Voice-First AI for Debt Collection & Recovery
Recover more.
Spend less.
Perform better.
What is Overtime?
Built by the Industry.
For the Industry.
Most AI platforms are built by technologists learning collections. Overtime was built by leaders with decades of experience across collections, healthcare revenue cycle, debt buying, and first party servicing.
We understand that success is not measured by conversations. It is measured by recovery performance, cost to collect, compliance, and consumer experience.
That experience is embedded into every workflow, strategy, and AI interaction.
Why it matters
- Patient balance resolution at scale
- Designed for FDCPA, TCPA, Reg F, HIPAA, and operational compliance requirements
- Faster implementation with workflows aligned to real world operations
- Better consumer experiences that protect client and brand relationships
- Purpose built for agencies, debt buyers, healthcare providers, and first party creditors
- Focused on measurable business outcomes, not AI demonstrations
Where Overtime works for you
Collections
Improve recovery performance and lower cost to collect through consistent, automated outreach.
Built for high-volume, performance-driven environments.
Health
Enhance patient financial engagement with flexible communication and a better experience across billing workflows.
Balances recovery with patient experience.
Receivables
Support first-party billing operations with faster engagement, better resolution, and reduced workload.
Designed to improve efficiency without disrupting existing workflows.
Built to help organizations succeed, save, and safeguard
Succeed
Recover more revenue, faster
Increase recoveries with automated, voice-first, multilingual AI agents purpose-built for collections.
with agents trained in collections logic
across delinquency stage
that strengthens client retention
Save
Lower collection costs and improve margins
Reduce operational costs while scaling performance.
with AI-powered automated outreach and follow-ups
to support collection volume increases without expanding headcount or overhead
with real-time analytics to maximize ROI per dollar collected.
Safeguard
Reduce risk with compliant, respectful engagement
Protect your clients, agency and consumers with compliance built into every interaction
automatically enforces client, regulatory, and brand requirements on every call
with full auditability and configurable call policies
and lower complaint volume builds stronger brand trust
How it works
Work with Overtime’s solutions team of debt recovery professionals who understand how the operation runs to define target segments and outcome goals.
Overtime integrates into the existing environment, begins handling calls, and tracks performance across contact rates, promises to pay, and payments collected.
Within 30–60 days, performance data is clear and the path to scale is defined.
Where to start
Overtime answers calls the moment they come in and keeps work moving outside business hours. Contact and resolution rates increase as coverage expands.
Overtime works inventory your team doesn’t have time to touch and turns it into recovered revenue. This segment often becomes profitable without adding headcount.
Overtime resolves routine calls instantly and routes complex cases with full context. Agents spend less time on volume and more time where judgment matters.
Overtime expands coverage without hiring, training, or turnover constraints. Teams deliver consistent interactions across segments that are typically hardest to support.
What early performance looks like
- Measurable lift in contact rates
- Increased promises to pay
- Incremental payments from previously unworked inventory
- Lower cost-to-collect in targeted segments
The Overtime difference
Most AI tools focus on generating conversations. Overtime is designed to run the operation behind them.
It combines voice AI, dialing infrastructure, compliance controls, and performance tracking into a single system that
executes consistently across every interaction. This is what allows outcomes to scale, not just activity.
Overtime supports teams. It doesn’t replace them. It expands coverage, removes variability, and ensures that more accounts are worked consistently across every hour of the day.
The result is a more stable, more efficient operation, without increasing headcount.