Debt buyers who self-collect
The engagement OS fordebt buyers who collect
You bought the portfolio. Now run outreach on it - with AI agents, human collectors, and compliance guardrails working together in one OS, per acquisition.
One workspace per portfolio acquisition
AI + human agents in the same OS
Compliance guardrails built into the engagement layer
The self-collect reality
Most debt buyers run collections without infrastructure built for it.
You have the portfolio. The problem is running outreach on it cleanly - across accounts, channels, and collectors - without stitching together tools that weren't designed to work together.
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Accounts loaded, then what?
You import a portfolio file and end up with a flat list of accounts. No prioritization logic, no channel strategy, no clear ownership of who works what - just a spreadsheet or a basic dialer queue.
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No single view across agents and channels
AI outreach, human collectors, and inbound calls all touch the same accounts - but there's no unified timeline. Contacts get repeated, context gets lost, and the left hand doesn't know what the right hand did.
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Compliance logic lives outside the system
Call rules, consent handling, and Reg F guardrails are in someone's head or a policy doc - not encoded into the platform. One missed revocation or off-script exchange can create exposure across the whole portfolio.
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The fix isn't a better dialer - it's an OS layer above it
DROS sits above your existing tools and gives you engagement strategy, AI and human coordination, and compliance logic in one place - so every contact attempt on every account follows the same rules, automatically.
Built for your team
Whether you're running a lean team or building a proper collections operation
Select a role to see what DROS changes for you.
Portfolio Owner / Principal
See what your acquisition is actually doing.
→One workspace per portfolio - accounts, contacts, and outcomes in one place
→AI covers volume outreach so you're not paying for headcount to reach every account
→Know which accounts are in AI hands, which are in human queues, and which have been resolved
→Add a new acquisition as a new workspace - same rules, running in parallel without extra setup
Portfolio workspaces
One workspace per acquisition. Every account in its own context.
Load a portfolio into DROS and it becomes its own workspace - accounts, engagement history, and guardrails kept separate from every other acquisition you're running at the same time.
DROS
Debt Resolution OS
Meridian Recovery LLC
All Workspaces
Q1 2025 - Retail Credit
FY24 Auto Deficiency
Q2 2025 - Mixed Consumer
Mar Telecom Batch
+ Create Workspace
Total to Collect
$4,182,340
Outstanding balance
$
Total Collected
$318,750
All time collections
✓
Total Accounts
3,847
Active accounts
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↗
Collected Payments
May 2025$84,200
Apr 2025$116,950
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Scheduled Payments
Jun 2025$143,200
Jul 2025$97,400
Each workspace shows its own dashboard - totals, scheduled payments, and activity are scoped to that acquisition only.
Multiple acquisitions run in parallel - never mixed together
Add a new portfolio as a new workspace. Engagement rules, account history, and compliance state stay separate from every other acquisition you're working.
Context-aware AI agents
AI that knows what's already happened on every account
Charged-off accounts have often been contacted before - by you, or by a previous collector. DROS AI never calls blind. It works from every prior attempt, outcome, and consumer signal already logged in that workspace.
What the AI sees before every contact attempt
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Account loaded - Q2 2025 Acquisition
Balance $2,840 · Charged off Mar 2024 · No prior contact in this workspace
Day 1
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AI voice attempt - no answer
Voicemail left. Required disclosures delivered. Callback link sent via SMS.
Day 3
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AI SMS - consumer replied "call me after 6"
Preference logged. Outreach window updated. Next attempt scheduled 6-8pm.
Day 5
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AI voice - right party connected
Called at 6:14pm per consumer preference. Opened with prior voicemail reference. Consumer asked about payment options - AI offered 3-month plan within approved threshold.
Day 7 · Now
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Every prior attempt is context
The AI knows what was said, what the consumer signalled, and what was promised - on every prior interaction in that workspace. No repeated intros, no ignored preferences.
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Timing and channel adapt per account
Consumer said evening only? Replied to SMS but not calls? The AI adjusts - and logs why - so the pattern carries forward across every future attempt.
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Escalation triggers fire instantly
Dispute language, hardship signals, "wrong person" claims, or any flag you define - AI stops mid-conversation and routes to your human queue with the full thread attached.
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Full transcript, every time
Every AI call and message is logged as a transcript with tags. Your collectors, and your compliance record, have the complete picture - without anyone taking notes.
AI that gets smarter with every contact attempt
The more accounts your team works through DROS, the richer the context the AI has to work from - on that account, and on future acquisitions in the same workspace.
AI + human agents
AI handles the volume - your team handles the judgment calls
Charged-off portfolios have a lot of accounts and wide variance. DROS routes each one to the right agent type - with rules for when AI must stop and a human must take over.
AI agents
Volume outreach, 24/7 availability
- Reach high volumes of accounts without proportional headcount - consistent tone every time
- Right-party verification, balance confirmation, and payment collection within your policy limits
- Offer payment plans and settle within pre-approved thresholds - no human needed
- Inbound calls and messages handled around the clock on every active portfolio
- Full transcript and tags logged per interaction - ready for any human who picks up the account next
AI coverage means you can work far more accounts per dollar on a purchased portfolio - without sacrificing consistency or documentation quality.
Human collectors
High-stakes, high-judgment conversations
- Accounts where the consumer raises a dispute, challenge, or documentation question
- Hardship cases, arrangements beyond standard policy, or sensitive account flags
- High-balance accounts your team has flagged for personal attention
- Any escalation trigger your rules define - DROS routes with the full account timeline attached
- Settlement negotiations where judgment matters more than script
When AI detects an escalation signal, it stops and routes to your human queue - with every prior touch, outcome, and note visible before your collector says hello.
You set the routing rules. DROS enforces them on every account, on every channel, every time - without anyone having to remember the policy manually.
Engagement guardrails
Compliance in the platform - not in people's heads
Debt buyers who self-collect carry the same compliance exposure as any collections operation. DROS encodes the rules once and enforces them automatically - on every account, every contact attempt.
🔕DNC & consent management
Revocations honored in real time
DNC registrations and consent revocations are held centrally. The moment a consumer opts out - on any channel - all future attempts on that account stop automatically. No manual syncing, no lag, no missed revocations.
📞Call-rule enforcement
Frequency, timing, and channel limits
Contact frequency caps, time-of-day windows, and channel restrictions are enforced at the OS layer before any attempt is made - by AI or human agents. Rules apply consistently across every account in every portfolio workspace.
⚖️Reg F & UDAAP guardrails
Policies encoded as operating rules
Reg F call limits, required disclosures, and UDAAP-aware escalation triggers are configured into DROS as guardrails - not policy documents. AI agents use approved scripts and disclosures on every interaction, with a full audit trail per account.
Every contact attempt is logged and auditable
Who contacted the account, on what channel, with what script, and what the outcome was - all stored per account. Clean audit trail without any extra work from your team.
The DROS difference
From disconnected tools to one engagement OS per portfolio
Most self-collecting debt buyers are stitching things together. DROS replaces that with a single layer that coordinates everything.
Without DROS
Stitched together, hard to control
✗Portfolio accounts sit in a spreadsheet or flat dialer list - no prioritization, no strategy layer
✗AI outreach and human collectors work from different systems - no shared timeline per account
✗Compliance rules live in a doc or someone's head - inconsistently applied, hard to prove
✗Each new portfolio acquisition means repeating the same setup across disconnected tools
✗No clean view of who touched what account, when, and what happened
With DROS
One OS, every portfolio, every channel
✓Each acquisition gets its own workspace - accounts, queues, strategy, and history in one place
✓AI and human agents work from the same account timeline - nothing repeated, nothing missed
✓Compliance guardrails encoded at the OS layer - enforced automatically on every contact attempt
✓New portfolio loaded? Workspace is ready - same rules, same setup, running in parallel
✓Full account timeline per contact - auditable, attributable, no manual logging
Getting started
Load a portfolio and start collecting in three steps
We start from your actual portfolio file, team setup, and current workflow - not a blank slate.
01
Load your portfolio as a workspace
Bring your portfolio file. We'll help you load accounts into a DROS workspace, review your current engagement setup, and identify what rules need to be encoded before outreach starts.
- →Portfolio accounts loaded per acquisition
- →Existing dialer and CRM connections reviewed
- →Initial segmentation and strategy mapped
02
Configure AI, human routing, and guardrails
Define which accounts go to AI first, when escalation kicks in, and what the compliance rules are. DROS models your exact setup - approved scripts, call rules, consent handling - encoded once and applied everywhere.
- →AI vs human routing thresholds set
- →Compliance rules and call windows encoded
- →Approved scripts and disclosures configured
03
Go live, monitor, and add portfolios
Start outreach on a defined slice. Track contacts, escalations, and outcomes across AI and human agents in one view. Add the next portfolio acquisition as a new workspace - your setup carries over.
- →Live contact and escalation tracking
- →AI and human performance in one view
- →Next acquisition ready to load immediately
Bring a real portfolio file
We'll walk through how DROS would set up a workspace for it - accounts, routing logic, compliance rules, and AI vs human split - based on your actual team and current workflow.
Can I keep a separate workspace for each portfolio I acquire?
Does DROS replace my existing dialer or CRM?
What compliance rules does DROS handle out of the box for debt buyers?
How does DROS handle the handoff between AI and my human collectors?
We're a small team. Is DROS too complex for us?
Ready to see it
See DROS on your next portfolio acquisition
Bring a recent portfolio file and your current team setup. We'll walk through how DROS would run it - workspaces, AI and human routing, compliance guardrails - based on your actual workflow.
No commitment requiredBring a real portfolio fileWorks with your existing stackSmall team or growing operation