The State of AI in Collections 2026 is here.Explore the Adoption Gap Report

DROSCoverage Gap Assessment

How to recover more from the paper you already havewithout adding a single collector.

Take the 2-minute Coverage Gap Assessment to find out how much of your in-statute paper never gets a compliant right-party contact - and how many dollars are sitting in it.

✓See the share of your accounts that get zero contact inside the window
✓Get the dollar figure sitting in untouched, in-statute balances
✓Find where the leak is: contactability, timing or treatment
✓Learn the one fix that closes it - inside Reg F and TCPA
SOC 2 · ISO 27001 · ISO 42001US data stays in the USBuilt for first- and third-party collections
Start the Coverage Gap Assessment· Takes 2 minutes
Question 01 · Warm-up

Most low-balance accounts that never pay have one thing in common. Can you guess what it is?

Your file · 100 accountsanswer to reveal
01 - Why more collectors won’t fix it

The ceiling is fixed. The floor keeps dropping.

01

Reg F fixed the ceiling

7-in-7 caps mean you cannot dial your way out of a coverage gap. Extra collectors buy nothing above the cap.

02

TCPA raised the stakes

The 2024 artificial-voice ruling and 2025 revocation rules mean consent and opt-outs must be honored in real time, on every channel.

03

Answer rates keep falling

Consumers don’t pick up unknown numbers. The same attempts buy fewer right-party contacts every quarter.

04

Collectors keep leaving

Hiring and training cost keeps rising. Night and weekend coverage is unaffordable with people alone.

02 - How DROS works

Every account. Every day. On record.

DROS is the AI-native engagement OS for US collections. It works the accounts your collectors never get to - and hands them the live conversations.

01

Connect

DROS reads placements, balances and dispositions from Latitude, Quantrax/RMEx, CUBS, Beam or SimplicityCollect - or via CSV/API. Nothing leaves your system of record.

02

Configure

Your compliance officer sets attempt caps, state call windows, disclosures, consent flags and DNC - then locks them.

03

Contact

Every account gets a respectful, compliant attempt each day across voice and SMS. DROS remembers every prior conversation.

04

Convert

Live conversations transfer warm to your collectors, or DROS takes the payment in-call. Promises and payments post back to your platform.

05

Confirm

Every disclosure, promise and payment lands in the Compliance & Evidence Locker. Weekly reports show where recovery was missed - and why.

03 - For your compliance officer

Compliant by design. Not by exception.

Try to break it. The rules live inside the engine, and every call leaves evidence.

Rules

Rules live in the engine

Reg F frequency caps counted across every channel and vendor. State call-time windows, disclosures and mini-Miranda enforced before a word is spoken. TCPA consent and revocation honored in real time. You configure, you lock - DROS cannot override.

Evidence

Evidence on every call

The Compliance & Evidence Locker logs every disclosure, promise and payment, tied to the account record with recordings and transcripts. Audit-ready exports for clients and regulators. Kill switch and per-portfolio guardrails.

Engine

The engine behind it

Built on the Vodex voice engine already running enterprise deployments. SOC 2, ISO 27001 and ISO 42001 (AI management) certified. All US customer data stays in US geography. Your team signs off on QA before any portfolio goes live.

FDCPA
Reg F 7-in-7
TCPA
State call windows
SOC 2
ISO 27001
ISO 42001
04 - Built for collections teams

25-200 seats. Fresh, low-balance paper. Clients who read scorecards.

DROS is priced and implemented for the mid-market agency that enterprise vendors ignore - healthcare, utilities, telecom, auto deficiency, consumer loans and membership paper, in-statute and high-volume. First-party teams, third-party agencies, debt buyers, credit unions and consumer lenders.

“Every in-statute account you don’t reach is a dollar your client’s next agency collects - and a point off your scorecard at the next placement review.”
What we hear from agency owners at ACA International, 2026

For the owner

More recovered dollars from the same paper, without hiring. Payback inside the first quarter.

For the compliance officer

Set the rules once; the engine cannot break them. Evidence for every audit.

For the collections manager

Every account gets a compliant attempt every day. Your people get the live conversations - not voicemail.

For your clients

Higher liquidation, lower complaint rate, and call records on request.

05 - How we start

A 30-day proof on one portfolio

Your rules. Your QA sign-off. Your numbers decide.

Week 0

Set up

Onboarding form, platform integration, rule configuration by your compliance officer.

Week 1

Certify

QA on real call samples, compliance sign-off, staged ramp on the portfolio.

Weeks 2-4

Run

Full portfolio live. Weekly review of coverage, right-party contacts and dollars collected.

Day 30

Decide

Results against your 90-day baseline, and an expansion decision - yours to make.

06 - Questions owners ask us

FAQ

Next step

Find your coverage gap in two minutes.

Seven questions, your numbers, a personalised report - and a 30-day proof plan if you want one. Or write to sales@vodex.ai.