Compliant Debt Communications, Generated in Seconds
Arravio's AI engine generates FDCPA, TCPA, and Reg F-calibrated letters, emails, and call scripts for every stage of the recovery cycle — reviewed, adjusted, and sent by your team.
14-day free trial. No credit card required. Cancel any time.
< 30 sec
Average draft generation time
$0
Cost of missed compliance
100%
Communications reviewed before sending
3 regs
FDCPA, TCPA & Reg F covered
The Cost of Getting It Wrong
Every US debt collector faces the same three pressures. Arravio is built to eliminate all three.
Compliance Risk
A single FDCPA violation costs up to $1,000 per communication. Manual drafting leaves your agency exposed. Arravio checks every draft against your configured ruleset before it reaches your agent.
Agent Productivity
Your collectors spend 40% of their day writing communications, not collecting. Arravio delivers a compliant first draft in under 30 seconds, ready for human review and send.
Inconsistency
Ten agents write ten different letters for the same account type. Arravio keeps tone, language, and disclosures consistent across every communication, every time.
See Arravio in Action
From AI draft to sent communication, every step is built around compliance and your team's workflow.
AI Communication Generator
Compliant drafts in under 30 seconds
Arravio AI constructs a layered compliance prompt for every generation — incorporating your jurisdiction rules, the debtor's arrears stage, vulnerability status, and communication history. Agents review, edit if needed, and send. The platform handles the compliance.
- Formal letters, emails, and SMS scripts for every stage
- Nine communication goal types including hardship, dispute, and final notice
- Tone targeting: firm, empathetic, neutral, or urgent
- Mini-Miranda disclosure injected automatically for initial contacts
Re: Account #44192 — Acme Bank
This is an attempt to collect a debt and any information obtained will be used for that purpose. You may dispute this debt within 30 days…
Amount owed: {{debtAmount}} · Original creditor: {{originalCreditor}}
Recovery Sequence Builder
Multi-touch sequences with A/B testing built in
Design staged recovery workflows with different channels, tones, and goals per step. Assign sequences to entire debtor cohorts in bulk. The platform's Action Queue surfaces which debtors need a communication today — no manual tracking required.
- Visual step-card builder with drag-to-reorder
- Bulk assignment by arrears stage, debtor type, and balance range
- A/B variant testing with response-rate and promise-to-pay metrics
- Today's Action Queue — never miss a due touchpoint
Standard recovery · 89 enrolled
First notice
Reminder
SMS
Final notice
Letter
Recovery Analytics
Portfolio-level insight with weekly AI briefings
Track stage progression, communication effectiveness, and agent performance across your entire portfolio. Every Monday, Arravio delivers a plain-English briefing on the previous week — surfacing what worked, what advanced, and what needs attention.
- KPI cards: total AUM, active accounts, average DPD, recovery rate
- Stage progression chart for the last 12 months
- Communication effectiveness by channel and goal type
- AI-generated weekly briefing delivered every Monday at 8am ET
Recovered
$28.6K
Recovery rate
12.4%
Avg DPD
67d
Recovered — last 12 months
Weekly AI briefing
Recovery rate rose 1.8pts WoW; email first-notice outperformed SMS by 11% on promise-to-pay…
Everything Your Team Needs
Six core capabilities designed specifically for US collections compliance.
AI Communication Generator
Generate compliant letters, emails, and call scripts in under 30 seconds. Every draft includes required disclosures and avoids prohibited language.
Compliance Rule Engine
Configure jurisdiction-specific rulesets — federal FDCPA, state overlays, TCPA, Reg F — and Arravio bakes them into every draft automatically.
Recovery Sequence Builder
Design multi-touch recovery sequences with varying channels, tones, and goals per step. Run A/B variants to find what works for your portfolio.
Vulnerability & Hardship Module
Identify and accommodate vulnerable consumers with structured assessments, affordable payment-plan calculators, and tone-matched communications.
Immutable Audit Log
Every communication, compliance scan, and vulnerability action is logged with full prompt, output, agent, edit, and timestamp. Export CSV on demand.
Recovery Analytics
Track stage progression, communication effectiveness, and agent performance. Weekly AI-generated briefings surface the insights that matter.
How It Works
Three steps from setup to your first compliant AI draft.
Configure Your Compliance Rules
Set up your jurisdiction rulesets — federal FDCPA, state overlays, TCPA requirements, and prohibited phrases. Arravio loads these into every AI generation prompt automatically.
Add Your Debtor Portfolio
Import via CSV or add individually. Assign arrears stages, vulnerability flags, and sequences. The platform tracks the last contact date and next sequence action for every account.
Generate, Review, and Send
Select a goal and channel, click Generate. Review the compliant draft, edit if needed, and save as draft or mark as sent. Full audit trail created automatically.
Used by Collections Professionals
Draft time reduced by 70%
“We cut FDCPA review time by 70% in the first month. The compliance rule engine catches issues before they even reach an agent's screen.”
VP Collections, Mid-size Portfolio Servicer
Zero compliance flags in 6 months
“The audit trail alone justified the investment. When a complaint came in, we had the full prompt, the AI output, and the agent edits — timestamped and exportable.”
Compliance Officer, Third-Party Collections Agency
500 accounts onboarded in one afternoon
“Our vulnerability assessment workflow used to be entirely manual. Arravio turned it into a structured, auditable process in a single afternoon.”
Operations Manager, Specialty Finance
Start Free. Scale as You Grow.
Every plan includes the full AI communication engine, compliance rule engine, and audit log. No tier-gating — just usage limits that grow with your team.
30-day money-back guarantee on all paid plans.
Start recovering smarter today.
No credit card required. Generate your first compliant communication draft in under five minutes.
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