01
Own your payment plans
Build an in-house payment-plan portfolio and eliminate future collection-agency fees.
Digital Collector · In-house recovery
A robust in-house debt recovery solution
Recover up to 60% of your bad-debt file before a single account reaches a collection agency — with compliant, human-like outreach that protects the customer relationship and your brand.
Compliant outreach · Live
60%
Recovered in-house
−75%
Collection cost
In-house collections
Keep recovery — and the relationship — under your roof
A fully managed service that works your past-due accounts as an extension of your own team. You only pay for results, and there is no cost to implement.
60%
Recovered
in-house
in-house
−75%Collection cost on past-due accounts
30 yrsOf debt-collection experience
30 daysOr less to go live
What's included
Feature-rich, fully managed Software-as-a-Service in-house collection solution.
Collect up to 60% of recoverable funds from your bad monthly debt file — in-house.
No cost to implement — pay only for the Digital Collector's results.
Go live in 30 days or less.
Programmatically call, SMS, and email to solicit payment on past-due accounts.
Results in significantly fewer accounts submitted to your collection agency.
PCI DSS & FDCPA compliant, backed by 30 years of debt-collection experience.
The process
A clear path from past-due to paid
Six coordinated steps that work your file strategically — and hand off only what truly needs an agency.
- 01
Submit your file
Send ACM your monthly collection file 30–45 days before it would otherwise go to your collection agency.
- 02
Strategic outreach
We execute strategically scheduled calls, SMS messages, and emails requesting payment on each account.
- 03
Immediate fund access
Integrates with your existing credit card processor, giving you immediate access to all funds collected.
- 04
Live-agent transfer
Callers can be transferred to your live agents at any point in the conversation.
- 05
Smart hand-off
Forward the remaining accounts to your collection agency — or to ACM's call-center staff.
- 06
Inbound & outbound
Inbound and outbound dialing strategies keep every recoverable account in motion.
Hear it0:00 / 0:00
Compliant outreach that sounds genuinely human
The same Digital Agent voice your customers will hear — empathetic, clear, and fully FDCPA aligned.
Sample Call — Digital Collector
Olivia · ACM AI voice · FDCPA aligned
Collect more money in-house, for less.Automated payment plans, end to end.Fewer accounts sent to your collection agency.Eliminate patient alienation entirely.
AI + automation
Recover more, for less — without losing the customer
Automation does the heavy lifting while your brand stays front and centre, so recovery never comes at the cost of the relationship.
02
Your brand, not an agency
Patients appreciate being contacted by your organization rather than a third-party collection agency.
03
No patient alienation
Empathetic, on-brand outreach preserves the relationship instead of damaging it.
04
Up to 75% lower cost
Reduce collection costs on past-due accounts by as much as 75%.
05
Immediate fund access
Get immediate access to every dollar collected through your existing processor.
Get started
Contact ACM today and recover more in-house
Submit your next monthly file to a fully managed in-house collector — pay only for results, with no implementation cost and a 30-day path to go-live.
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