CETRAI

Compliant AI Voice Agents for Debt Collection

Automate FDCPA, TCPA and Reg F compliant debt collection with CETRAI AI voice agents: higher right-party contact, kept-promise rates and 24/7 outreach.

Short answer

CETRAI gives collections teams an FDCPA-, TCPA-, and Reg F-aware AI voice agent that handles right-party contact, verifies identity with mini-Miranda, negotiates payment plans within pre-approved parameters, and processes payments through your existing payment processor. Every call is recorded, transcribed, and consent-logged so compliance teams can audit any interaction in seconds.

Collection teams use CETRAI to scale outreach while keeping conversations consistent, documented, and compliance-aware.

Key use cases

CETRAI adapts to the workflows your team handles every day.

  • Payment reminders
  • Payment plan setup
  • Consumer documentation
  • Compliance scripts

Frequently Asked Questions

Common questions from teams evaluating CETRAI for this industry.

  • Is an AI voice agent FDCPA and Reg F compliant? Compliance depends on how it's configured. CETRAI ships with FDCPA/Reg F guardrails: mini-Miranda on every call, 7-in-7 call-frequency limits, cease-and-desist honoring, prohibited-hour blocks, and validation-notice logic. Your compliance team approves the scripts and the guardrails are enforced at runtime.
  • How does the AI verify right-party contact without disclosing the debt? It uses a two-factor script (name plus one non-debt-revealing identifier such as last four of address or DOB) before disclosing any balance, per FDCPA §805(b). If verification fails, it terminates the disclosure path and logs the attempt.
  • Can it negotiate settlements and take payments on the same call? Yes, within the settlement matrix your team pre-approves (percentages, term lengths, minimum monthly). Payments are tokenized through your existing processor (Repay, ACI, BillingTree) — CETRAI never stores raw card or bank data.
  • What happens when a consumer disputes the debt or asks for validation? The agent stops collection activity on that account, logs the dispute or validation request with timestamp, and routes the case to your compliance queue. Reg F 30-day validation windows are tracked automatically.
  • How does it integrate with our existing collections platform? CETRAI has connectors for Latitude by Genesys, DAKCS Beyond, C&R Debt Manager, and Ontario Systems FACS, plus a REST API for custom systems. Account status, promises-to-pay, and payment postings sync bidirectionally.

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