Recover More Revenue with Respectful, Compliant AI.
Transform your collections process with Voice AI that improves Right Party Contact rates and negotiates payments empathetically.
Recovery Rate Improvement
Early-stage intervention with Voice AI significantly boosts recovery rates compared to passive SMS or email.
Current Challenges in Collections
Low RPC Rates
Human agents waste 70-80% of their time dialing numbers that disconnect, go to voicemail, or are wrong numbers.
Compliance Risks
Strict regulations (FDCPA, various state laws) make manual compliance difficult. One slip-up by an agent can lead to lawsuits.
Agent Turnover
Collections is a high-stress job with massive turnover. Training new agents constantly is expensive and inefficient.
The Oravaa Financial Advantage
Judgment-Free Empathy
Debtors are more likely to discuss financial hardship with an AI than a human. Oravaa removes the shame factor, leading to better outcomes.
100% Script Adherence
Our AI follows your compliance scripts perfectly. Every Mini-Miranda warning and disclosure is spoken exactly as required, every single time.
Smart Negotiation
You set the boundaries (e.g., "Accept 50% down"). The AI negotiates within those bounds to close the deal immediately.
How it works
Portfolio Segmentation
Upload your accounts. We segment them by age, amount, and risk to determine the best calling strategy.
AI Negotiation
Oravaa calls borrowers, verifies identity, and negotiates payment plans within your pre-set limits.
Secure Payment
We can transfer calls to a secure payment IVR or send a secure payment link via SMS during the call.
Use cases
Debt Collection
Automate early-stage collections with empathetic AI that negotiates payment plans and improves recovery rates.
Payment Reminders
Proactive courtesy calls before due dates to prevent delinquency and maintain positive customer relationships.
Skip Tracing Verification
Efficiently verify contact information and right-party contact (RPC) at scale before assigning human agents.
Loan Applications
Assist customers in completing complex loan applications over the phone, reducing drop-off rates.