Debt Collection Magic – Automated “Promise to Pay” Tracking

In the debt collection industry, a Promise to Pay (PTP) is a major win on a call. But a promise only has value if it’s followed up properly. When a debtor agrees to make a payment on the 15th and there’s no reminder or action on the 16th after the payment doesn’t come in, the chances of recovering that debt drop quickly.

The real “leaky bucket” in most collection agencies is not the agents’ ability to communicate with customers, but the manual data entry that takes place after the call. Agents using Vicidial or Asterisk often manage dozens of calls each hour. In this fast-paced environment, a PTP date may be written on a sticky note, entered into the wrong field, or completely forgotten as agents rush to the next call.

The “Zero-Leak” PTP Workflow

Verbix.AI acts as a fail-safe for the recovery pipeline. By analyzing 100% of collection calls, it accurately identifies and extracts payment commitments with high precision.

How Verbix Automates Your PTP Tracking:

1. Intent Detection: Verbix listens for specific “commitment markers” such as “I can send $150,” “I’ll pay the balance next Friday,” or “Charge my card on the 1st.”
2. Entity Extraction: Our AI extracts three critical pieces of data: the amount, the date, and the payment method.
3. The CRM Auto-Post: Verbix immediately POSTs this data to your collection CRM, including systems like Quantrax, Latitude, or custom SQL setups. It also automatically updates the call disposition to PTP
4. The Invisible Nudge: Because the data is now structured in your CRM, your system can automatically trigger a friendly reminder SMS or email 24 hours before the promised date, increasing the “Promise Kept” rate by up to 25%.
   

Beyond the Promise: Sentiment & Compliance

Debt collection in 2026 is about more than just numbers; it’s also about Regulation F and TCPA compliance. Verbix.AI doesn’t just track payments—it helps protect your license.

• Compliance Guardrails: Verbix automatically flags any calls where the “Mini-Miranda” wasn’t read or where an agent used prohibited language.
• Hardship Detection: When a debtor mentions a job loss or a medical emergency, Verbix flags the account as Hardship, allowing your team to shift to a more empathetic, long-term settlement approach.
• Dispute Identification: If a debtor says, “I already paid this” or “This isn’t my debt,” Verbix immediately creates a Dispute Task for your back-office team to investigate.

What Our Collection Partners Say

“Our biggest losses came from broken promises that were never followed up on. Since we started using Verbix.AI to automatically log our PTPs, our recovery rate has seen its biggest increase in the last five years. We no longer depend on agent memory—we depend on the data.”
— Sarah K., Operations Manager

Stop Losing Money to Manual Errors

Every unrecorded promise is a missed opportunity. It’s time to plug the leaks in your collection bucket.

Ready to automate your PTP tracking?

See the Debt Collection Demo and discover how Verbix.AI can turn verbal promises into actual deposits.