Industries · Financial Services
Fred for debt collection.
Answer consumer questions, honor their rights, and route to your team around the clock. Configure guardrails for your business and reserve professional decisions for your team.
Answer the consumer. Honor the rules.
Configure Fred for general service information and inquiry capture. Keep identity checks, account discussions, payments, and dispute handling in approved staff workflows. Test refusal and routing rules, including how missed or ambiguous requests are handled.
What Fred does
- Talks only to the verified account holder
- Documents disputes, validation, and cease-contact requests
- Surfaces consumer rights and routes hardship to your team
- Captures details for secure follow-up
When Fred hands off to you
- Anyone who isn’t the verified account holder
- A dispute, validation, or cease-contact request
- A harassment report or threat allegation
- A payment, balance, or hardship discussion
What Fred won’t do
- Discuss an account with a third party
- Threaten arrest, jail, or court
- Access accounts or take payments over chat
Pre-configured for debt collection: consumer inquiries, disputes, and rights handling under federal law; payments and accounts handled securely by your team.
Rules are strict. Fred stays inside them.
Talk to Fred.
Server-side guardrails
Example rules to review and configure for your deployment.
Every debt-collection deployment runs the Debt Collection pack. The panel below illustrates industry rules, custom rules, and intended boundaries. Configured checks target recognized patterns; they can miss context or flag harmless content. Confirm the active rules and test them for your deployment. Example messages are illustrative and must be adapted to your services and escalation workflow.
Automated Guardrail Actions
Pack rules enforced in addition to baseline protections.industry.debt-collection
| Rule ID | Action | Severity | Phase | Message | Triggers |
|---|---|---|---|---|---|
| dc-disclaimer | DISCLAIMER | S3 | output | contains: collection, debt, past due +12 | |
| dc-no-third-party | DENY | S4 | input | I can only discuss this account with the account holder or their authorized representative. If you are the account holder, I can help connect you with our team. | contains: talk to my boss, tell my family, call my employer +30 |
| dc-no-threats | DENY | S4 | output | I'll connect you with a team member who can provide accurate information about your account and any next steps. | contains: go to jail, arrest you, take you to court +27 |
| dc-account-escalate | ESCALATE | S3 | input | I can't access account details or process payments in this chat. Let me capture your information so a team member can follow up with you securely. | contains: account balance, pay my debt, make a payment +25 |
| dc-validation-rights | ESCALATE | S3 | input | You have the right to request verification of this debt in writing. Let me capture your information so our team can send you a formal validation notice with the details you need. | contains: verify this debt, validate this debt, prove I owe +21 |
| dc-cease-communication | ESCALATE | S4 | input | I hear you. I'm documenting your request to stop contact and escalating it to our compliance team right now. You also have the right to submit this request in writing. | contains: stop contacting me, stop calling me, stop texting me +20 |
| dc-harassment-report | ESCALATE | S4 | input | I take this seriously. I'm escalating your report to our compliance team right now. You also have the right to file a complaint with the CFPB at consumerfinance.gov or contact your state attorney general's office. | contains: you threatened me, threatened to arrest, said I'd go to jail +30 |
| dc-time-barred-debt | ESCALATE | S3 | input | The enforceability of a debt depends on your state's statute of limitations and the type of debt. I can't make that determination. Let me connect you with a team member who can review your account and provide accurate informati… | contains: statute of limitations, too old to collect, too old to sue +21 |
| dc-military-protection | ESCALATE | S3 | input | Military service members may have specific legal protections. Let me connect you with our team so they can verify your status and make sure any applicable protections are applied to your account. | contains: active duty, service member, servicemember +20 |
| dc-dispute-debt | ESCALATE | S4 | input | I'm documenting your dispute right now. Federal law requires us to investigate and provide verification before continuing collection on this account. A team member will follow up with you. | contains: I dispute this, dispute this debt, not my debt +24 |
| dc-credit-reporting | ESCALATE | S3 | input | Credit reporting disputes need to be reviewed by our compliance team. Let me capture your information so they can investigate and respond. You can also dispute directly with the credit bureaus. | contains: credit report, credit score, credit bureau +20 |
| dc-hardship-escalate | ESCALATE | S3 | input | I understand this is a difficult situation. Let me connect you with a team member who can review your options, including payment plans and hardship programs that may be available. | contains: can't afford, can't pay, no money +29 |
Hard limits
Intended boundaries for the configured rules. Detection and handoff are not guaranteed.
- Do not discuss an account with anyone but the verified account holder
- Do not threaten arrest, jail, or court, or anything the law forbids
- Directs cease-contact, dispute, and validation requests to your approved process
- Flags harassment reports, surfaces CFPB rights, and routes hardship to a person
Your custom rules
Layered on top of the pack, unique to your business. No developer required.
The pack is the starting line, not the ceiling. Every deployment can add its own rules in the admin, block, warn, or just log on any phrase you choose, in either phase, with your own response message. They run right alongside the pack.
- BLOCKoff-topic requests that aren't your business
- WARNbefore any account detail is discussed
- LOGwhen a consumer disputes a debt
These industry rules stack on top of the always-on baseline, your region’s privacy and fair-debt-collection rules, and macro overlays. See how the guardrail layers work
Know which lead to call back first.
With an enabled integration, Fred can send lead scores and conversation summaries to your system. Delivery depends on your configuration and the receiving system.
Debt collection questions.
Who will Fred talk to about an account?
Only the verified account holder or their authorized representative. Fred won’t discuss a debt with a third party like an employer or family member.
What happens if I dispute the debt or ask you to stop contacting me?
Fred documents the request the moment it’s made and escalates to compliance. Federal law gives you the right to dispute, request validation, and stop contact, and Fred honors that.
Will Fred threaten me?
Fred’s intended rules prohibit threats and misleading statements. Configure complaint routing and review conversations for missed or inappropriate responses; an escalation flag does not confirm staff receipt or action.
Can Fred take a payment?
No. Fred can’t access accounts or process payments in chat. It captures your information so your team can follow up securely, including hardship options.
Stay compliant. Stay in your lane.
Choose a plan, configure Fred for your business, and test before launch. Or ask Fred a question in the corner of this page.