Controls on the record, not per system
Attempt limits, calling windows, consent state and do-not-call handling apply to the customer across every channel at once. An opt-out sent by text reaches the dialer because there is nowhere else for it to go.
Solutions / Collections and ARM
Work every account. Prove every promise.
Palera helps collections floors reach consumers and prove every promise, on one record across text, voice and live agents. Every collections floor has a pile of accounts that stall receivables on four words: it goes to a queue. Then come emails and one-way texts, then thirty days of silence. The account did not need a better script. The account needed somebody to actually reach the person.
3:45
One record, three agents, under a minute of human time
A text AI confirms the right party, a voice AI calls with the whole thread in hand, and a specialist closes it. Thirty days of silence to a resolution.
What happens on one record
Thirty days of silence to a resolution, in under a minute of human time
In Palera's product demonstration, an account silent for thirty days is resolved on one record by a text AI agent, a voice AI agent and a live specialist, with under a minute of human time.
- A text AI agent works the accountRight-party confirmation before a single account detail appears. He answers in seconds, on the number that got no reply for thirty days.
- Two-way texting, logged as it comesDate of birth, then street address, written to the record as they arrive rather than retyped afterwards.
- It does not assume the file is rightThe customer gives the exact date of a partial payment. The agent does not argue, it flags that a human is needed.
- A voice AI agent calls with the whole threadIn real time, with no summary written in between and no export from another system. The next agent arrives ready.
- Compliance handled on the callThe disclosure is made where the regulation wants it, not left to whoever picked up the account.
- A live specialist takes it, already briefedPayment taken, dispute cleared, and the only human time spent was the part that needed a human.
Contact rate
The number that decides a collections quarter
Contact rate decides a collections quarter, because liquidation follows right-party contacts and right-party contacts follow whether your calls get answered at all. Palera treats contact rate as a telephony problem: live number reputation, rotation before a number gets flagged, and your name on the handset instead of ten unknown digits.
Predictive dialing then decides how much of the answered volume your floor can actually work. Pacing follows live agent availability and holds the abandon rate under a ceiling you set per campaign, which is the only version of speed a collections compliance team will sign off on.
72%Higher contact rate for EccoGroup USA, with branded caller ID.Source: EccoGroup USA, Palera deployment.
< 1 minHuman time to resolve an account that had gone thirty days silent.Source: Palera product demonstration (video on this page).
1:02
New numbers won't fix your spam label. Here's what does
Spam labels caught on real SIM-card phones and carrier data, flagged numbers swapped automatically, and calls rerouted over a clean carrier path.
Compliance
A contact rate that survives a compliance review
Palera's contact-rate methods hold up in a compliance review because every channel writes to one record, so the customer's state is a single fact rather than something each system tracks separately. Raising contact rate is only useful if the method holds up when somebody audits it.
The commitments ledger
Every promise is recorded: the amount agreed, the date given, the arrangement offered, and which agent made it. When a consumer says you told me, you can show exactly what was said.
Give us the accounts that have gone quiet
A segment that stopped responding is the fastest way to see what changes.
