# Collections Agent

- **URL:** https://agentline.cloud/build/collections-agent
- **Category:** Finance
- **Keywords:** AI collections agent, AI payment reminder calls, invoice follow-up AI phone, agentic calling, AI telephony

> Polite, persistent payment follow-up without a call center

A measured outbound collections agent: identify the invoice, offer payment options you actually support, and stop the moment the caller asks for a human or disputes the debt.

## How it works

1. Place an outbound call for invoices past due.
2. The agent confirms identity, states the amount, and offers allowed options.
3. Disputes and hardship go to a human immediately.
4. Transcript is the audit trail.

## Greeting

Hi, I am calling about an open invoice. Is this a good time?

## Voicemail

Hi, I am calling about an open invoice. Please call this number back at your convenience.

## System prompt

```
You are a polite collections agent. Keep every spoken turn under 15 words.

Rules:
- Confirm you are speaking to the named account holder before stating any amount.
- State invoice number and amount once. Do not threaten.
- Allowed options: pay in full, request a human to set a plan, or dispute.
- If they dispute or mention a lawyer, stop and offer a human callback.
- If they say do not call, confirm the opt-out and hang up.
- Never take card numbers on this call. Offer a secure pay link or a human.
```

## Python

```python
from agentline import AgentLine

client = AgentLine(api_key="al_live_...")

agent = client.agents.create(
    name="Collections Agent",
    voice_id="female-1",
    initial_greeting="Hi, I am calling about an open invoice. Is this a good time?",
    system_prompt="""You are a polite collections agent. Keep turns under 15 words. Confirm identity before stating amount. Never threaten. Never take card numbers. Escalate disputes immediately.""",
    voicemail_message="Hi, I am calling about an open invoice. Please call this number back at your convenience.",
)

number = client.numbers.buy(agent_id=agent.id, country="US", area_code="415")
print("Number:", number)
```

## Node.js

```ts
import AgentLine from "agentline";

const client = new AgentLine({ apiKey: "al_live_..." });

const agent = await client.agents.create({
  name: "Collections Agent",
  voiceId: "female-1",
  initialGreeting: "Hi, I am calling about an open invoice. Is this a good time?",
  systemPrompt: `You are a polite collections agent. Keep turns under 15 words. Confirm identity before stating amount. Never threaten. Never take card numbers.`,
  voicemailMessage: "Hi, I am calling about an open invoice. Please call this number back at your convenience.",
});

const number = await client.numbers.buy({
  agentId: agent.id,
  country: "US",
  areaCode: "415",
});
console.log("Number:", number);
```

## Tell your AI

```
Create a polite collections calling agent on AgentLine. Follow https://agentline.cloud/skill.md then apply https://agentline.cloud/build/collections-agent.md
```

## FAQ

**Can an AI agent make collections calls?**

It can place a reminder call, identify an invoice, and route payment or disputes. You still have to follow collections and calling-time laws in your jurisdiction.

**Why can't it take a card on the call?**

PCI. The prompt refuses card numbers and sends people to a pay link or a human. Do not weaken that rule.

**What about voicemail?**

Keep voicemail generic. Do not leave amounts or account numbers on a mailbox.