More Context in Every Decision
Account history, prior outcomes, contact preferences, eligibility and approved offer parameters can inform the conversation.
AI Voice Resolution
AI Voice.
Debt Collection.
Every call. A better decision. ZeroBalanz is designed to help creditors, lenders and collection agencies resolve high-volume receivables through AI voice conversations, portfolio intelligence and approved negotiation rules.
24/7 Capacity1:1 Negotiation100% AI-DrivenInitial Focus Auto + Consumer Credit
The ZeroBalanz Story
See ZeroBalanz in Action.
One intelligent platform for natural conversations, consistent decisions and scalable debt resolution.
The Decision Advantage
Voice Is the Interface. Intelligence Is the Edge.
A collector can focus deeply on the account in front of them. ZeroBalanz is designed to see the entire portfolio—and use more context, more consistently, to select the next best action for each account.
One collector sees one account.
ZeroBalanz sees the entire portfolio.
The Same Rules, Every Time
Approved policies can be applied consistently across shifts, teams and portfolio volume.
Learn at Portfolio Scale
Outcomes can feed a measurable operating loop—revealing which strategies create durable resolutions.
Before · During · After
Intelligence Across the Resolution Journey.
Better results begin before the phone rings and continue after the promise is made. ZeroBalanz is designed to coordinate the full decision cycle.
Choose the Next Best Action
Prioritize the right account, channel, timing and strategy instead of treating every balance the same.
Adapt Within Guardrails
Listen, respond and negotiate naturally while staying inside approved language, offers and autonomous decision rules.
Improve the Next Decision
Capture dispositions, commitments and outcomes so the next interaction starts with more intelligence.
The Best Agreement Isn’t the Highest Promise.
It’s the One That Gets Completed.
Resolution quality matters. ZeroBalanz is designed to match the conversation and offer to the account context—pursuing commitments that are both responsible and more likely to hold.
Optimize for Completion
Measure kept agreements, not just promises captured.
Evidence for Better Targeting
Smarter Decisions Can Move Repayment.
In a randomized field experiment involving 7,839 delinquent borrowers, algorithm-directed call selection outperformed human-directed selection while using fewer calls on average. Read the Study
53.24%Repayment Rate With Algorithm-Directed Call Selection
43.14%Repayment Rate With Human-Directed Call Selection
3.50Average Calls in the Algorithm-Directed Group
3.82Average Calls in the Human-Directed Group
Independent research result—not a ZeroBalanz performance claim. The algorithm selected which borrowers to call; human agents conducted the calls. Results may not generalize to every portfolio or operating environment.
Full Autonomy
AI From First Contact to Final Outcome.
ZeroBalanz is built around a deliberate choice: complete AI execution. The agent carries every account through its approved resolution path without handing the conversation to a human collector.
The Agent Executes
One Continuous Resolution Experience
- Account Prioritization and Outreach
- Identity and Intent Workflows
- Approved Offer Presentation
- Negotiation and Payment-Plan Conversations
- Disposition and Follow-Up Capture
The System Decides
Resolve Autonomously—or Close the Path
- Apply Approved Negotiation Boundaries
- Recognize Disputes and Hardship Signals
- Pause or End Conversations When Required
- Record Unresolved Outcomes Clearly
- Learn From Portfolio-Level Results
Governed AI vs. Human Variability
A Bad Day Shouldn’t Become a Compliance Event.
AI is not exempt from collection rules. Its advantage is that approved rules can be encoded, enforced and evidenced across every conversation—without fatigue, pressure or improvisation changing the standard.
Human Variable
Required language may be paraphrased, shortened or delivered at the wrong point in a call.
Governed AI Control
Approved disclosure logic can control what is said and when it is delivered.
Human Variable
Calling windows, prior attempts and consumer preferences may be missed across disconnected systems.
Governed AI Control
Contact windows, attempt policies, consent and channel rules can be checked before outreach begins.
Human Variable
A collector under pressure may improvise an offer, promise or statement outside approved policy.
Governed AI Control
Offer limits, plan terms and prohibited actions can remain bounded by creditor-approved rules.
Human Variable
Supervision often depends on sampled calls, notes and coaching after the interaction has ended.
Governed AI Control
Every interaction can produce a transcript, disposition and decision trail for review.
Human Variable
Fatigue, emotion and individual judgment can change how disputes, hardship or opt-outs are handled.
Governed AI Control
Defined stop rules can consistently pause outreach, end the call or record an unresolved path.
Compliance depends on the use case, jurisdiction, consent, data and program configuration. Controls support—but do not replace—legal review and an effective compliance-management system. Review the CFPB Debt Collection Rule FAQs and the Fair Debt Collection Practices Act.
Control by Design
Autonomy Needs Boundaries.
ZeroBalanz is designed around configurable operating controls, visible decisions and deterministic stop conditions—so complete automation still operates within defined rules.
Contact Governance
Configure calling windows, frequency policies, consent and channel rules for the operating environment.
Negotiation Guardrails
Define eligible offers, settlement floors, plan parameters and the conditions that require review.
Interaction Records
Maintain transcripts, dispositions, commitments and the decision context behind each outcome.
Autonomous Stop Rules
Define when the agent pauses outreach, ends a conversation or records an account as unresolved.
Compliance depends on your use case, jurisdiction, data, consent practices and operating configuration. Product controls support a compliance program; they do not replace legal review. See the CFPB Debt Collection Rule FAQs.
Who We Serve
Built for Portfolios That Demand Scale.
ZeroBalanz adapts its resolution strategy to the debt, consumer relationship, operating model and policy boundaries behind each portfolio.
01
Debt Buyers & Portfolio Owners
Turn aged and charged-off accounts into prioritized, measurable resolution opportunities.
02Collection Agencies
Add autonomous capacity while preserving client-specific rules and portfolio strategies.
03Banks, Credit Unions & Fintechs
Protect the customer relationship with consistent, policy-governed conversations.
04Healthcare Receivables
Handle sensitive financial conversations with defined options and respectful execution.
05Telecom, Utilities & Service Providers
Resolve high-volume balances without allowing volume to dictate conversation quality.
Not sure which model fits? We’ll evaluate a representative portfolio and recommend the structure with the strongest resolution economics.
Start With a Three-Month PilotPartnership Models
Choose the Partnership That Fits Your Portfolio.
Every portfolio has different economics. The right solution reflects account volume, debt age, average balance, contact history and the resolution strategies you authorize.
Performance PartnershipRecommended for Pilots
Align Costs With Successful Outcomes.
A predictable platform commitment combined with a performance fee based on cleared payments—not promises or scheduled balances.
Best For
- Aged or Charged-Off Portfolios
- Three-Month Proof-of-Concept Programs
- Variable Monthly Account Volume
- Outcome-Aligned Economics
Portfolio Partnership
Create Predictable Resolution Capacity.
A customized monthly commitment based on portfolio size, workflow complexity, and expected contact volume, with a reduced performance component.
Best For
- Large Recurring Portfolios
- Consistent Monthly Account Placement
- Enterprise Collection Operations
- Predictable Operating Costs
Measure What Matters
From Activity to Resolution Economics.
A modern collection operation should show what happened, why it happened and whether the resulting agreement held.
01 Right-Party Contact Rate
02 Resolution Rate
03 Promise Completion Rate
04 Dollars Recovered
05 Cost per Resolved Account
06 Calls per Resolution
07 Autonomous Completion Rate
08 Opt-Outs and Complaints
Common Questions
What Portfolio Owners Ask First.
What Types of Portfolios Can ZeroBalanz Support?
Programs can be designed around consumer receivables such as financial services, healthcare, auto, utilities, telecom and property-related balances. Portfolio fit depends on account quality, documentation, age, balance, jurisdiction and the resolution authority provided.
How Does ZeroBalanz Connect to Our Operation?
A pilot begins with a defined account placement and outcome-return workflow. The final integration approach depends on your systems, security requirements, payment process and the data needed to support each approved resolution path.
How Long Does a Pilot Take?
The recommended proof of concept runs for three months. Before launch, both teams define the eligible portfolio, contact policies, negotiation boundaries, stop rules, success measures and reporting cadence.
Does the Agent Transfer Calls to Human Collectors?
No. ZeroBalanz is designed for complete AI execution. The agent either completes an approved resolution path or applies the configured stop or unresolved outcome.
How Are Solutions Structured?
ZeroBalanz offers performance and portfolio partnership models tailored to each program. The right structure depends on account volume, debt age, average balance, contact history, workflow complexity and authorized resolution strategies.
How Are Compliance Controls Handled?
Each program is configured around creditor-defined contact rules, disclosures, negotiation limits, stop conditions and recordkeeping requirements. These controls support—but do not replace—the client’s legal and compliance program.
Build the Resolution Strategy
Put Your Portfolio in Motion.
Let’s map where autonomous AI voice and portfolio intelligence can create the most value in your operation.
Start the Assessment