The Situation
Your agents are your biggest cost.
But are they reaching the right borrowers?
Every client hands you a different rulebook stacked on top of Reg F and state laws, and building an effective contact strategy around it all sits on your shoulders. The accounts that will actually pay deserve your agents' time; the rest still need to be worked compliantly while closely managing costs.
How Equabli Fits
One system, for every client on your book
1. Know who to contact first
EQ Engine scores collection probability and payment projection account by account, so your agents spend their time on the accounts most likely to pay via phone instead of working a list without a strategy.
EQ ENGINE
2. Let the channel do the easy work
EQ Engage automates SMS, email, and voice outreach with behavior-adaptive journeys and a self-service portal, so digital-first accounts can resolve themselves while your agents focus on the borrowers that actually need a human touch.
EQ ENGAGE
3. Prove it to every client, not just the regulators
EQ Engage lets you configure compliance rules, then applies location- and circumstance-based rules automatically, with full regulator-ready audit trails.
EQ ENGAGE
Compliance that satisfies your clients and regulators
EQ Engage captures each consumer's contact preferences and applies location- and circumstance-based rules automatically, so you can reach more borrowers by their preferred channel, without adding compliance risk. Maximize self-service repayment and keep agents on the right accounts.
Go Deeper
Read the thinking behind this page
Blog
Predictive Analytics Models for Debt Collection: How Each One Works and When to Use It
Read the post →Blog
Digital Debt Collection: How Lenders Are Replacing Phone and Mail with Smarter Outreach
Read the post →FAQ
Frequently Asked Questions
How does collection agency scoring or software decide which accounts agents should work first?
EQ Engine scores each account's collection probability and projects likely payment behavior, so agents spend their limited time on the accounts most likely to pay rather than working lists in a flat queue. Because agent hours are the scarcest resource in an agency, this prioritization is built to lift completions per agent without adding headcount.
Can debt collection software automate outreach that stays compliant across different states and clients?
EQ Engage runs SMS, email, and voice outreach through behavior-adaptive journeys that apply location- and circumstance-based rules automatically, including limits like the 7-in-7 rule. It captures each consumer's contact preferences up front and adjusts cadence per state and per client rulebook, so the same automation can serve multiple bank, lender, and debt-buyer clients at once.
How can a collection agency prove Reg F and client-specific compliance to the banks and lenders it works for?
Because EQ Engage applies location- and circumstance-based outreach rules automatically and logs contact preferences and cadence decisions as they happen, the resulting activity trail is audit-ready by design rather than reconstructed after the fact. That gives an agency documentation it can hand to any client to show outreach followed both Reg F and that client's specific rules.