Collect what you're owed
without losing customers
CollectInHouse is an automated in-house collections platform that helps you recover outstanding balances using your own brand name and voice, lower your collection costs, and protect the customer relationships you worked hard to earn.
PCI DSS Level 1 · FDCPA & Reg F aligned · No setup fees
Recovery dashboard · illustrative
Accounts Receivable · Q3
Payments this quarter
$4.82M
Resolution by channel
92% of customers retained after payment
Figures reflect combined results across all Advanced Cash Management solutions — including chatbots, IVR, SMS, and outbound dialing — which together recovered $4.82M. Dashboard shown is illustrative.
Built for compliance from day one
Everything you need to recover revenue — responsibly
CollectInHouse replaces aggressive third-party agencies with an intelligent first-party system that treats your customers like customers. Digital-first automation handles routine outreach and payments, while live bilingual agents step in for the conversations that need a human — all under your brand and fully compliant, backed by 25+ years of collections expertise from Advanced Cash Management.
Omnichannel outreach engine
Reach every account through SMS, automated AI phone calls, and live agents — with AI choosing the right message, channel, and timing to maximize recovery while staying empathetic.
Your brand, your voice
Every email, text, and call goes out under your name. Customers never feel handed off to a third-party agency.
Compliance on autopilot
FDCPA, Reg F, TCPA, and state rules are enforced automatically with a complete, exportable audit trail.
Frictionless self-serve payment
Hosted payment pages, plans, and one-tap links let customers resolve balances in seconds, on any device.
Plug into your stack
Native connectors for Stripe, your current processor gateway, and your data warehouse — live in days, not quarters.
Recovery analytics
Track promise-to-pay, roll rates, and net recovery in real time, with segments you can act on instantly.
Branded SMS with payment links
Verified texts carry your logo, a secure custom payment link, and a one-tap IVR callback — so customers trust the message and resolve balances in seconds.
Live bilingual agents
When a customer needs a person, fully bilingual, bi-cultural agents from our sister company Nearshore Reps step in — preserving the relationship in English or Spanish.
EMR & system integration
Connect directly to your EMR, billing, or ERP for same-day posting and reconciliation, keeping balances accurate without manual data entry.
Live in days, recovering by next billing cycle
Getting started takes days, not quarters. Once your accounts are connected, the platform runs a consistent, compliant outreach program end to end — and hands off to a live agent the moment a customer wants to talk.
Every account matters
Unlike a collection agency that cherry-picks the accounts most likely to pay, CollectInHouse gives every overdue account the same consistent, branded, compliant outreach ��� so no balance gets ignored.
- Import accounts from your EMR, billing, or ERP system.
- Automatic segmentation by balance, age, and customer profile.
- A guaranteed minimum outreach cadence for every balance.
All accounts are treated equally
Every account receives consistent outreach and a fair opportunity to resolve.
Fair & consistent
Every customer gets a fair chance.
Stronger relationships
Build trust while recovering more.
Better long-term results
Improve lifetime value and loyalty.
Focused on highest propensity to pay
Agencies prioritize accounts most likely to pay, leaving others behind.
Accounts ignored
Many accounts never get contact.
Customer experience
Customers feel overlooked or unfairly treated.
Limited recovery
Less overall recovered revenue over time.
Engage in your voice
Personalized, compliant outreach goes out across email, SMS, and voice — always branded as you, never as a collector.
- Branded SMS with your logo, a payment link, and IVR callback.
- AI-powered digital agent for inbound and outbound calls.
- Smart timing and channel selection to maximize response.
Professional, on-brand account updates that customers recognize and trust.
Timely, compliant text reminders from a verified business identity.
Automated and live-agent calls placed under your name, never a collector's.
100% compliant
TCPA, FDCPA, HIPAA & more
Secure & private
Enterprise-grade data protection
Personalized
Relevant messages that build trust
Branded as you
Every message carries your name
Resolve & retain
Customers settle on their terms — through self-serve payments and flexible plans or with help from a live agent — while you keep the relationship and the lifetime value.
- One-tap hosted payments and flexible payment plans.
- Live bilingual agents from Nearshore Reps when a person is needed.
- Same-day posting back to your system of record.
Outstanding accounts
Unpaid balances need attention
CollectInHouse
Branded, compliant outreach
Relationship retained
Paid, with loyalty intact
Self-serve payments
Pay on your terms, anytime, anywhere.
Flexible payment plans
Plans that fit the customer's budget.
Live agent help
Real people, real solutions when it matters.
How the flow works
From past-due file to deposited funds
A fully automated path that resolves balances while keeping every customer interaction branded, compliant, and on your terms.
Client submits past-due accounts
Upload a file of accounts
The client securely submits a file of past-due accounts.
Multichannel outreach goes out
Automated phone calls
AI-driven voice outreach reaches every account.
SMS messages
Compliant text reminders with secure links.
Branded, on-message email outreach.
The debtor chooses how to pay
Pay by phone
Settle balances directly on the call.
Pay by SMS
One-tap payment from a text link.
Web payment form
Secure self-serve checkout, any device.
Or transfer to a live agent
At any point, the debtor can opt to speak with a real person for help resolving their balance.
Funds are deposited
Client's share hits their bank
Once a payment clears, the client's portion is deposited directly into their bank account.
Why first-party collections matter
Industry benchmarks show that acting early, while you still have a direct relationship with the customer, recovers more revenue and burns fewer relationships.
Sending accounts to a third-party agency does not guarantee that every balance will receive meaningful attention. Due to labor costs, staffing challenges, and account volume, many agencies must focus their efforts where they believe recovery is most likely. CollectInHouse helps you reach customers earlier, reduce collection costs, and ensure every account receives a consistent minimum level of outreach before you decide whether agency placement is necessary.
20–30%
typical recovery rate for third-party agencies
~35%
recovery first-party collections can reach on fresh accounts
90 days
the window before recovery rates drop sharply
5–10%
recovery once accounts age past 180 days
Act early
Reaching customers while the relationship is fresh recovers far more than waiting for accounts to age.
Stay on brand
Branded, respectful outreach keeps customers engaged and protects lifetime value instead of burning it.
Blend automation with people
Digital-first outreach plus live bilingual agents means every account gets the right touch to resolve.
Figures shown are U.S. industry averages drawn from third-party sources such as ACA International benchmarks, not results from our own platform. CollectInHouse is a new, upgraded platform from Advanced Cash Management, built on over 25 years of experience in the debt collection business. While the solution is new and does not yet have verified platform-specific performance data, recovery results can vary depending on account age, balance amount, industry, customer profile, and the outreach strategy used.
Backed by decades of collections experience
CollectInHouse is a new platform, but it is not a first attempt. It is built by Advanced Cash Management, a team that has spent over 25 years recovering receivables the compliant way.
Most balances are recoverable if you reach the customer early, respectfully, and under your own brand. We built CollectInHouse to give any business that same first-party advantage — without the compliance risk of a traditional agency.
25+ years
in the debt collection business through Advanced Cash Management
Nationwide
receivables experience across consumer and commercial portfolios
Compliance-first
outreach built around FDCPA, Reg F, and TCPA safeguards
CollectInHouse is a new platform and does not yet publish platform-specific client results. The experience referenced above reflects Advanced Cash Management's history in the collections industry.
Recover with confidence, not exposure
When collection agencies are involved, compliance is not optional. As collection laws continue to tighten, traditional agency outreach is becoming harder, slower, and riskier. CollectInHouse helps keep outreach within the rules by embedding key safeguards into the platform, so your team can act faster without putting your organization's reputation at risk.
Regulation-aware by design
Frequency caps, quiet hours, and consent rules for FDCPA, Reg F, and TCPA are enforced before a single message sends.
Consent & opt-out management
Prior express consent is tracked per contact, and STOP, HELP, and unsubscribe requests are honored instantly across every channel.
Complete audit trail
Every interaction is logged, timestamped, and exportable — so audits and disputes are answered in seconds.
Enterprise-grade security
SOC 2 Principles, encryption in transit and at rest, role-based access, and data residency controls.
Frequently asked questions
Everything you need to know about recovering receivables in your own voice ��� compliant, automated, and built to keep customers.
What is first-party collections and how is it different from a collection agency?
First-party collections means outreach happens under your own brand name and voice, as an extension of your team — not handed off to a third-party agency. Customers stay in a relationship with you, which preserves trust and lifetime value. CollectInHouse automates that outreach across email, SMS, and voice while keeping it branded as you.
Is the platform compliant with FDCPA, Reg F, and TCPA?
Yes. Frequency caps, quiet hours, and consent rules for FDCPA, Reg F, and TCPA are enforced before any message is sent. Every interaction is logged, timestamped, and exportable, so audits and disputes can be answered quickly with a complete audit trail.
How do customers pay?
Customers can resolve their balance on their own terms — by phone, by SMS, or through a hosted web payment form — with options for one-time payments and flexible payment plans. They can also transfer to a live agent at any point if they prefer to speak with a person.
How quickly can we get started?
Most teams are live in days, not quarters. You export or sync your overdue accounts from your existing billing system, and CollectInHouse enriches and segments them by age, balance, and behavior in minutes — then branded outreach begins automatically.
Does it integrate with our existing billing and payment systems?
Yes. The platform connects with common billing systems and payment processors, including Stripe and your current processor gateway, plus your data warehouse. You keep your existing stack and simply layer automated, compliant outreach on top.
When do we receive the funds that are collected?
Once a customer pays, your portion of the recovered funds is deposited directly into your bank account. Every transaction is tracked end to end so reconciliation is straightforward.
How much does CollectInHouse cost?
Pricing is contingency-based, so you only pay when we recover funds. The rate is 15% of the balance submitted when it is collected through automation and 20% when it is collected by a live agent. There is no collection, no fee — if nothing is recovered, you owe nothing. We ask for a minimum of 30 days to attempt recovery on submitted balances.
Is first-party collections better than using a collection agency?
For most businesses, yes. A third-party agency typically keeps 25% to 50% of what it recovers and contacts your customers under an unfamiliar name, which damages the relationship and future revenue. First-party collections keeps outreach branded as you, so you recover more of the balance, preserve customer lifetime value, and pay a lower contingency rate.
Will automated collections hurt our customer relationships?
No — that is the core reason first-party collections exists. Messages go out under your brand in a professional, respectful tone, with frequency caps and quiet hours enforced automatically. Customers can self-serve a payment or reach a live agent at any time, so the experience feels like support rather than pressure.
What types of accounts and industries does CollectInHouse work with?
The platform works for any business carrying past-due receivables — including healthcare, financial services, SaaS and subscriptions, utilities, property management, and B2B invoicing. Accounts are segmented by age, balance, and behavior so outreach is tailored to each situation.
How does CollectInHouse keep us compliant with collection laws?
Compliance rules for the FDCPA, Reg F, and TCPA — including contact frequency caps, quiet hours, and consent requirements — are enforced before any message is sent. Every interaction is logged, timestamped, and exportable, giving you a complete audit trail to answer disputes and regulatory reviews quickly.
Do we need to replace our current billing or payment system?
No. CollectInHouse layers on top of your existing stack. You keep your current billing system and payment processor, and we connect to them plus your data warehouse, so there is no rip-and-replace and no disruption to how you already invoice and get paid.
See how much revenue you could recover
Book a 20-minute demo and we'll model your recovery potential against your current process — no commitment.
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