The State of AI in Collections 2026 is here.Explore the Adoption Gap Report

Agencies & third-party collections teams

AI-powered engagement forthird-party debt collection

Orchestrate AI agents, human agents, and your existing systems across every client portfolio.

Book an agency walkthrough See AI agents in action
FDCPA & Reg F enforced before the first dial
Separate workspaces per client portfolio
AI voice agents + human agents in one platform
The agency reality

More volume. Thinner margins. Higher compliance pressure.

The tools most agencies run on weren't built for this environment. DROS was.

42%
Rise in compliance complaints
Reg F, TCPA, and FDCPA violations are now the fastest-growing source of agency risk - often from mis-tuned dialers, not bad intent.
3-5×
Tools agencies manually coordinate
Most shops stitch together dialers, a CRM, spreadsheets, and SMS - each with its own rules, its own compliance logic, its own lists.
68%
RFPs now ask about AI strategy
Modern creditors expect a tech-forward answer on AI, compliance, and omnichannel. Promising higher dial volume no longer wins placements.
AI + human collaboration

AI agents handle the volume. Your people handle the hard conversations.

Most debt collection agencies are leaving after-hours coverage and early-stage volume on the table. AI voice agents cover that work - and hand off with full account context when a human agent needs to step in.

AI agents handle

Scale the work that doesn't need a human

  • High-volume early-stage reminders
  • Right-party verification calls
  • After-hours and weekend coverage
  • Basic info delivery and promise-to-pay
  • Overflow when human queues fill
  • Transcripts, summaries, and queue tags
Every AI call leaves a full transcript, summary, and tags - feeding directly into the human agent's queue context.
Human agents handle

Reserve judgment for what requires it

  • Settlement and payment plan negotiation
  • Hardship discussions and disputes
  • Escalations and legal threats
  • Client-mandated human-only accounts
  • Complex and sensitive situations
  • Relationship-sensitive portfolios
DROS controls the handoff - when to transfer, which queue, and what context travels with the call. No blind transfers.
AI agent - live call
MJ
Marcus Johnson
Acc #48210 · Day 34
AI
"Are you open to discussing a payment arrangement today?"
Debtor
"Yes, I'd like to talk about a payment plan."
In call · 1m 52s
Human agent - briefed
AI summary
Debtor confirmed willingness to discuss a payment plan. Ready to negotiate.
✓ Ready to take the call
⇄ Warm transfer
Payment plan request detected · DROS routing
See AI-to-human handoffs live
Watch compliance enforcement, AI calling, and warm transfer to human queue in action.
Book a live walkthrough
Account context

Every agent knows exactly what happened on this account before

In third-party collections, context is everything. AI calls, human calls, SMS, disputes, and payments all land in one timeline per account - so nothing gets repeated, missed, or worked at cross purposes across your portfolios.

  • →Unified contact history across AI and human agents, SMS, email, and payment portals
  • →Multiple placement types handled with separate strategies, same shared history
Account #48210 - Johnson, M.
Client A · Primary placement · Stage: negotiation
Reg F clearPromise pending
AI VoiceDay 1 · 09:14am · 2m 34s

Right-party confirmed. Account details delivered. Debtor requested callback at 5pm - DROS queued human follow-up automatically.

SystemDay 1 · 09:16am

7-in-7 count: 1 of 7. Call-hour window closes at 9pm local. Next eligible: tomorrow 8am.

Human AgentDay 1 · 5:04pm · 8m 12s

Settlement negotiated. 3-installment payment plan agreed. Promise to pay logged against account.

PaymentDay 8 · 2:31pm

Installment 1 received - $340. Next installment due in 30 days.

See DROS track your portfolios live
We'll model your placement types and client rules in a live account view.
Book portfolio walkthrough
How DROS fits

Your strategy lives in DROS. Your tools stay exactly where they are.

DROS connects to your predictive dialers, preview dialers, SMS providers, CRMs, and payment portals as execution channels. If you switch a tool later, your strategy stays intact.

Without DROS

Fragmented. Manual. Risky.

✕Compliance rules split across every tool
✕Account history scattered, no unified view
✕Dialer switch means rebuilding everything
✕Client rules enforced by human memory
✕No single source of truth for auditors
With DROS

Centralized. Compliant. Portable.

✓Rules enforced at OS level before any attempt
✓Full account history in one unified timeline
✓Swap dialers without touching strategy logic
✓Client rules encoded, enforced, auditable
✓Complete audit trail - always ready for review
Compliance infrastructure

Reg F, FDCPA, TCPA - enforced before the first dial

Compliance violations don't start with bad intent - they start with a dialer setting someone forgot to update. DROS enforces rules at the OS layer, before any attempt is made, by anyone.

⏰
Reg F
Call-hour and 7-in-7 controls
Per-debt call counts, local-time windows, and cooldowns applied at OS level. No attempt is authorized until rules are satisfied - for AI or human agents.
🛡
FDCPA
Documentation and dispute workflows
Validation notices, cease-comm requests, and complaint workflows built in. Accounts restrict automatically. Full audit trail on every interaction - ready for regulators or clients.
📵
TCPA
Consent management in real time
DNC and consent states managed at the OS layer. Revocations honored in real time across SMS, voice, and email. No manual syncing, no lag.
🤝
Per-client rules
Client strategies, modeled and auditable
Each client's contact frequency, allowed channels, and wording limits encoded, enforced, and ready to present at the next RFP or audit.
Compliance-first agency? Let's talk.
We'll show exactly how DROS enforces your regulatory and client rules in the operating layer.
Book a compliance review
Built for every role

Built for ops, compliance, and client services

Select your role to see exactly what changes - and what stops being your problem.

Operations / Contact Center Director

One OS. Every queue. Every channel.

→Coordinate AI and human campaigns from a single OS - no more juggling multiple dialer dashboards and list exports
→Build queues around portfolio, risk tier, client, and agent skill - not alphabetical lists and manual routing
→See AI vs human performance, contact rates, and agent utilization in one live view
→Swap or add dialers without rebuilding strategy logic - it lives in DROS, not inside each platform
Works with your stack

Plug DROS in on top. Keep the tools you already have.

DROS connects to your predictive dialers, preview dialers, SMS providers, CRMs, and payment portals as execution channels. If you switch a collections dialer later, your strategy stays intact - it lives in DROS, not inside any one tool.

DROS
Engagement OS
RulesContextQueues
Client portfolios
Client A
Primary placement
Client B
Secondary placement
Client C
Early-out
Channels & agents
Dialers / SMS / Email
Communication channels
AI agents
Intelligent automation
Human agents
Live engagement

One system. Every touchpoint. Full account context.

Book a stack review for your agency
Bring your dialer setup and client list. We'll map exactly how DROS fits on top.
Book stack review
Common questions

DROS for third-party collections

Can't find your answer? Reach out to our team.

What is an engagement OS and how is it different from a collections dialer?
Does DROS replace our existing debt collection dialers and CRM?
How does DROS handle Reg F 7-in-7 and FDCPA compliance for third-party agencies?
Can AI agents handle third-party debt collection calls compliantly?
How does DROS support agencies managing multiple client portfolios?
Can DROS help a debt collection agency win RFPs?
Ready to see it

See DROS on your agency portfolios

Bring your placements, dialer setup, and client requirements. We'll show you how DROS fits on top of your current stack - with compliance rules and client strategies modeled in from day one.

Book an agency walkthrough Talk to us about AI agents
No commitment requiredStack review includedCompliance-first approachLive account modeling