AI-assisted communication, compliance automation, recovery analytics, and automated payment resolution — purpose-built for Texas commercial collections. Not a traditional agency. A precision operating system.
Structured communication workflows handle initial outreach, follow-up sequences, and portal notifications — all logged, timed, and compliant with Texas and federal requirements.
Automated initial contact, reminder, and resolution email sequences — each pre-approved for tone, timing, and regulatory compliance. Human review gates for escalated communications.
Debtor-facing payment portal notifications, due date reminders, and status updates delivered via secure messaging. Optional SMS reminders 7 days before installment due dates.
AI-generated communication drafts routed to operators for review before dispatch. Human-in-the-loop ensures accuracy for sensitive situations — attorney involvement, disputes, payment plan setup.
Every outbound communication automatically logged with timestamp, recipient, content type, and outcome. Immutable audit trail for regulatory review and dispute resolution.
Account submission includes debtor information, obligation details, documentation, and business context. System validates and organizes all inputs into a structured account record.
Engine analyzes debt structure, payment history, business operational indicators, engagement patterns, and documentation completeness to assess resolution potential and rank recovery pathways.
Payment arrangement, settlement review, operational stabilization, or funding sourcing — ranked by likelihood of successful resolution and aligned with Texas Finance Code Chapter 391 requirements.
Qualified businesses may be presented with optional funding pathways. Always voluntary, with full compliance disclosures and review before any pathway is offered.
Continuous monitoring of engagement activity, payment status, communication compliance, and resolution milestones. Full audit trail maintained throughout the account lifecycle.
Every account receives a composite recovery probability score — updated continuously as engagement patterns, payment activity, and resolution indicators evolve.
0–100 AI-composite score per account, updated on each interaction. Visual bar with color-coded risk level. Historical score trend preserved.
Probability-weighted settlement range based on account history, engagement patterns, and comparable account outcomes — giving operators a data-driven negotiation anchor.
Business health indicators assess stability, payment capacity, and appropriate pathway recommendations — ensuring strategies match the debtor's actual situation.
Operational viability indicators for optional funding sourcing pathways. Requires compliance review before any pathway is presented to the debtor business.
Automated tracking of key events: first contact, payment initiated, arrangement confirmed, settlement signed, account closed — with timestamp and operator attribution.
Aggregate scoring across all accounts — risk distribution, aging trends, resolution velocity, and recovery rate benchmarks — for strategic portfolio management.
Stripe-powered payment infrastructure handles settlement offers, one-time payments, and structured payment plan installments — all with automated retry logic, compliance logging, and real-time status tracking.
AI-generated settlement recommendations with operator approval. Debtors receive secure payment links with a clear settlement offer — resolved accounts automatically marked and logged.
Full-balance and partial payments processed via Stripe. Payment confirmation and cancellation pages with real-time status updates. Instant audit trail for every transaction.
Structured installment plans with per-installment payment links, due date tracking, and automated reminders. Overdue installments trigger retry workflows after 3 failed attempts.
Operators define custom workflow templates with conditional logic — branching paths based on risk level, account type, debtor response, or payment behavior. Automations run on triggers, not schedules.
ResolveIQ is a technology platform that turns your accounts receivable data into structured recovery workflows — with compliance automation and AI-assisted intelligence at every step.