Long-horizon agentic AI works every delinquent account.
The Layerup collections agent triages delinquency, runs compliant right-party-contact outreach, captures promise-to-pay, intakes hardship and loss-mitigation requests, and packages recoveries — not a one-shot pass, but a continuous run that stays on each account for hours or days until it resolves.
One-shot agents answer. Long-horizon agents finish.
Most AI agents are one-shot: one prompt, one response, no memory, no obligation to finish. Layerup agents are long-horizon — each owns a workflow end to end and stays on it, uninterrupted, for hours or days until the work is done.
One prompt in, one output out. The run is over in seconds — whatever state the work is in.
One workflow worked continuously, for hours or days, until it is actually finished.
Stateless per call. Everything learned about the case is forgotten between steps.
Persistent working memory of the whole case — every document, finding, and decision carried forward.
Guesses or stalls when an input is incomplete. Someone has to notice and re-prompt.
Requests the missing document, follows up, waits for it to land, and resumes exactly where it left off.
Returns a response. Acting on it — updating the core system, moving the queue — is still human work.
Reads from and writes back to your systems of record throughout the run, every action logged for audit.
A label, a draft, a score — an input to someone else's work.
Finished, decision-ready work with rationale and citations attached, staged for human approval.
A one-shot agent can draft a dunning email. It can't segment the account, run compliant outreach across channels within FDCPA / Reg F guardrails, capture a promise-to-pay and track whether it's kept over the following weeks, intake the hardship request when it arrives, and package the recovery or charge-off. The long-horizon collections agent stays on the account until it resolves.
Triage to recovery — executed, not just dialed.
Every stage below is the same agent's single continuous run, from delinquency triage to recovery packaging. Collectors and supervisors approve arrangements, supervise exceptions, and own outcomes.
- 01Delinquency triage
- 02Segmentation & strategy
- 03Right-party-contact outreach
- 04Promise-to-pay / arrangement
- 05Hardship & loss-mit intake
- 06Recovery / charge-off packaging
Six stages. One compliant continuous run.
From triage to charge-off packaging, every stage below is executed by the same collections agent in one continuous, compliance-governed run.
Work the right accounts, in the right order.
The collections agent continuously evaluates the delinquency book, segments by risk and cure likelihood, and assigns the next-best action so collectors focus where it matters.
- 01Delinquency bucket monitoring
- 02Risk and cure-likelihood scoring
- 03Next-best-action assignment
- 04Self-cure suppression
- 05Queue prioritization
Right-party contact, within the guardrails.
The agent runs multi-channel outreach across call, SMS, and email inside FDCPA / Reg F contact-frequency and disclosure rules — every attempt logged with a reasoning trace.
- 01Multi-channel outreach orchestration
- 02FDCPA / Reg F frequency guardrails
- 03Required disclosure handling
- 04Consent and opt-out enforcement
- 05Right-party-contact verification
Capture commitments and make them stick.
The agent negotiates within approved policy, captures promise-to-pay commitments, sets up payment plans and settlements, and tracks follow-through to completion.
- 01Promise-to-pay capture
- 02Payment plan setup within policy
- 03Settlement-offer preparation
- 04Follow-through reminders
- 05Broken-promise re-engagement
Hardship handled with documentation, not guesswork.
The agent intakes hardship requests, gathers required documentation, and prepares forbearance, modification, and workout packages for approval.
- 01Hardship request intake
- 02Documentation collection
- 03Forbearance & deferral prep
- 04Modification / workout packaging
- 05Eligibility checks against policy
Resolve disputes with a defensible record.
The agent classifies disputes and complaints, assembles account-history evidence, and prepares responses with citations to regulation and prior activity.
- 01Dispute and complaint classification
- 02Account-history evidence assembly
- 03Validation notice preparation
- 04Response drafting with citations
- 05Regulatory timeline tracking
Clean handoffs to recovery and agencies.
The agent prepares charge-off and recovery packages, manages agency placement files, and writes activity back into your servicing and collections systems.
- 01Charge-off package preparation
- 02Agency placement file build
- 03Repossession / remarketing support
- 04Recovery tracking
- 05Write-back and audit logging
The metrics collections leaders manage.
Layerup is measured on cost to collect, roll-rate, right-party-contact, promise-to-pay kept, and cure rate — not on tokens, prompts, or messages.
Cost to collect
01Lower the operational cost of every recovered dollar.
Roll-rate reduction
02Keep more accounts from rolling to later buckets.
Right-party-contact rate
03Reach the right borrower, compliantly, more often.
Promise-to-pay kept rate
04Convert commitments into completed payments.
Cure rate
05Bring more delinquent accounts back to current.
Application cycle time
06Move loans from application to decision faster.
Document clearing speed
07Clear stipulations and conditions without delay.
Net charge-off rate
08Reduce losses with earlier, smarter intervention.
Compliance adherence
09Every contact within FDCPA / Reg F guardrails.
Move collections work from doing to approving.
Deploy the collections agent on one portfolio. Prove the cure-rate and cost-to-collect improvement, then expand.