Industries · Debt Collection
Collect more. Prove compliance on every call.
Reg F frequency limits, FDCPA disclosures, state licensing patchwork — and right-party contact rates that keep falling. DialB enforces the rules at dial time and keeps your numbers answerable, so recovery and defensibility stop being a trade-off.
The collections outbound problem
Every dial is a legal event. Most dialers treat it like a phone call.
Collections buyers are compliance officers as much as operators — because in this vertical, the cost of a bad process isn't a lost sale, it's a lawsuit.
Reg F's 7-in-7 can't live in a spreadsheet
The presumption limits call attempts per debt per seven-day window — counted across every number, agent and campaign that touches the account. Manual tracking fails quietly, and the failure is discoverable.
A patchwork of rules under FDCPA
Federal rules, CFPB interpretations, state licensing regimes and state-specific calling restrictions all apply at once. Agents can't be expected to hold that matrix in their heads at 40 calls an hour.
Right-party contact is brutal and getting worse
Consumers screen aggressively, and collection numbers get spam-labeled almost on contact. Every point of lost answer rate is liquidation you never get the chance to earn.
The plaintiffs' bar is part of the business
Litigation-aware consumers and professional plaintiffs mean every agency operates under audit conditions. If you can't document an attempt, legally it may as well have been a violation.
Compliance, enforced at dial time
Your policy becomes the dialer's physics.
Counsel writes the rules; DialB makes them mechanically unbreakable. Agents work inside the guardrails instead of remembering them.
Frequency caps at dial time
Configure 7-in-7-style attempt rules per your policy, enforced per debt across campaigns — the dialer is built to refuse the eighth attempt, so a spreadsheet never has to catch it.
Quiet hours, debtor's local time
Calling windows keyed to the called party's timezone and applicable state rules — the detail regulators and plaintiffs' attorneys check first.
DNC & cease-communication handling
Cease requests, disputes and attorney-representation flags stop the dialing instantly, across every list the account appears on.
Disclosure scripting on screen
Required disclosures surface in the agent workspace on every conversation, so the mini-Miranda never depends on memory.
An audit trail built for the deposition you hope never happens
Every attempt, connection, disposition, recording and rule evaluation is logged and exportable per account. When a regulator, client or court asks how many times you attempted a debt and under what rules, the answer is a report — not a reconstruction.
DialB provides compliance-support tooling that your counsel configures; it is not legal advice, and no software makes a collection program compliant by itself. See the full compliance toolkit
How DialB wins here
Compliance is table stakes. Right-party contact is the edge.
Staying legal doesn't liquidate portfolios — conversations do. DialB raises the odds that the next answered call is the account holder.
A day on a DialB collections floor
Hard on the portfolio, clean on the record.
8:40 AM
New placements load with policy attached: frequency rules, state restrictions, consent flags. Accounts that hit their 7-day attempt ceiling are automatically held out of today’s queue.
9:30 AM
Dialing opens by timezone — East Coast first, each account inside its own quiet-hours window. Collectors see required disclosures on screen with every connect.
11:15 AM
A consumer states they’re represented by an attorney. One disposition freezes the account across every campaign, timestamped in the audit log.
2:20 PM
A DID trending toward a spam label rotates out to rest. Right-party contact holds steady on the afternoon pass instead of sliding into voicemail.
5:30 PM
The compliance officer exports the day: every attempt, every rule evaluation, every recording — filed before the floor lights go off.
- 100%
- of attempts checked against frequency & window rules
- Up to 2×
- right-party contacts per collector hour
- 24/7
- reputation monitoring on collection DIDs
- 1 export
- to answer any audit request on any account
“Frequency caps enforced by the dialer itself is the control I didn't know I could ask for. The eighth attempt simply doesn't happen, quiet hours follow the debtor's timezone — and when an auditor asks, I hand over the log that proves it.”
Compliance officer, receivables management firm
See DialB on collections workflows.
Bring your call-frequency policy and your toughest state. We'll show you the rules enforced live, the audit trail behind them, and what it does to right-party contact.