Turn Delinquencies into Recoveries Automatically
Sparkco's AI agent combines real-time voice negotiation, instant payment execution, and litigation-grade documentation to transform "please pay" messages into actual cash recovery.
End the manual collections grind.
Account $2,847 past due (90 days)
8:30Manual review and prioritization needed
Agent manually dials customer...
8:45Waiting for connection, potential voicemail
Payment negotiation in progress
9:15Agent following script, compliance risk
Manual payment setup & logging
9:45Paperwork and compliance documentation
22% recovery rate
Industry average performance
"If someone could automate our cold calling and give my agents back 4 hours a day, I'd implement it immediately."— Collections Manager Survey Response, Mid-Atlantic Credit Agency
Prevent Defaults Before They Happen
AI monitors payment patterns and triggers proactive outreach to borrowers showing early distress signals, preventing defaults through early intervention.
Risk Signal Detected
09:00:15Borrower #4821 - Payment pattern anomaly
Proactive Outreach
09:00:18AI calls to discuss payment options
Plan Established
09:03:42Modified payment schedule agreed
Default Prevented
09:03:45Account remains current
Revenue Engine vs.
Traditional Collections
Pain Points
Pre-Delinquency Blind Spots
Defaults happen before intervention
Payment Friction
Multi-step manual processes
Evidence Documentation
Manual compliance tracking
Without Sparkco
Reactive collections after defaults occur, manual payment processing
With Sparkco
Proactive intervention, instant payment execution, automated evidence
How Sparkco handles every critical event
From detection to documentation, every step is automated and compliant
Sparkco detects, prioritizes, & initiates collection workflows.
AI monitors account portfolios 24/7, instantly identifying delinquent accounts that require immediate collection action and FDCPA-compliant outreach.24/7 portfolio monitoring, ≈2,000 accounts/min.
Pre-built connectors for major CRM platforms
Enterprise-grade security stack
Installation < 1 hour, zero IT overhead
API-first architecture integrates seamlessly with existing workflows
Frequently Asked Questions
Get answers to the most common questions about Sparkco
All debtor communications are encrypted end-to-end with AES-256 encryption and processed through secure cloud infrastructure. We maintain comprehensive audit logs for every interaction, ensure proper disclosure statements, and automatically handle cease and desist requests to ensure full FDCPA regulatory compliance.
Integration takes under 1 hour via our secure API that connects directly to Salesforce, HubSpot, Zendesk, or other major CRM systems. Simply provide API credentials, configure portfolio triggers in your CRM, and Sparkco automatically begins monitoring for collection events—no staff training required.
Absolutely not—Sparkco enhances collection staff by eliminating administrative burdens, not replacing human expertise. Our AI handles routine calls and documentation so agents can focus on what they do best: negotiating complex payment arrangements and handling sensitive debtor situations.
Sparkco agents are trained to recognize complex scenarios and immediately escalate to collection staff with full context. Every conversation includes an option for human transfer, ensuring debtors always receive appropriate assistance when situations exceed routine collection protocols.
Most agencies see immediate productivity gains within 24 hours of going live, with full ROI typically achieved within 2-3 months. Our dashboard provides real-time metrics showing exactly how many calls are being handled, recovery rates achieved, and compliance maintained.
Zero training required for collection staff—Sparkco works invisibly in the background of your existing workflows. Administrative setup takes 30 minutes to configure portfolio triggers and contact lists, then the system operates autonomously.
Yes, our system is configured for state-specific debt collection regulations and can be customized for unique agency requirements. We work with your compliance team during setup to ensure all local, state, and federal debt collection requirements are met.
All plans include 24/7 system monitoring, regular compliance updates, and dedicated support channels. Growth and Scale tier customers receive priority phone support and optional dedicated success management for ongoing optimization.
Have a question not answered here?
Email: patrick@sparkco.ai | Phone: (401) 749-6976
See Sparkco Complete a Full Collection Cycle in Under 30 Minutes
Watch a real debt collection scenario handled from portfolio upload to full FDCPA compliance documentation