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AI Debt Management

Intelligence starts before the customer answers.

PhoneNow reads the live portfolio, operating rules, and line capacity to decide which calls should happen — then Casper takes care of the conversation.

See the decision system

Live decision engine

Today's call queue

Orchestrating

Eligible

1,248

Skipped before call

186

In progress

20

Recently paidSkip
Already called in another roundSkip
Outside calling windowSkip
Shared line capacity20 / 24

Before Casper

More than a schedule that calls everyone.

Every call passes through multiple decisions to use customer attention, line capacity, and cost responsibly.

01

Select by context

Target by due date, overdue level, owner, active weekdays, and the campaign's allowed calling window.

02

Recheck just before dialing

Read the latest contract before origination. If it has been paid or is no longer eligible, skip it immediately.

03

Share capacity fairly

Control concurrency, distribute slots across campaigns, and preserve buffer for reliable operation.

04

Retry by reason

Treat no-answer, busy, and dispatch failures differently, with the right retry pass for each outcome.

Traffic & Pipeline Management

See every line. Manage traffic from one view.

The system tracks active calls, capacity by channel, and live buffer so campaigns do not collide or dispatch more work than the platform can safely handle.

Dispatch Pipeline

Live monitor for concurrent pools and active calling channels

LiveRefresh

Utilization

56.7%

In-flight

17

Pool cap

40

Soft target

30

Buffer

10

02 · PSTN

11/20 in-flight

1used2used3used4used5used6used7used8used9used10used11used12open13open14open15open16buffer17buffer18buffer19buffer20buffer

08 · Mobile

3/10 in-flight

1used2used3used4open5open6open7open8open9buffer10buffer

09 · Mobile

3/10 in-flight

1used2used3used4open5open6open7open8open9buffer10buffer

Combined concurrent slots

Slots 1–30 active · slots 31–40 reserved as buffer

12345678910111213141516171819202122232425262728293031323334353637383940
In useReady for the next callReserved for stability

Separate pools by channel

PSTN and mobile groups each have their own capacity, making congestion and available routes immediately visible.

Fill without overflowing

A soft utilization target and reserved buffer keep calls flowing without consuming every available slot.

Observe in real time

See in-flight calls, headroom, and every slot state so teams can understand traffic and respond quickly.

One intelligent flow

From portfolio to conversation.

PhoneNow is the operational brain. Casper is the voice that speaks with customers.

01

Live portfolio

Current balance, due date, and status

02

Campaign rules

Days, windows, groups, and conditions

03

Queue and capacity

Deduplicate, prioritize, and share lines

04

Casper converses

Listen, respond, and follow the dialog

05

Result returns

Record outcomes, route work, and report

Outcome routing

Today's call outcomes

Answered with an outcome72%
Waiting for rules-based retry18%
Stopped or skipped correctly10%

After the call

Every outcome has a different next step.

The system does not return every call to one pile. It classifies outcomes and moves work to the right next action.

  • Paid or no longer overdue — stop that collection round
  • No answer or busy — enter the configured retry pass
  • Dispatch failure — recover separately from no-answer
  • Answered or already originated today — prevent unnecessary repeat calls

A system that thinks before calling

Manage the portfolio. Stop chasing dial buttons.

Design the rules, queue, and conversations around your organization's collection operation.

Try a Casper call
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