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.
PAYMENTS
COLLECTED
ACCOUNTS
WORKED
FASTER
COLLECTION
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Grace is in production today. These metrics come from real accounts, real consumers, and real collections operations.
Increase in payments collected across deployed accounts
More accounts worked — same headcount, more coverage
Of all payments handled by Grace within 60 days at top-10 healthcare facility
Real, anonymized training data — not synthetic, not borrowed
Grace is in production today. These metrics come from real accounts, real consumers, and real collections operations.
Offer self-service options and personalized communication via voice, text, email, and chat—all from one intuitive platform.
Send automated billing reminders, capture payments via IVR or text, and reduce no-pays with CCOF support.
Use AI and smart routing to reduce repetitive calls and admin work—freeing staff for high-value care.
HIPAA + HITECH certified. 100% PCI-compliant payment workflows. No need for in
-house dev or IT.
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.
Verifies every caller before any account data is shared. Multi-field verification with escalation on failure — FDCPA-compliant by design.
Collects full or partial payments, validates amounts, accepts new or saved payment methods, and confirms in real time.
Presents eligible accounts, negotiates payment plans according to your business rules, processes and confirms, all in one call.
Makes and receives settlement offers to find the best solutions for all parties — the full negotiation cycle, automated.
Answers balance questions, explains creditor information, handles multi-account portfolios — clearly and compliantly.
Disputes, legal flags, and human requests are escalated immediately and silently — with context passed to the live agent on transfer.
Grace reaches out via voice, SMS, or web — on the channel the consumer prefers.
Identity verified. Account details surfaced. FDCPA mini-Miranda delivered automatically.
Grace negotiates payments, plans, or discounted settlements — governed by your business rules.
Secure PCI-DSS payment processed in the same interaction. No redirect. No drop-off.
Complex disputes or human requests go to your team — with full context, no repetition.
Collections agencies run on volume and compliance. Grace delivers more of both — simultaneously, at a scale no human team can match.
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.
"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."
| 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 |
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.
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.
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.
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.
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.
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.
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
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