions, and it does not negotiate beyond them.
You name those situations in its instructions, and when a reply matches, the thread lands in the inbox with the agent standing down on that account until a collector hands it back. A written request to stop contact is treated like any other opt-out: the sequence ends on every channel and anything queued to that consumer is cancelled. The thread, with its timestamps and the material the agent used for every reply it sent before the dispute, is on that account's row, so the collector who picks it up has the whole history and the client can see it from their login.
Yes, on your own Twilio number, as a step in the client's sequence. It speaks in real time from the script you saved for that client, answers the consumer's questions from that client's material, and uses your provider's fastest model so it does not leave silences. The recording and the transcript are stored against the account. Answering and dialling are separate switches, so an agent can pick up when a consumer calls the number back without being allowed to dial out, or the other way round. How many calls it may place is governed by the daily cap per sender and the hourly cap per number, which you set.
Nothing per client and nothing per account. The plan is $25 a month or $200 a year for the whole account, with unlimited agents, unlimited contacts and unlimited lists, and a client login included with every agent. There is no per-seat, per-sub-account or per-client price, and no percentage of what any book recovers. You pay your carrier for texts and calls and your AI provider for the model, both at cost, typically a few dollars a month per agent. Many agencies put a client's agent on a key the client holds, so the model usage is billed to the client directly.
Yes. Connect the client's own accounts@ mailbox, with an app password for Gmail or Outlook or as an SMTP and IMAP host, and their own carrier account for texts, and the reminders leave from the client's address and number in the client's voice. Connect their HubSpot, GoHighLevel, Stripe, Shopify, WooCommerce or Jobber and the agent reads what is open on an account before it writes. The client logs into their agent and watches it work, and can mark an account paid from there, which ends the sequence. Your process runs behind their name, and nothing about your account or your other clients is visible to them.
One subscription, unlimited agents. What changes is the knowledge base, the channels and the instructions.
Build their agent, connect their mailbox and number, load the placements, read the plan, press Start. Every account is worked, every contact is kept, and the fee is yours.
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