The New Standard in Debt Collection, Powered by AI, Built for Results

Collect faster. Cut costs. Stay compliant — without the manual overload. Kollx helps recovery teams do more with less using AI that works behind the scenes.

Powering the Ecosystem with Trusted Partners

Smarter Debt Collection for Real Results

AI automation, real-time insights, and built-in compliance — all working seamlessly together to boost recovery and reduce costs.

Increase Collections

Recover more, faster — connect with consumers seamlessly across 15+ channels using the right message, on the right day, at the right time.

Cut Operating Costs

Lower your cost-to-collect by automating outreach and using AI-driven insights to boost agent productivity.

Ensure Compliance

Stay audit-ready with built-in safeguards and automated monitoring for Reg F, FDCPA, and TCPA compliance. "

AI That Collects Smarter, Not Just Faster

From intelligent outreach to compliance-aware automation, Kollx AI empowers your team with the insights, timing, and tools to resolve more accounts — with less effort and greater impact

Kollx 360 - Virtual Collector

Collect More, Around the Clock — With AI That Never Sleeps

Let AI take over the grunt work. Kollx 360 automates every outreach step, from personalized messaging to real-time replies, across 15+ channels. It meets consumers where they are, recovers faster, and keeps you fully compliant

‍Kollx Pro - Debt Collection CRM

The Smarter Way to Manage Debt

This AI-powered CRM matches accounts with agents based on performance data and consumer profiles, making workflows more efficient and improving collection outcomes. With real-time insights and seamless integrations, it’s designed to empower your team and ensure compliance.

Tools That Transform Every Step of Debt Collection

Kollx AI blends predictive automation, real-time insights, and personalized outreach across every channel — helping you accelerate recoveries, cut costs, and stay effortlessly compliant from day one

Multi-Channel Communication

Connect with consumers across SMS, email, WhatsApp, and more — all from a single, integrated platform.

AI-Driven Account Matching & Insights

Let AI assign the right accounts to the right agents, improve agent workflows, and analyze performance data to refine strategies.

Built-In Compliance and Multilingual Support

Stay fully compliant with FDCPA, TCPA, and UDAAP — while connecting in your consumers’ preferred languages, across every channel.

Built by Collectors

Kollx AI is the product of decades of debt collection experience, combining real-world insights with cutting-edge technology to deliver proven results.

Developed in Real-World Environments
Built, tested, and refined by actual collectors — not just software engineers. Kollx AI tackles the real challenges agencies face every day, across teams of every size and complexity.
Led by Proven Industry Experts
Our founders bring over 50 years of combined experience in debt collection, ensuring every feature solves real collection problems.
Trusted by Industry Leaders
Kollx AI is trusted by leading creditors, fintechs, and collection agencies across North America — helping them recover more, stay compliant, and reduce operational drag.
Innovating Through Experience
Every feature in Kollx is born from firsthand knowledge. We’ve embedded decades of insight into features you can use and tailor to your exact business needs.

See the AI Advantage in Action

Whether you need always-on automation or smarter tools for your team, Kollx helps you overcome today’s collection challenges — with greater speed, control, and results.

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Experience the AI Advantage Whether you choose full automation or agent assist, our intelligent collection platform solves today’s biggest recovery challenges with precision, speed, and scale.

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34
%
More Accounts Resolved AI-powered workflows target the right accounts, on the right channels, at the right time — driving faster recoveries.
40
%
Lower Operating Costs Virtual collectors and AI-assisted agents reduce overhead by automating manual tasks and accelerating resolution speed.
31
%
Increase in Right-Party Contacts Multichannel outreach via SMS, email, and WhatsApp boosts engagement and connection rates with modern consumers.

Built for Your Industry. Tuned for Your Challenges

Kollx AI adapts to the demands of financial services, healthcare, and third-party collection agencies — offering tailored workflows, compliance safeguards, and communication strategies that fit your reality.

Financial Services

Streamline Recoveries for Consumer Lending

Connect with borrowers using AI-powered outreach and optimized workflows, built for banks, credit unions, and alternative lenders aiming to maximize recoveries and reduce risk.

Collection Agencies

Handle High Volumes with AI-Powered Precision

Empower your collectors with automation-first tools, real-time analytics, and smart account routing, designed to boost performance while cutting manual load.

Healthcare

Simplify Healthcare Debt Recovery

Support patients with empathetic, compliant engagement across channels — helping providers recover balances while preserving relationships and trust.

Ready to Transform Your Collections Strategy?

Discover how Kollx AI can help you collect more, cut costs, and stay compliant—all with the power of AI.

TotalCollectR is now Kollx AI
Smarter tools. Stronger outcomes.
One powerful AI-powered suite.
Here is why it matters