Debt collection
loquaro calls your overdue accounts in Azerbaijani or Russian, negotiates within the script you approved, and comes back with a promise to pay — a date and an amount. Disputes and hardship cases reach your team with the full conversation attached.
Early-bucket calls are the easiest calls in collections — and the first ones dropped when the portfolio grows faster than the team. Your collectors spend their day redialing lists and hearing “I'll pay next week,” while the accounts that genuinely need a human wait. loquaro takes the list, so your people take the cases.
How it works
You approve every word
We write the script with you: what the agent says, which consequences it explains, what arrangements it may accept. It speaks freely around your script — never past it. No invented facts, no promises or threats you didn't authorize.
It works the list
Ten calls a day or ten thousand. It reminds, answers the usual questions, and pushes toward a concrete commitment: “I can note Friday the 14th, 120 EUR. Should I confirm that as your promise to pay?”
Every call comes back as a result, not a note
Promise to pay (date and amount), already paid, dispute — escalated, wrong number, no answer. Each with recording and transcript, kept the way your policy allows. Your team starts the morning with a sorted list, not a call log.
Proof
We won't show you numbers we didn't earn — but the category has them. At ING Bank in Turkey, a collections voice agent came to handle over half of all collection calls (published case study):
+58%
more payment promises
~3,000
agent-hours saved per month
The agent that would make your calls is on this site. Talk to it in Azerbaijani and judge for yourself.
Talk to it nowCompliance & the record
On the record
Every call recorded, transcribed, and logged — all of it, or only what your policy allows. No result rests on what the agent thought it heard.
Never past the script
Consequences are stated exactly as your policy words them. If speech is unclear, it asks again rather than guessing.
Humans where it counts
Disputes, hardship cases, anyone who asks for a person — the agent closes politely and escalates with the full conversation. Your team decides who calls back.
Honest about what it is
Whether the greeting discloses the AI is your choice, shaped with you in the pilot. If a customer asks directly, the agent never claims to be human.
Your data, your region
A server dedicated to you — hosted in Azerbaijan, Georgia, the EU, or where your policy requires. Deleted on your schedule, never used to train anything.
Common questions
Some will — they hang up on human collectors too. The difference is that with loquaro, a hang-up costs you nothing and still comes back as an outcome in your report. And fewer hang up than you'd guess: the agent is on this site — judge how it sounds yourself.
Within the limits you set. You define the dates, amounts, and arrangements it may accept; it works toward a promise to pay inside those lines. Anything outside them is escalated to your team, not improvised.
These are ordinary business calls — the same rules that apply when your staff dials apply here. The greeting and recording notice follow the rules of your market, and during the pilot we walk through your script and obligations together, so every call your debtors get is one your own policy has approved.
The agent doesn't argue them. It closes politely, and the case reaches your team flagged, with the recording and transcript attached. Your people spend their time on exactly these calls — the ones that need judgment.
Usage-based — you pay for call time, not seats or licenses. We size the pilot together, so you know what a campaign costs before it starts.
You send us a slice of your list; we write the script with you, you approve every word, and the pilot runs on accounts you choose. Results come back the way you want them kept. Script changes go straight to the team that builds the agent, not a support queue.
Other calls it makes
Talk to the agent first. If it sounds right, book a demo and we'll shape a pilot around your overdue book — small enough to be a decision, not a project.
