Built for US Collections Compliance.
Designed for Your Team.
Six capabilities that cover the complete debt communication and recovery workflow — from first contact to audit export.
Compliant drafts in under 30 seconds.
AI Communication Generator
Generate FDCPA-calibrated letters, emails, and SMS scripts for every stage of the recovery cycle. Arravio AI constructs a layered system prompt — role definition, jurisdiction rules, vulnerability modifier, arrears stage, debtor history, goal, and channel — before generating the output. Agents always review before anything is sent.
- Formal letter, email, and SMS script channels
- Nine communication goal types including payment reminder, hardship acknowledgement, dispute response, and final notice
- Tone targeting: firm, empathetic, neutral, or urgent
- Mini-Miranda disclosure injected automatically for initial contacts
- Vulnerable debtor: hard tone restriction appended to every prompt
- Agent-editable output with diff tracking against the AI original
- Save as draft or mark as sent — both create audit log entries
- PDF generation for formal letters stored securely in Cloudflare R2
Debtor Risk
| Debtor | Balance | Stage | Status |
|---|---|---|---|
| J. Reyes | $1,240 | Legal | Active |
| S. Okafor | $860 | Mid | Active |
| C. Lin | $3,200 | Pre-Legal | Active |
| A. Patel | $540 | Soft | Active |
| M. Cole | $2,110 | Legal | Active |
Rules enforced at the point of generation, not after.
Compliance & Jurisdiction Rule Engine
Configure organisation-specific compliance rulesets for federal FDCPA, state overlay laws (California Rosenthal FDCPA, New York City Admin Code), TCPA, and Regulation F. Active rulesets are injected into every AI generation prompt automatically — ensuring compliance is structural, not procedural.
- Unlimited jurisdiction rulesets per organisation
- Structured enforcement fields: contact limits, time windows, required disclosures, prohibited phrases
- TCPA consent requirement toggle and Mini-Miranda requirement toggle
- Prohibited Language Scanner: paste text and receive violation list with suggested alternatives
- Regulatory Update Analyser: paste new regulation text for impact assessment against your active rulesets
- Active vs. draft ruleset status lifecycle
- All scans and analyses logged to the immutable audit trail
Compliance & Audit Centre
Active rulesets
Compliance scan
Multi-touch sequences with A/B testing built in.
Recovery Sequence Builder
Design staged recovery sequences with varying channels, tones, and communication goals per step. Assign sequences to debtor cohorts in bulk. A/B test two sequence variants on matched cohorts to identify which approach drives the best promise-to-pay rates for your portfolio.
- Visual step-card builder with drag-to-reorder
- Per-step configuration: day number, channel, goal, tone target
- Arravio AI template pre-generation for all steps at once
- Bulk debtor assignment with filter by arrears stage, debt type, balance, and current sequence status
- A/B variant pairing: alternate assignment distributes debtors across variants automatically
- Today's Action Queue: debtors whose next sequence step is due today
- Auto-pause on dispute flag and vulnerability flag
- Per-variant performance metrics: response rate, promise-to-pay rate, average days to first response
Sequence Builder
Standard recovery · 89 enrolled
First notice
Reminder
SMS
Final notice
Letter
Structured compliance for consumer vulnerability.
Vulnerability & Hardship Module
A comprehensive workflow for identifying, assessing, and accommodating vulnerable consumers — covering all four vulnerability indicator categories, AI-generated hardship interview guides, and an affordable payment plan calculator with automated letter generation.
- Four vulnerability indicator categories: financial, health, life event, and communication pattern
- Multi-select indicator logging form that triggers debtor flag and sequence pause
- Arravio AI interview guide generation: phone or written mode
- Affordable payment plan calculator: income, expenditure, creditor count, balance inputs
- Pro-rata calculation formula with full formula breakdown display
- Arravio AI payment plan letter generation with FDCPA disclosures
- PDF plan letter stored in Cloudflare R2 with pre-signed download link
- Append-only vulnerability audit trail exportable as CSV for regulatory submission
Hardship & Vulnerability
Affordable plan calculator
Income $2,400 · Expenditure $2,050 · Pro-rata offer $58/mo
A defensible record of every compliance-relevant action.
Immutable Audit Log
Every AI generation, compliance scan, vulnerability action, and Stripe billing event is written to an append-only audit log with full context: agent, timestamp, full AI prompt, full AI output, agent edits, and token counts. No delete or update endpoints exist for the audit table.
- Paginated, filterable audit log by date range, entity type, and agent
- Row expand shows full prompt, full output, and agent edit diff with highlighting
- CSV export of any date range stored in Cloudflare R2
- AI token counts logged for every generation (cost management)
- Dispute flag actions logged separately with full outcome trail
- Stripe billing events logged as audit entries
- All compliance scan and regulatory update analyses stored
Compliance & Audit Centre
| Action | Actor | Time | Hash |
|---|---|---|---|
| communication.drafted | agent | 08:14 | a3f1… |
| compliance.check_run | system | 08:14 | a3f1… |
| communication.approved | j.reyes | 08:21 | a3f1… |
| communication.sent | worker | 08:22 | a3f1… |
| debtor.pii_revealed | s.okafor | 09:03 | a3f1… |
Performance intelligence with weekly AI briefings.
Recovery Analytics Dashboard
A live analytics dashboard covering portfolio health, communication effectiveness, agent performance, and recovery forecasting. Weekly AI-generated briefings deliver plain-English summaries of the previous week's key movements, automatically every Monday morning.
- KPI cards: total AUM, active debtor count with stage breakdown, average DPD, recovery rate this month
- Stage progression chart: stacked area chart for the last 12 months
- Communication effectiveness table by channel and goal type
- Agent performance table: drafts generated, sent rate, promise-to-pay attribution
- Arravio AI weekly briefing: plain-English performance summary delivered every Monday at 8am ET
- 30/60/90-day recovery forecast with narrative (cached 24 hours)
- A/B sequence analytics panel with side-by-side variant comparison
Recovery Analytics Dashboard
AUM
$113K
Active
127
DPD
67d
Rate
12.4%
Recovered — last 12 months
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