Collections / Receivables Management
Compliant first- and third-party collections, ARM/RCM, skip tracing.
AiCX Receivables is one of the most respected collections and receivables management practices in the industry. We handle first-party collections, third-party debt collection, ARM, RCM, skip tracing, and settlement negotiation across consumer credit, auto, mortgage, healthcare, telecom, utilities, and government.
Compliance is the foundation. Our operations are FDCPA, CFPB Reg F, HIPAA, TCPA, and state-level compliant by design — with consent capture, calling-window enforcement, and prohibited-language detection all instrumented in real time.
We pair compliant collectors with AI-driven segmentation, propensity-to-pay models, and channel-of-choice outreach (voice, SMS, email, digital self-service) so the right consumer gets the right message on the right channel — with measurably better recovery rates.
The difference is in how we run the program — not the deck.
Plenty of vendors can quote you a seat. Few can deliver an outcome. Here's what changes when AiCX runs your collections / receivables management program.
Reg F & FDCPA compliant by design
Calling caps, consent, validation notice, and disputed-debt workflows enforced in the platform — not in a checklist.
Propensity-to-pay segmentation
AI models score every account and route to the channel and treatment most likely to resolve.
Digital-first self-cure
Branded payment portals, SMS-to-pay, and IVR self-service deflect 30–45% of accounts from agent contact.
Skip tracing depth
Multi-source skip tracing including LexisNexis, TLO, TransUnion TLOxp, and proprietary feeds.
Settlement and PIF authority
Trained negotiators with documented offer matrices and approval workflows.
Healthcare RCM expertise
Patient pay, insurance follow-up, denials management, and HIPAA-compliant statementing.
Everything you need on day one — built in.
A collections / receivables management program from AiCX ships with the operational scaffolding most clients spend quarters trying to assemble in-house.
- First-party (early-stage) collections
- Third-party (post-charge-off) collections
- Healthcare RCM: patient pay, insurance AR, denials
- Auto and indirect lending recovery
- Mortgage default servicing support
- Utility and telecom collections
- Government receivables (federal, state, municipal)
- Skip tracing and right-party contact
- Settlement negotiation with documented offer matrices
- Digital self-service: portals, SMS-to-pay, IVR
- Reg F-compliant validation and dispute workflows
- Speech analytics for compliance and coaching
How teams put collections / receivables management to work.
Charge-off portfolio for a top-10 issuer
Outperformed the prior agency by 31% on liquidation while maintaining a complaint rate 80% below the CFPB threshold.
Patient AR for a 30-hospital health system
Lifted self-pay collections 27% by deploying a digital-first treatment plan with branded payment portals and SMS-to-pay.
Subprime auto deficiency program
Recovered $42M in deficiency balances over 18 months across a 180,000-account placement.
Common questions about Collections / Receivables Management.
Don't see your question? Talk to our solutioning team — we'll walk you through pricing, footprint, and ramp options for your specific program.
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Ready to deploy Collections / Receivables Management?
Schedule a 30-minute working session with our solutioning team — bring your KPIs, leave with a delivery plan.