Built for debt settlement

The CRM that comes with an AI workforce.

Relentless, polite and on 24/7, they work every lead and client until the job is done, so you grow without adding headcount.

Book a demo See it at work

SalesNina

Enroll more of the leads you pay for.

Maria Gonzalez

Houston, TX · web form

New leadTransferred

8:47:02 PMLead comes in
8:47:09 PMNina calls, Maria picks up+7 sec
8:51:40 PMQualified: $31,400 on 4 cards
8:52:05 PMLive transfer to Alex, your closer

James Carter

Columbus, OH · TV lead

No answerCallback booked

10:12:31 AMLead comes in
10:12:37 AMNina texts, then calls+6 sec
10:14:02 AMJames replies “after 6 works”
10:14:09 AMCallback booked for 6:00 PM

Ana Ruiz

Phoenix, AZ · partner referral

Thinking it overEnrolled

1:36:12 PMLead comes in
1:36:17 PMNina calls, Ana picks up+5 sec
1:49:50 PMWants to think. Nina texts her plan
9:12:40 PMSigns from her phone, $42,150 enrolled

See sales

ServicingPenny

Keep more clients to graduation.

Dana Reyes

Client · month 14 of 48

11:42 PM

Did my Chase settlement go through?

Yes. Chase accepted $2,140, and your first payment goes out Nov 13. Want the letter by email?

Yes please

Letter emailed, noted on file

Keisha Wong

Client · month 9 of 42

Thu 9:02 AM

Morning, Keisha. Synchrony agreed to settle your $3,180 balance for $1,430, and the offer ends Friday. Want me to lock it in?

Yes please!

Approved, payments scheduled

Luis Ortiz

Client · month 3 of 48

7:05 AM

Can I add my Amex to the program?

Yes. Send me a photo of your latest statement and I’ll start the paperwork.

amex-statement.jpg

Statement saved, sent to your team

See servicing

Debt relief teams already rely on retape.ai

SalesNina, your AI sales agent

Every lead you buy, worked like your best rep would.

Nina calls first, follows up longest and never has an off day, so more of your lead spend turns into enrollments.

Nina, on a call with Maria

New lead · Houston, TX · 0:38

LiveTransferred

NinaHi, is this Maria? This is Nina, Clearpath Debt Relief’s AI assistant, on a recorded line. You just asked about help with your credit cards?

MariaWow, that was fast. Yes, I did.

NinaHappy to help. Roughly how much do you owe across your cards?

MariaAround thirty thousand, on four cards.

NinaGot it. Are you keeping up with the minimum payments?

MariaBarely. They take most of my paycheck.

NinaThat’s exactly what our program is for. I’m bringing in Alex, one of our debt specialists, to walk you through your options.

Transferred live to Alex, your closer

First to every lead

Leads fill out more than one form. Nina calls within seconds, evenings and weekends too, and transfers ready buyers live to your closers.

Self-enrollment for leads who need time

Leads who want to think it over get a private page with their plan. They can ask Nina anything and sign from their phone when they’re ready.

Still following up on day 30

Most leads don’t pick up the first time. Nina keeps calling and texting for weeks and books a callback whenever it suits them. Relentless, never pushy.

Every call reviewed. Every rep coached.

Sonar reviews every call your sales team makes, catches compliance slips before they turn into complaints, and shows managers what to coach.

Maria Gonzalez

Houston, TX · web form · $31,400 on 4 cards

New leadCallingTransferredThinking it overDay 30Enrolled

First call
Self-enrollment
Follow-up
Call review

0:07from form to first call

8:47:02 PMForm submitted8:47:09 PMNina calls

Maria picks up

Qualified: $31,400 on 4 cards

Transferred live to Alex, your closer

Maria to Alex: “Let me think about it.”

No rush, Maria. Here’s your plan, and I’m here if you have questions.

Enrolled debt: $31,400
Monthly: $468
Program: 48 months
Est. savings: $9,420

9:24 PMOpens her plan, asks Nina about her credit

Day 2TextNo reply
Day 6CallVoicemail
Day 13TextNo reply
Day 21CallNo answer
Day 30Reply“After 6 works”
Day 306 PM callbackWith Alex
Day 30Signs from her phoneEnrolled

Call review by Sonar

Alex M. · callback with Maria · 14 min

72/100

Required disclosures readYes
Fees explained before the closeYes
No results promisedFlagged

Coach Alex onTimelines. At 9:48, Alex told Maria “two years, guaranteed.” Use the range from your playbook.

ServicingPenny, your AI servicing agent

Fewer cancellations. Faster settlements.

Clients stay when they get answers, and fees come in when deals close. Penny and Resolve keep both moving.

Answers that keep clients in the program

Most cancellations start with a question nobody answered. Penny answers every call and text from the client’s own file, day or night.

Outbound, without an outbound team

Missed drafts, additional funds, settlement approvals. Penny works every list until it’s done and hands your team only the clients who need a person.

No offer dies in a spreadsheet

When a creditor sends a file of offers, Resolve finds your clients in it and shows which ones can settle today.

Every settlement chased to a yes

Deals fall through when clients go quiet. Penny follows up by text, email and phone, politely and relentlessly, until she has an answer.

Negotiators only work accounts that can settle

Every morning, the list shows which accounts have the funds and are workable today. No digging through files, no dead-end calls.

Dana Reyes

Client · month 14 of 48

11:42 PM

Where does my monthly payment actually go?

Into your settlement fund. You have $1,904 saved, 2 of 5 accounts are settled, and your next $615 deposit is Nov 16.

Dana’s file

Settlement fund: $1,904
Accounts settled: 2 of 5
Monthly deposit: $615

Missed drafts this week

Penny’s outreach · 23 clients

17 back on track

Back on track 17
Talking with Penny 4
Needs your team 2

Hi Marcus, your Nov 2 deposit didn’t go through. Want me to try again Friday?

Friday works

New draft set for Fri, Nov 6 · $289

Capital One offer file

1,284 accounts · arrived Mon 6:02 AM

Reading fileDone by 6:04 AM

Your clients in the file212
Can settle todayfunds cover the offer140
Need more fundsPenny asks the client for the difference72

Penny starts getting approvals

Discover settlement

Dana Reyes · offer ends Friday

Waiting on DanaApproved

Balance$8,420

Settlement$3,368

Of balance40%

TueText with the termsNo reply
TueEmail with the detailsOpened
WedCallVoicemail
ThuFriendly reminder“YES”
ThuApprovedPayments scheduled

Ready to settle

Negotiation list · Tue 7 AM

14 ready today

Client	Creditor	Balance	Funds	Target
D. Reyes	Discover	$8,420	$1,904	40%
K. Wong	Synchrony	$3,180	$1,420	45%
L. Ortiz	Midland Credit	$5,960	$2,300	38%
M. Bell	Chase	$6,210	Nov 16	42%

Funds availableAccount workableNo offer pending

Also on the servicing side

Additional funds and add-debt campaignsPenny asks for the extra deposit that gets a settlement done, and gets clients to add debts that aren’t in their program yet.
POAs sent automaticallyPower of attorney goes to every creditor on the file, by fax or email, as soon as a client enrolls. Nobody on your team has to send it.
Cancellation and legal escalationsA client who asks to cancel, mentions a lawsuit or files a complaint goes straight to your team, live or as a priority task.

PlatformThe CRM underneath it all

A CRM built for how debt settlement actually works.

Programs, drafts, creditors, offers and documents in one system of record, so your team stops living in spreadsheets.

Enrollment QC

Only good files get enrolled.

Set your rules once: licensed states, minimum debt, eligible creditors, affordability. Every file is checked before the agreement goes out.

Smart ledger

See a shortfall before it costs a settlement.

Every draft, creditor payment and fee in one running projection. Move a date or change an amount, and the ledger flags any payment that would come up short.

Live creditor history

Open every negotiation with the right number.

Every settlement your team closes updates what each creditor accepts, so targets stay current without anyone keeping a spreadsheet.

Smart lead routing

The right rep on every live lead.

Leads go to the rep who speaks their language, is licensed in their state and has room in their queue.

Unified inbox

One thread per client, whoever’s talking.

Calls, texts, emails and chat from your team and from Penny in one place, so nobody asks a client the same thing twice.

Plain-English automations

Describe a workflow. Resolve builds it.

Type it the way you’d say it, and Resolve turns it into a rule that runs on every file.

Fits the tools you already run

Your contact centerFive9, NICE CXone and others
Your payment processorAll major debt settlement processors
Your lead sourcesVendors and partners post leads straight in

Called a new lead in Houston 7 seconds after the form
Got a yes on a Discover settlement a day before it expired
Found 140 ready settlements in a Capital One offer file
Revived a 27-day-old lead and sent it to a closer
Got a missed draft back on the calendar
Held a file whose deposit was over budget
Answered a client at 11:42 PM
Enrolled a lead who wanted to think it over
Put 14 newly workable accounts on the negotiation list
Sent the Monday report

Called a new lead in Houston 7 seconds after the form
Got a yes on a Discover settlement a day before it expired
Found 140 ready settlements in a Capital One offer file
Revived a 27-day-old lead and sent it to a closer
Got a missed draft back on the calendar
Held a file whose deposit was over budget
Answered a client at 11:42 PM
Enrolled a lead who wanted to think it over
Put 14 newly workable accounts on the negotiation list
Sent the Monday report

ReportingSage, your AI analyst

Skip the report request. Just ask.

Sage knows every lead, call, draft and settlement in Resolve. Ask in plain English and get the answer, with the numbers behind it.

Or get the week in your inbox every Monday at 8 AM.

Which lead sources enrolled best last month?

Direct mail calls, at 11.8%. That’s three times the rate of your web forms.

Direct mail calls11.8%

Partner referrals9.1%

TV and radio6.4%

Web forms3.9%

Aged leads1.2%

Enrollment rate · 6,412 leads · Oct 1–31

Compliance & securitySOC 2, TCPA and your own rules

Safe for your clients. Safe for your license.

SOC 2 compliant security, TCPA rules on every call and text, and full control over what your AI workers say and do.

Secure by default

SOC 2 compliant and encrypted in transit and at rest. SSNs and bank details stay masked unless a role allows them, and every view is logged.

TCPA rules on every touch

Before every call and text, Resolve checks the lead’s local time, state contact limits, consent and opt-outs. If anything’s off, it waits.

Your rules, your words

You decide when Nina and Penny reach out, what they say and what always goes to a person. Every conversation is recorded for review.

Questions

Don’t see yours? Ask us on the demo, or write to sahil@retape.ai.

Will Nina and Penny replace my team?

No. They take on the volume: first calls, follow-ups, reminders and routine questions. Your people spend their time on the conversations that need them, and you can grow without adding seats.

Will clients know they’re talking to AI?

Yes. Nina and Penny introduce themselves as your company’s AI assistants, on a recorded line, in wording you approve.

How do AI calls stay TCPA-compliant?

Nina and Penny follow the same rules your team does: consent on file, each state’s calling hours and contact limits, and opt-outs honored the moment they’re asked. Every call is recorded and transcribed.

Can Nina and Penny move money on their own?

Only within the rules you set. Every action that touches a draft or a settlement is double-checked before it runs, and anything unusual goes to your team.

What happens when a conversation needs a person?

Nina and Penny hand off live with the full conversation and file, or book a callback after hours. Cancellations, bank changes and legal questions always go to your team.

Does Resolve work with our phone system and payment processor?

Yes. Resolve works alongside Five9, NICE CXone and other contact centers, and integrates with all major debt settlement payment processors.

Do we have to use the AI workers?

No. Resolve is a complete CRM on its own. Turn on Nina, Penny and Sonar one team at a time, when you’re ready.

What does switching from our current CRM involve?

We move your clients, drafts, creditors and history for you, and time the cutover around your draft calendar so no payment is missed.

Nina, Penny and Sage

Meet your AI workforce.

In 30 minutes, watch Nina work a lead, Penny get a settlement approved and Sage answer the questions you ask every Monday.

Book a demo

or write to sahil@retape.ai