Reaches out
Richie opens with the debt-collection notice the law requires, and asks when the borrower can pay.
clovefi · AI-powered collections
Collections that stay compliant.
clovefi reaches out to borrowers in late-stage collections, negotiates a payment within your policy, and follows the FDCPA on every message — on behalf of State Bank of Elytra.
FDCPA-awareEvery decision loggedOpt-outs honored
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Richie State Bank of Elytra
Payment planHi Jordan, your payment of $450.00 is past due. When can you pay?
I lost some shifts — can I split it?
Of course. $150 on Feb 2 and $300 on Feb 20 works and fits our policy — you're all set.
Conversation handled within policy
A better conversation
How Richie works
Negotiates in policy
Offers only what you allow — pay in full, split into installments, or a short extension.
Logs the outcome
Every promise, dispute, and opt-out is saved as data your team can act on later.
Guardrails by default
Built to stay within the lines
Compliance isn't a disclaimer bolted on — it's how Richie is wired.
Follows the FDCPA
No threats, honest amounts, right-party contact — §§805–809 built into every message.
Honors opt-outs
Stops on request or when an attorney is involved, and won't contact them again.
Pauses on disputes
Flags the account and holds collection until written verification is sent.
Remembers last time
Recalls a borrower's prior promise and open balance on the next conversation.
Stays on your policy
Agreed plans are re-checked against your limits — not taken on the model's word.
Decisions as data
Outcomes and promised payments are stored so you can query and follow up.
See it in action