Compliance you can hear. Not just read about.
The full call, uncut — an ID check that fails, a consumer who has just had a death in the family, and a payment plan set on their terms.
Recorded demonstration of the Overtime outbound agent. The creditor, account and consumer are fictional — no real consumer data or recordings are used.
What you just heard
One call proves it can. The reason to run it is that call four thousand sounds exactly like call one — and that you can prove that too.
The consumer gave the wrong zip code. The agent didn't guess, didn't proceed, and didn't disclose a balance — it re-prompted, verified against a second factor, and only then delivered the Mini-Miranda. That order is the whole compliance argument, and it held under a wrong answer.
No push back to the full balance. It acknowledged the loss, offered an arrangement with no obligation to commit, and asked what was actually manageable — then took the consumer's number and the consumer's payment date rather than proposing its own.
$100 a month on the 20th, resolved in roughly ten months, authorization read back and confirmed, secure payment link delivered mid-call, written confirmation with the right to modify or cancel. Empathy and a booked arrangement were not a tradeoff.
Who we work with
The same Voice Agent, configured to the rules, disclosures and systems each industry actually runs on.
Early-stage delinquency and consumer loan portfolios, worked without pulling members into a collections-first experience.
High-volume, low-balance arrears with seasonal spikes — plus payment arrangements and disconnection-notice workflows.
Patient balance resolution that stays HIPAA-aware and reads as patient experience rather than collections.
Third-party agencies and debt buyers who need FDCPA and Reg F enforced on every contact, with audit-ready reporting.
Where to start
Overtime extends what already exists. Pick one segment, keep your platform, keep your people, and watch what happens to it.
Entry point
Overtime answers calls the moment they come in and keeps work moving outside business hours. Contact and resolution rates increase as coverage expands.
Entry point
Overtime works inventory your team doesn't have time to touch and turns it into recovered revenue. This segment often becomes profitable without adding headcount.
Entry point
Overtime resolves routine calls instantly and routes complex cases with full context. Agents spend less time on volume and more time where judgment matters.
Entry point
Overtime expands coverage without hiring, training, or turnover constraints. Teams deliver consistent interactions across segments that are typically hardest to support.
Succeed · Save · Safeguard
Success isn't measured in conversations. It's measured in recovery performance, cost to collect, compliance, and consumer experience.
Increase recoveries with automated, voice-first, multilingual AI agents purpose-built for collections.
Reduce operational costs while scaling performance.
Protect your clients, your agency and your consumers with compliance built into every interaction.
Built by the industry. For the industry.
Most AI platforms are built by technologists learning collections. Overtime was built by leaders with decades of experience across collections, healthcare revenue cycle, debt buying, and first-party servicing.
That experience is embedded into every workflow, strategy, and AI interaction — which is why implementation looks like an operations project instead of a science experiment.
Overtime combines voice AI, dialing infrastructure, compliance controls and performance tracking into a single system. That's what lets outcomes scale, rather than just activity.
The first 30–60 days
Most teams start with one segment. Performance becomes clear quickly, and expansion follows the data.
Work with Overtime's solutions team — debt recovery professionals who understand how the operation actually runs — to define target segments and outcome goals.
Overtime integrates into the existing environment, begins handling calls, and tracks performance across contact rates, promises to pay, and payments collected.
Within 30–60 days, performance data is clear and the path to scale is defined — segment by segment, on your terms.
Typical outcomes observed in focused implementations. Actual results depend on portfolio, segment, and client policy.
Before you book
You just heard it. Overtime agents are voice-first — built to hold a natural, interruptible conversation, handle objections, and stay calm through the difficult calls. The agent identifies itself as an automated assistant where disclosure is required.
Compliance is enforced in the workflow, not left to the conversation. Disclosures, identity verification, permitted calling hours, contact-frequency limits and third-party disclosure rules are configured up front and applied on every interaction.
Every call is recorded, transcribed and auditable, with configurable call policies per client. Workflows are designed against FDCPA, TCPA, Reg F and HIPAA requirements, plus your own client and brand standards.
Overtime integrates with leading collection systems, CRMs and payment platforms using APIs or secure file transfers. Most organizations deploy in approximately 30 days without replacing their existing technology, starting on a single segment your current setup isn't covering well.
No. Overtime supports teams rather than replacing them. It expands coverage, removes variability, and makes sure more accounts get worked consistently across every hour of the day. Your collectors spend more time on the accounts where judgment and negotiation matter.
Third-party agencies, debt buyers, healthcare organizations and first-party receivables teams — generally with 50 or more collectors and enough inventory that coverage, not effort, is the constraint. If you're smaller than that, this probably isn't the right fit yet, and we'll tell you on the call.
Executives, operations and compliance teams get real-time dashboards showing right party contact, promises-to-pay, recovery rate, payment activity, AI performance and compliance reporting.
Recover more revenue. Lower your cost to collect. Stay compliant by default. Bring a segment you aren't working today and we'll show you what Overtime would do with it.
Work email only. You'll unlock the full recording and the annotated transcript, right here on this page.
No sales call unless you ask for one. We'll use your email to send the call and occasional updates from Overtime — unsubscribe any time.
Bring a segment you aren't working today — small balances, after-hours, inbound overflow, Spanish-language. Twenty minutes, with someone who has run a collections floor.