Autonomous collections, governed by compliance.
Layerup agents triage delinquency, run compliant right-party-contact outreach, capture promise-to-pay, intake hardship and loss-mitigation requests, and package recoveries inside your existing servicing and collections systems.
Triage to recovery — executed, not just dialed.
Layerup spans delinquency triage to recovery packaging. Collectors and supervisors approve arrangements, supervise exceptions, and own outcomes.
- 01Delinquency triage
- 02Segmentation & strategy
- 03Right-party-contact outreach
- 04Promise-to-pay / arrangement
- 05Hardship & loss-mit intake
- 06Recovery / charge-off packaging
Six workflows. One compliant operating model.
Each workflow is a deployable agent surface — start with outreach or promise-to-pay capture, and expand across the full collections lifecycle.
Work the right accounts, in the right order.
Agents continuously evaluate the delinquency book, segment by risk and cure likelihood, and assign the next-best action so collectors focus where it matters.
- 01Delinquency bucket monitoring
- 02Risk and cure-likelihood scoring
- 03Next-best-action assignment
- 04Self-cure suppression
- 05Queue prioritization
Right-party contact, within the guardrails.
Agents run multi-channel outreach across call, SMS, and email inside FDCPA / Reg F contact-frequency and disclosure rules — every attempt logged with a reasoning trace.
- 01Multi-channel outreach orchestration
- 02FDCPA / Reg F frequency guardrails
- 03Required disclosure handling
- 04Consent and opt-out enforcement
- 05Right-party-contact verification
Capture commitments and make them stick.
Agents negotiate within approved policy, capture promise-to-pay commitments, set up payment plans and settlements, and track follow-through to completion.
- 01Promise-to-pay capture
- 02Payment plan setup within policy
- 03Settlement-offer preparation
- 04Follow-through reminders
- 05Broken-promise re-engagement
Hardship handled with documentation, not guesswork.
Agents intake hardship requests, gather required documentation, and prepare forbearance, modification, and workout packages for approval.
- 01Hardship request intake
- 02Documentation collection
- 03Forbearance & deferral prep
- 04Modification / workout packaging
- 05Eligibility checks against policy
Resolve disputes with a defensible record.
Agents classify disputes and complaints, assemble account-history evidence, and prepare responses with citations to regulation and prior activity.
- 01Dispute and complaint classification
- 02Account-history evidence assembly
- 03Validation notice preparation
- 04Response drafting with citations
- 05Regulatory timeline tracking
Clean handoffs to recovery and agencies.
Agents prepare charge-off and recovery packages, manage agency placement files, and write activity back into your servicing and collections systems.
- 01Charge-off package preparation
- 02Agency placement file build
- 03Repossession / remarketing support
- 04Recovery tracking
- 05Write-back and audit logging
The metrics collections leaders manage.
Layerup is measured on cost to collect, roll-rate, right-party-contact, promise-to-pay kept, and cure rate — not on tokens, prompts, or messages.
Cost to collect
01Lower the operational cost of every recovered dollar.
Roll-rate reduction
02Keep more accounts from rolling to later buckets.
Right-party-contact rate
03Reach the right borrower, compliantly, more often.
Promise-to-pay kept rate
04Convert commitments into completed payments.
Cure rate
05Bring more delinquent accounts back to current.
Application cycle time
06Move loans from application to decision faster.
Document clearing speed
07Clear stipulations and conditions without delay.
Net charge-off rate
08Reduce losses with earlier, smarter intervention.
Compliance adherence
09Every contact within FDCPA / Reg F guardrails.
Move collections work from doing to approving.
Start with one workflow — outreach orchestration, promise-to-pay capture, or hardship intake. Prove the cure-rate and cost-to-collect improvement and expand.