Charge-offs aren't lost at day 120.They're lost at day 10.
DROS works your entire delinquent book from day 1 past due - every account, every day, on every channel. Accounts cured in the first bucket never roll, never age, never charge off.
Every account cured early is a charge-off that never happens.
Your book grows daily. Your dialer team doesn't.
So teams triage - oldest and biggest balances first - while early-stage accounts sit untouched through the days that decide them.
accounts touched per day. One channel. Business hours. Most calls unanswered.
of your book worked every day it should be - call, text, and email, at any volume.
Illustrative capacity - actual dialer throughput varies by shop.
A different play for every bucket. Automatically.
DROS runs the right cadence, tone, and offer for where each account actually is - within rules you set.
Cure it before it rolls
Friendly, brand-safe outreach from day 1. Most borrowers here just need a nudge and an easy way to pay.
- →Payment reminders on the borrower's channel
- →Secure pay links in every message
- →Payment date moves, booked instantly
Turn contact into commitment
Escalated cadence and real negotiation - the Promise-to-Pay Engine works within the terms you approve.
- →Split payments and plans, auto-booked
- →Broken promises chased same-day
- →Right-party contact verified on every touch
Escalate with full context
Accounts that need judgment route to your team - or your agency - with the entire conversation history attached.
- →Hardship and disputes flagged to humans
- →Clean handoff files, nothing re-asked
- →Every prior touch logged and traceable
It's your brand talking. Not a collection agency.
First-party outreach is a retention moment, not just a recovery one. Borrowers who get treated well come back for the next loan.
- →Your scripts, your tone, your disclosures
- →Patient conversations, 24/7, in the borrower's language
- →A person is always one ask away - routed with full history
First-party outreach, held to third-party standards.
Every interaction scripted, logged, and audited automatically - so growth in outreach volume never becomes growth in regulatory risk.
Results from teams running DROS.
"DROS does the outreach we never had the staff for, and every call comes back fully logged and compliant. It pays for itself."
Darryl Brown - Principal, Greystone & AssociatesWant to hear what your AI collections agent sounds like?
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