--- title: "Grace AI Agent" url: "https://intelligentcontacts.com/grace-ai/" type: "page" published: "2026-06-02T22:38:10-05:00" modified: "2026-06-07T21:27:11-05:00" author: "Christian Riquelme" --- ###### Live in Production | 11 Years in the Making ### Meet Grace. She Collects. You Scale Grace is the AI Collection agent that **negotiates, disputes, settles, and collects**— across every channel, at scale, in full compliance with FDCPA, FCRA, TCPA, and HIPAA. No pilot. No prototype. Already deployed. [TALK TO AN EXPERT](#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjQ0MjA2NzYiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D) [Test Other Agents](https://mktg.intelligentcontacts.com/ai-agent-trial/?utm_source=website&utm_medium=landing_page&utm_campaign=grace_ai) ### +63% PAYMENTS COLLECTED ### +47% ACCOUNTS WORKED ### +60% FASTER COLLECTION Try a live AI agent: Click the orb below to get started  Ask Anything FDCPA Engineered in TCPA Native, not retrofitted HIPAA Ready by default PCI-DSS Certified FCRA Built into workflow #### FDCPA Engineered in Proven Results ## Numbers from live deployments. Not projections. Grace is in production today. These metrics come from real accounts, real consumers, and real collections operations. +63% Increase in payments collected across deployed accounts +47% More accounts worked — same headcount, more coverage 24% Of all payments handled by Grace within 60 days at top-10 healthcare facility 10 yrs Real, anonymized training data — not synthetic, not borrowed ###### PrOVEN RESULTS ## Numbers from live deployments. Not projections. Grace is in production today. These metrics come from real accounts, real consumers, and real collections operations. ### Boost Patient Satisfaction Offer self-service options and personalized communication via voice, text, email, and chat—all from one intuitive platform. ### Accelerate Revenue Collection Send automated billing reminders, capture payments via IVR or text, and reduce no-pays with CCOF support. ### Simplify Staff Workloads Use AI and smart routing to reduce repetitive calls and admin work—freeing staff for high-value care. ### Built for Compliance HIPAA + HITECH certified. 100% PCI-compliant payment workflows. No need for in -house dev or IT. What Grace does ## Every stage of collections. One Agent. Grace is the AI Collection Agent that handles the full scope of what a skilled live collector does — at scale, around the clock, without compliance risk. 🔐 Identity Authentication Verifies every caller before any account data is shared. Multi-field verification with escalation on failure — FDCPA-compliant by design. 💳 One-Time Payments Collects full or partial payments, validates amounts, accepts new or saved payment methods, and confirms in real time. 📅 Payment Plan Setup Presents eligible accounts, negotiates payment plans according to your business rules, processes and confirms, all in one call. 🤝 Settlement Negotiation Makes and receives settlement offers to find the best solutions for all parties — the full negotiation cycle, automated. 📊 Account Information Answers balance questions, explains creditor information, handles multi-account portfolios — clearly and compliantly. 👤 Live Agent Escalation Disputes, legal flags, and human requests are escalated immediately and silently — with context passed to the live agent on transfer. How Grace Works ## One interaction. Every stage. Full compliance. 1 Consumer contact Grace reaches out via voice, SMS, or web — on the channel the consumer prefers. 2 Authentication Identity verified. Account details surfaced. FDCPA mini-Miranda delivered automatically. 3 Negotiation Grace negotiates payments, plans, or discounted settlements — governed by your business rules. 4 Payment collection Secure PCI-DSS payment processed in the same interaction. No redirect. No drop-off. 5 Escalation or close Complex disputes or human requests go to your team — with full context, no repetition. Industry Fit ## Built for the two hardest regulated verticals. Collections / ARM Grace works every account, every hour, without a lunch break or a TCPA violation. Collections agencies run on volume and compliance. Grace delivers more of both — simultaneously, at a scale no human team can match. - ✓47% more accounts worked — same operational footprint - ✓63% increase in payments collected from deployed accounts - ✓TCPA, FDCPA, FCRA compliance — engineered into every interaction - ✓Multi-account, multi-client business rule configuration - ✓Escalation to live agents when accounts require human judgment Healthcare Revenue Cycle One patient payment. Eight bills. Four providers. Grace routes it all automatically. Healthcare billing is uniquely complex. Grace was designed for it — not adapted to it. HIPAA-native, payment-smart, and already trusted at top-10 facilities. - ✓24% of all payments handled by Grace within 60 days of launch - ✓Single payment automatically routed to multiple providers - ✓HIPAA and PCI-DSS compliance — native, not retrofitted - ✓Patient satisfaction scores that outperform live agents - ✓RCM firm support: client-level configurability across portfolios " "We've spent 11 years learning what makes a collection conversation actually work: the language, the timing, the empathy, the compliance guardrails. Grace was trained on that. She knows how to resolve accounts because she's seen how real agents do it — millions of times over." Jeff Mains CEO, Intelligent Contacts Competitive Landscape ## Our competitors are raising money to solve a problem we solved years ago. | Capability | Grace / IC | VC-backed AI startups | Generic CCaaS AI | | --- | --- | --- | --- | | Training data | 10 years real conversations | Synthetic / borrowed | Generic LLM | | US compliance depth | ✓FDCPA, FCRA, TCPA, HIPAA native | –Retrofitted or absent | ✗Add-on | | Production status | ✓Live, collecting today | –Raising money to build | –Feature roadmap | | Payment integration | ✓Native — communication + payment | ✗Separate systems | ✗Separate systems | | Healthcare billing routing | ✓Single payment → multi-provider | ✗None | ✗None | | Business model | Bootstrapped, client-funded | VC-dependent | Enterprise license | ![Grace AI collection image](https://intelligentcontacts.com/wp-content/uploads/2026/06/grace_brain_data_patterns.svg) ## Common questions about GRACE AI Is Grace FDCPA compliant? Yes. FDCPA compliance is not a feature added to Grace — it is built into the architecture. Every interaction includes mini-Miranda delivery, dispute handling, and escalation rules by default. Does Grace work for healthcare billing? Yes. Grace handles the specific complexity of healthcare billing — one patient visit, multiple providers, multiple bills — by accepting a single patient payment and automatically routing correct amounts to each provider. How is Grace AI Collection Agent different from other AI collection agents? Grace is the AI collection agent built for compliance from day one — trained on 10 years of real, anonymized consumer collection interactions, not synthetic data. It is already live in production, not in a pilot or funding round. What compliance laws does Grace cover? Grace is designed around FDCPA, FCRA, TCPA, HIPAA, and PCI-DSS. These are not add-ons — they are the design constraints the product was built inside of from day one. What results has Grace produced in live deployments? In live deployments, Grace produced a 63% increase in payments collected and a 47% increase in accounts worked. At a top-10 healthcare facility, Grace handled 24% of all payments within 60 days of launch. Does Grace replace human agents entirely? No. Grace handles the full collections workflow autonomously — authentication, negotiation, payment, and settlement — but escalates disputes, legal flags, and explicit human requests to live agents with full context passed on transfer. ###### Live in Production | 11 Years in the Making ## See Grace collect. In a live demo. We’ll show you exactly how Grace works in your vertical — with your account types, your compliance requirements, and your business rules. No sales theater [TALK TO AN EXPERT](#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjQ0MjA2NzYiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D) [See Other Agents](https://mktg.intelligentcontacts.com/ai-agent-trial/?utm_source=website&utm_medium=landing_page&utm_campaign=grace_ai) No minimum seat requirement. No enterprise contract required to evaluate.