Woodpeker AI
Compliant SMS outreach
Structured follow-up and account conversations at scale, with consent and opt-out handling built in.
Mockingjay AI · Collections
AI-powered collections, built for compliance
Recover more revenue with AI voice and SMS agents engineered around FDCPA, Regulation F, TCPA, and state-level requirements. Two deployment paths — purpose-built for first-party AR teams and third-party collection agencies.
Two deployment paths
First-party
For businesses collecting their own receivables
B2B AR recovery, SaaS dunning, healthcare billing, professional services, subscription churn recovery. Fast-moving, friendly-tone voice and SMS agents that recover revenue without the regulatory overhead of third-party collection.
- AI voice agent with custom persona (like "Sarah")
- SMS follow-up sequences
- Payment link delivery and confirmation
- GoHighLevel CRM integration
- Recording and transcript logging
- Human escalation routing
From $1,200 buildout + $1,499/month
Third-party
For licensed collection agencies and debt buyers
Purpose-built for the regulatory weight of third-party collection. Mini-Miranda enforcement, 7-in-7 frequency caps, consent verification, cease-and-desist recognition, and three-year audit retention baked into the infrastructure.
- Everything in first-party, plus:
- Hard-coded FDCPA disclosure enforcement
- Regulation F frequency cap engine
- Third-party disclosure protection (FDCPA §805)
- Consent verification at onboarding
- Cease & desist classifier
- Three-year audit log retention
- Compliance dashboard with per-call scoring
From $5,000 buildout + $2,500/month
One stack · three products
AI infrastructure built for collections
Mockingjay AI
Compliant voice recovery
AI voice agents for first-party receivables and regulated third-party collection workflows.
CHAARM Visibility
Get found in AI answers
Businesses ask AI which agencies are reputable and compliant. Be on that list.
- Audited across 5 AI assistants
- Competitor visibility tracked
- Monthly re-testing and optimization
What your customers are asking AI
Your next client is asking AI who to hire.
Are you in the answer?
“Reputable collection agency for small business invoices?”
Are you in the answer?
“Which collection agencies are compliant and protect client relationships?”
Are you in the answer?
“Best commercial collections agency in [state]?”
First-party compliance
Lightweight compliance for first-party AR recovery
When you're collecting your own debt within the customer relationship, FDCPA doesn't apply — but TCPA, state telemarketing laws, AI disclosure requirements, and recording consent still do. Mockingjay handles all of it by default.
TCPA consent verification
- No phone number gets dialed without verified prior express consent on file
- Consent source and date logged for every contact at import
- Numbers with questionable consent are flagged for human-only outreach
AI disclosure on every call
- Consumers are clearly told they're speaking with an AI assistant
- Meets disclosure requirements in California, Colorado, Illinois, and other states
- Builds trust and reduces dispute friction
Time-of-day enforcement
- No calls before 8 AM or after 9 PM in the consumer's local time zone
- Time zones auto-detected from area code and address
- State-specific quiet hours respected where applicable
Recording consent
- Recording disclosure delivered on every call by default
- Two-party consent states fully supported (California, Florida, Illinois, and 9 others)
- Recordings encrypted at rest and in transit
Opt-out handling
- Any stop-contact request is immediately honored and logged
- Account flagged in your CRM with all future outreach blocked
- STOP keywords on SMS auto-suppress the number
State telemarketing compliance
- DNC list scrubbing on every campaign
- State registration requirements tracked per jurisdiction
- Holiday and Sunday calling restrictions enforced by state
Data security
- All PII encrypted at rest and in transit
- SOC 2 controls in place across the stack
- Role-based access on call recordings and transcripts
Human escalation
- Hardship, dispute, and complaint signals route to a person
- Emotional escalation handled by human handlers, not the AI
- AI works the routine 70% so your team focuses on what matters
Third-party compliance
Full FDCPA and Regulation F protection
Third-party collection carries the full weight of federal debt collection law. Mockingjay's third-party deployment is architected from the ground up to enforce every requirement at the system level — not by relying on AI prompts.
Federal
FDCPA
CFPB
Regulation F
Telecom
TCPA
Coverage
All 50 states
Identification & disclosure
Mini-Miranda delivered on every call
- Hard-coded opening line — cannot be skipped or rephrased by the AI
- Identifies the agency and the purpose of the communication
- Logged on every call with timestamp and full transcript
Third-party disclosure protection
- Identity verification gate before any debt information is shared
- If a non-consumer answers, the agent only requests a callback
- Debt details never disclosed to spouses, coworkers, or family members
Clear AI disclosure
- Consumers are told they're speaking with an AI assistant on every call
- Meets disclosure requirements in California, Colorado, Illinois, and beyond
- Builds consumer trust and reduces dispute friction
Contact rules & call discipline
Reg F 7-in-7 frequency cap
- System-enforced limit of 7 calls per debt in any 7-day rolling window
- 7-day cooldown after any conversation about a specific debt
- Enforced at the dialer level, not by AI prompt — impossible to override
Time-of-day enforcement
- No calls before 8 AM or after 9 PM in the consumer's local time zone
- Time zones auto-detected from area code and address data
- State-specific quiet hours respected where applicable
TCPA consent verification
- No number gets dialed without verified prior express consent on file
- Onboarding includes consent audit and source documentation
- Numbers with questionable consent are flagged and routed to human agents
Consumer rights handling
Cease & desist recognition
- Aggressive classifier catches any variation of stop-contact language
- Agent immediately ends the call and logs the request
- Account flagged in your CRM with all future outreach blocked
Dispute & validation rights
- Recognizes dispute language and immediately logs the request
- Collection activity paused on the account until validation is sent
- Escalated to a human handler for next steps within minutes
Human escalation triggers
- Attorney representation, bankruptcy, or hardship claims route to a person
- Escalated emotional states or repeated objections leave AI scope
- AI handles the routine 70% — humans handle anything sensitive
Audit trail & record keeping
Three-year retention on everything
- Full call recordings, transcripts, and AI decision logs preserved
- Meets Reg F record-keeping requirements out of the box
- Searchable and exportable for litigation or examiner requests
Recording consent
- Recording disclosure delivered on every call by default
- Two-party consent states fully supported
- Recordings stored encrypted at rest and in transit
Live compliance dashboard
- See every disclosure delivered, every cease honored, every cap respected
- Per-call compliance scoring with exportable reports
- Flag and review any conversation that warrants a closer look
Pricing
Choose the deployment path that fits your operation
First-party
First-Party AR Recovery
$1,200
one-time buildout
$1,499/month
ongoing service & infrastructure · 6-month minimum, then month-to-month
Or upgrade to Growth System Premium for combined inbound + outbound at $3,997 + $4,497/mo.
- AI voice agent with custom persona
- SMS follow-up sequences
- Payment link delivery
- GoHighLevel CRM integration
- Recording and transcript logging
- TCPA consent verification
- Time-of-day and DNC enforcement
- Human escalation routing
- Standard compliance dashboard
Most popular
Third-party
Third-Party Collections
From $5,000
compliance-engineered buildout
From $2,500/month
includes audit infrastructure
- Everything in First-Party
- Hard-coded Mini-Miranda enforcement
- Reg F 7-in-7 frequency cap engine
- Third-party disclosure protection
- Cease & desist classifier
- Dispute and validation handling
- Three-year audit log retention
- Per-call compliance scoring
- Dedicated compliance walkthrough at onboarding
CHAARM Visibility
Audit from $1,997 · Pro from $1,799/month
Enterprise volume (25,000+ accounts/month) and custom integrations available. Contact us for a tailored proposal.
Frequently asked questions
First-party applies when you're collecting your own receivables — your customers, your invoices, your debt. Third-party applies when you're a licensed agency collecting on behalf of a creditor, or a debt buyer collecting on portfolios you've purchased. If you do both, we typically deploy the third-party configuration since it covers everything in first-party plus the additional regulatory layer. We'll confirm during your walkthrough.
Ready to see Mockingjay in action?
Book a 30-minute walkthrough. We'll show you a live agent call, review your compliance setup, and map out a deployment plan.