An AI debt collection agent that sends the reminder on day 1, the text on day 4 and places the call on day 8, answers "what is this for?" from your own records, and stops the moment the customer pays, replies or asks it to. Inside the hours you set, with every message kept.
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The first reminder leaves the morning the invoice falls due, from the accounts@ mailbox your customers already know, not from a third-party domain that looks like a scam. Connect Gmail or Outlook with an app password, or any other mailbox as an SMTP and IMAP host, and the agent sends and reads replies through it.
Each step of the sequence is a saved template with the invoice details filled in. A reply comes back over IMAP and is answered from the same address it arrived at, by the agent, with the material you gave it.
Email gets ignored. A text on your own number, through Twilio, Telnyx or one of seven other carriers, gets read. The text step carries the sending window, the texts-per-hour pace for the number, and the Reply STOP line, and a reply of STOP is honoured on every channel at once.
The call step dials on your own Twilio number. The agent speaks in real time from the script you saved, answers the customer's questions from your material, and takes a promise to pay or a dispute back to your inbox with the full transcript and recording.
Every reminder, reply, text and call transcript lands in one inbox, newest first, tagged with the channel and the account. Filter it to a single number, a single mailbox or a single agent when you are working one book of debt.
When a customer raises a dispute, or asks for a payment plan, or says they have already paid, you reply in the thread yourself and the agent stands down on that account. Hand the thread back when the arrangement is agreed and the sequence resumes or ends, as you decide.
One row per customer, every message, call and reply in the order it happened. Every reply the agent wrote is stored alongside the material it was generated from, so when a customer says "nobody told me", the thread and its timestamps are there.
The dashboard counts people, not messages: how many accounts the agent reached, how many replied, how many converted, and the value recovered against a goal you set with a dollar figure.
Most businesses do not have a collections problem. They have a follow-up problem that shows up in the receivables. The invoice is right, the customer intended to pay, and then nothing happened for forty days because reminding people is the job that always moves to tomorrow. An AI debt collection agent exists to do the tomorrow job today, on every account, without the awkwardness that makes a person put it off.
Bold Agent Kit gives you one agent that works your overdue list across email, text messages and phone calls. You write the sequence once: the tone of the first reminder, the firmer note on day ten, the offer of a payment plan, the point at which a person takes over. You set the days, the hours and the time zone it may contact anybody. 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, a booking, or an opt-out on any channel.
It answers, too. When a customer replies "what was this for?" or "how do I pay?", the agent answers from the material you gave it, links only to the payment page on your own site that you allowed, and, with your CRM or store connected, reads what is actually outstanding on that account before it writes a word. Nothing is invented and nothing is improvised. What it says is what you instructed it to say, and every reply is stored with the source it came from.
It is not a collections agency and it does not take a cut. It is software, on your own accounts, at $25 a month for as many agents and as many accounts as you have. You pay your carrier for the texts and calls and your AI provider for the model, both at cost and both a few dollars a month. The money it recovers is yours.
The money is owed and the customer usually meant to pay. Four things get in the way, and none of them is the customer.
An invoice falls due, and the reminder waits until somebody runs the aged debtors report on Friday. By then it is a week overdue, the customer has forgotten what it was for, and a routine reminder has become an awkward one.
One chase, maybe two, then the list goes quiet. The accounts that need a fifth and a sixth touch, on the right day, on a different channel, are exactly the accounts that never get them, because nobody in a small team has the afternoon.
Email is easy to ignore. The phone call works, and it is the step everybody avoids, so the account that would have paid after a two-minute conversation sits for another month while the email count climbs.
"They said they would pay on Friday" lives in one person's head, or in a note that never made it into the system. When the customer disputes the debt, there is no thread with timestamps to point at.
You build the collections agent once. From then on it works your overdue list on the channels you connect, on its own, and only fetches you for the conversations that need a person.
An email on day 1, a text on day 4, a call on day 8, a firmer email on day 14, and on for as long as you set. Each step has its own delay and send condition, and nothing goes out on a day or at an hour you have not allowed. The whole plan shows on a review screen before the first send.
It reads the connected CRM or store to see what is open on the account before it writes. "What was this for?", "how do I pay?" and "can I pay half now?" are answered from your documents, your Q&A pairs and your data points, and it links only to the pages of your site you allowed.
A payment you mark, a reply, a booking, or an opt-out on any channel ends the sequence on every channel, and any reminder already queued to that customer is cancelled. A dispute or a hardship request goes to your inbox and the agent stands down on that account.
The text step of a collections sequence carries the number it sends from, how many texts an hour that number may send, the sending window, and the Reply STOP line. A reply of STOP is honoured on every channel at once, and any reminder already queued to that person is cancelled. The campaign is created as a draft and shows the whole plan before it starts. It sends nothing until you press Start.
Every message and every call transcript is stored against the account, alongside the material the agent used to write it. When a customer says "nobody told me", the thread, its timestamps and the recording are there.
Each one answers a problem above, and each one runs without anybody remembering to do it.
The first contact goes out the morning the invoice falls due, on the channel you chose, before the account has a chance to become a difficult one.
Email, text, call, email again. The sequence runs to its end on every account unless the customer pays, replies or opts out, and it never gets bored.
An old email address may be dead. The phone number usually is not. An ignored email is followed by a text, and an ignored text by a call on your own number.
Timestamps, transcripts, recordings, and the source of every reply, on one row per account, ready for the dispute, the auditor or the solicitor.
Every reminder, reply, call and payment is recorded against an account and reported as a funnel, per agent and across all agents. This is the part that tells you which step of the sequence actually gets people to pay.
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 converted, with the total value recovered and the median time it took. Set a goal with a dollar value and a collections campaign reports what it brought in, not just how many emails it sent.
Below the funnel, a channel table shows where each account first responded and which channel it was on when it paid, so you learn whether it is the text or the call that moves your customers. One row per account shows the whole history in order, and visit triggers close the loop: when a known customer opens the payment page and leaves without paying, the agent can follow up after a delay on the channel they last used.
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 person, a separate service or a separate tool, and most of them are paid per account, per letter or as a percentage of what they recover. Here they are one plan.
| The job | What it normally takes | Bold Agent Kit |
|---|---|---|
| Sending the reminder on the due date, every time | A bookkeeper with a calendar reminder, or a template nobody sends | Included |
| Chasing six times across email, text and phone | A credit controller, or an outsourced collections team | Included |
| Making the phone call | The step everyone avoids, or a call centre priced per minute | Included, on your own number |
| Answering "what is this for?" and "how do I pay?" | The same person, interrupted, from memory | Included, from your records |
| Honouring opt-outs and sending hours | A spreadsheet and good intentions | Included, enforced on every channel |
| A record of every contact for a dispute | Sent folders and sticky notes | Included, per account, with recordings |
| Handing the difficult accounts to a person | Everything is handed to a person | Only the ones you named |
| The fee | 15% to 35% of what a collections agency recovers | $25 a month. You keep what it recovers |
Bold Agent Kit is $25 a month, or $200 a year, for the whole account: every agent, every channel, every overdue account, no percentage of anything. The only other costs are your carrier's, for texts and calls, and your AI provider's, typically a few dollars a month.
The same agent covers all of these. Many accounts run one per ledger, one per client, or one per stage of the process.
A business collecting its own receivables. The agent works the aged debtors list on a sequence you wrote, from your own accounts@ address and your own number, and only involves you when a customer disputes, asks for a plan, or says they have paid.
A collections agency or credit control bureau running several clients. One agent per client, each with its own mailbox, number, script and knowledge base, and nothing shared between them. Invite the client into their own agent and they see their accounts, their conversations and their recoveries, and nothing else.
A subscription business with failed payments. Import the segment of lapsed cards from Stripe or the store, run a short, friendly sequence at it, and let the agent answer "how do I update my card?" with the link to the right page.
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. 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, choose a model and paste your API key. Then give it what it needs to answer a customer who owes you money: your terms of trade, your payment methods and the payment page it may link to, your Q&A pairs for "what was this for?" and "can I have more time?", and your hours as a data point so it never promises a callback at the wrong time.
Write the instructions last: how firm it should be at each stage, which offers it may make, and the exact situations in which it should stop and fetch you. A dispute, a hardship claim and a request for a payment plan are the usual three.
Add the accounts@ mailbox, a number for texts and calls, and the CRM or store that holds the invoices, so the agent reads what is outstanding before it writes. Each one runs on your own account, so the reminders come from you and the reputation stays yours.
Then import the overdue list: a CSV export from your accounting software, or a segment pulled straight out of the connected CRM.
Build the sequence across the channels you want, set the days, hours and time zone it may contact anyone, and read the whole plan on the review screen: every account, every step, every date. Nothing leaves until you press Start.
Then watch the inbox. Replies are worked by the agent; disputes and plans come to you; payments you mark end the sequence. Pause the campaign at any point and resume it later.
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 |
No credit card to start. Billed monthly. No add-ons, no seat tiers. Cancel anytime.
No credit card to start. $16.67 a month, billed once a year. No add-ons, no seat tiers. Cancel anytime.
It gives you the controls compliance needs: a sending window with days, hours and time zone; an opt-out honoured on every channel, including on messages already queued; one reply per thread and daily caps per sender; and a full record of every message and call, with timestamps and recordings. What the agent says is what you instructed it to say, and nothing else. Whether your sequence meets the rules where you operate, such as the FDCPA and Regulation F in the United States or the FCA's rules in the United Kingdom, is your decision and your responsibility, exactly as it would be with a member of staff making the same calls.
No, and that is deliberate. It links to a payment page on your own website that you allowed it to link to, and it tells you when a customer says they have paid. Marking an account settled is done by you, or by the connected store when the invoice closes, and that is what ends the sequence.
From the systems you connect. With a CRM or store connected it reads what is open on that contact before it replies. Beyond that, the answers come from the knowledge base you gave it: your terms, your Q&A pairs and your data points. It does not guess at a balance it cannot see.
That is the kind of message you tell it to hand over. Write the rule in its instructions, and when a reply matches, the thread lands in your inbox with the agent standing down on that account until you hand it back. The same applies to hardship requests, payment plans, or anything else you name.
Yes, on your own Twilio number, as a step in the sequence. It speaks in real time from the script you saved, using your provider's fastest model so it does not leave silences, and it keeps the recording and transcript against the account. Answering and dialling are separate switches, so it can also pick up when a customer calls back.
It sends what the sequence says and no more: one reply per thread, a daily cap per sender, hourly caps per number and mailbox, inside the window you set. A reply of STOP, an unsubscribe or an opt-out on any channel ends the sequence on every channel and cancels anything queued. It is more disciplined than a person, not less.
Yes. One agent per client, each with its own mailbox, number, knowledge base and instructions, and nothing shared between them. Unlimited agents are included in the one plan, and you can invite a client into their own agent with their own login so they see their accounts and nothing else.
Nothing per account. The plan is $25 a month or $200 a year for the whole account, with unlimited agents, contacts and lists. You pay your carrier for texts and calls and your AI provider for the model, both at cost, and typically a few dollars a month. There is no percentage of what it recovers.
One subscription, unlimited agents. Most accounts run several, one per job.
Load the overdue list, write the sequence, read the plan, press Start. Every account is chased, every conversation is kept, and the money it recovers is yours.
14-day free trial · No credit card · Cancel anytime