Modern collection operations that combine SMS, voice broadcasting, and calling produce 15-35% higher collection rates at lower cost per dollar recovered. Regulation F-compliant infrastructure with audit trails, opt-out handling, and secure payment link integration.
Consumer contact rates have fallen steadily — caller-ID apps, spam flagging, and consumer avoidance have cut dial-to-connection from 15-25% a decade ago to 3-7% today. Agencies running pure calling operations collect 10-18% of portfolios. Agencies running hybrid SMS + calling + digital collect 18-32%. The gap is a decisive margin difference on portfolios worth millions.
Regulation F (effective November 2021) explicitly permits SMS and email in collection with proper opt-out mechanisms, frequency limits, and validation notice handling. The agencies that invested in compliant SMS infrastructure over the past 3 years are collecting more per dollar spent than those still dialing exclusively. The tooling exists; the question is whether your agency uses it.
Specific compliant SMS and voice broadcasting campaign types for collection operations:
First consumer contact with Reg F opt-out mechanism, validation notice link, and secure portal access. Typical 8-15% engagement.
SMS with direct payment links to secure branded portals. 2-5% direct-payment conversion on reached consumers.
Reg F-compliant validation notice delivered via SMS or email link to secure portal with consumer-rights disclosures.
Targeted settlement offers to qualifying accounts. Voice broadcasting + SMS combined produces highest conversion.
Consumer-facing SMS with payment plan enrollment flow. Reduces call-center load while improving response rates.
Reminders for upcoming scheduled payments. Reduces defaults on established payment plans significantly.
Simple flow from order to live campaign — most campaigns launch within 24 hours of payment confirmation.
Upload account data. We verify consent trails (where applicable), scrub against DNC and litigation-flag databases, and prepare campaign-level compliance controls.
Reg F-compliant templates reviewed by our compliance team. Automatic opt-out handling, frequency limits, and content restrictions enforced.
Messages send from collection-registered numbers. Payment links route to secure branded portals. Replies and payments logged to audit trail.
Every send, reply, opt-out, and payment logged permanently. Full audit trails available for regulatory review or portfolio seller reporting.
Volume pricing for collection portfolios. Contact for monthly-program pricing if you run continuous operations across 100k+ accounts.
All packages include DNC scrubbing, carrier-grade delivery, real-time tracking, and 24/7 launch support. Crypto or wire payment — no monthly contracts.
Collection SMS has specific regulatory requirements that differ from commercial marketing. We operate infrastructure designed for collection-specific compliance.
Yes, with Regulation F compliance. CFPB Regulation F (effective November 2021) explicitly permits SMS and email in collection with specific requirements around opt-out mechanisms, frequency limits, content restrictions, and validation notice handling. Our infrastructure enforces all Reg F requirements at the campaign level.
FDCPA 7-7-7 rule (7 contacts per 7 days, with 7-day waiting period after direct contact) applies to calls. SMS frequency isn't explicitly capped but pattern-of-abuse standards apply. Our platform tracks total contact frequency across calls AND SMS to ensure you stay within safe bounds.
Regulation F permits SMS with initial opt-out mechanism even without prior express consent for the first contact. For TCPA-autodialed messages (separate from manual SMS), prior express consent is required. We configure campaigns based on your specific consent posture.
All future automated contact must stop. Exceptions: statutorily required notices, consumer-initiated inquiries. Opt-outs are logged permanently and enforced across all future campaigns from your agency on our platform. Continued automated contact after STOP is an FDCPA violation.
Yes. Payment links dramatically improve collection rates — typical 2-5% direct-payment conversion on reached consumers. Links must go to secure, branded payment portals with clear account display, payment options, consumer rights information, and validation notice access. We provide payment portal integration.