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The Compliance-First

AI Platform
Delivering 10x ROI
for Debt Collectors

Recover more while spending less. Operator Labs delivers 100x call throughput, 5-8x cost efficiency, and zero compliance risk — fully aligned with FDCPA, Reg F, and TCPA.

Whether you're a contingency agency or a debt buyer, our clients see 10x ROI within the first year.

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  • FDCPA-Aligned
  • Reg F 7-in-7
  • TCPA-Aware
  • Full Audit Trail
  • STIR/SHAKEN & Branded Calling
Industry Challenges

Why Debt Collectors Struggle Today

  • High Operating Costs
  • Compliance Risk
  • Inconsistent Results
  • Scalability Issues
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High
Operating Costs

Each collector costs $50–60K/year, before software & overhead.

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Compliance
Risk

One missed Reg F cadence or FDCPA disclosure = lawsuits/fines.

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Inconsistent
Results

Human error → uneven RPC/PTP.

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Scalability
Issues

Humans max out at 50-100 calls/day. Growth = linear expense.

Our Solution

AI Voice +
Optimization = 10x ROI

Operator Labs is more than automation — it's a category-defining platform that transforms cost structure, scale, and compliance into measurable ROI.

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Compliance by Design

FDCPA, Reg F, TCPA built-in.

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Proprietary AI Playbook

Data enrichment, local presence, branded dialing, anti-spam, multi-channel SMS/email.

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Massive Scale

From 100 calls/day (human) to 10,000+ calls/day (AI).

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Human-in-the-Loop

AI warms and qualifies, then hands off for final payment/dispute.

See How It Works
HEAR OUR

AI Agent in Action

Try It Yourself

Live AI Call

Get a live demo call from our AI agent. Hear disclosures, repayment conversation, and compliance in action.

The ROI Agencies Care About

From $150K Investment → $1.5M+ in Returns

Agencies finally get the scalability of AI + the compliance guardrails of law

Pay-as-you-go. Start

Free

No upfront payment required.

Average Annual Returns

$1.5M+

In added recoveries and cost savings.

That's a

10x

ROI within the first year.

Case Studies

Solutions Across Industry

Case Study A — Contingency Agency

Challenge

10 FTEs handling 4,000 daily calls; high turnover, compliance misses.

Solution

AI + Reg F cadence + branded calling + SMS reminders.

Results

RPC 2x higher, PTP 2x higher, 10x call volume without new hires, compliance 100%.

ROI Delivered

~9x first-year return.

Case Study B — Debt Buyer

Challenge

ERC falling short, portfolios underperforming.

Solution

AI + multi-channel follow-ups + data enrichment.

Results

ERC 3x higher on neglected accounts, liquidation curve extended, zero compliance breaches.

ROI Delivered

~8x portfolio-level return.

How It Works

From Pilot to Scale in Hours

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Configure

Upload scripts, or start with our compliance playbooks.

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Pilot

Launch in 24 hours with dashboards, RPC/PTP metrics, and audit logs.

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Scale

Expand to 10,000+ calls/day, branded calling, SMS/email, and seamless human transfer.

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OUR PRICING

ROI-Driven, Not Seat-Driven

  • No seat licenses. No per-minute confusion.
  • Contingency Agencies: Pricing tied to % collected.
  • Debt Buyers: Pricing tied to ERC uplift & liquidation gains.
  • Clients typically see 8-10x ROI on annual spend.

*Performance-based pricing: we only make money when you do.

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Built-In

Compliance & Deliverability

  • FDCPA aligned:Mini-Miranda + dispute handling
  • Reg F:7-in-7 cadence enforced automatically
  • TCPA:Consent-aware + opt-in capture
  • Spam Shield:Branded calling + attestation avoids “Spam Likely”
  • Audit Trail:Exportable logs prove zero violations.
Security

Compliance Certification

HIPAA Compliance
FAQ Section

Frequently Asked Questions

We’re built specifically for debt collection. Our platform combines AI voice agents with compliance-by-design (FDCPA, Reg F, TCPA) and proprietary dialing strategies like branded calling, number rotation, and data enrichment to maximize right-party contacts (RPC) and promises-to-pay (PTP).
Yes. Compliance is baked into the platform. Calls begin with the Mini-Miranda disclosure, Reg F “7-in-7” cadence rules are automatically enforced, and TCPA consent safeguards are built in. Every call generates an audit trail for your legal team.
Minimal effort. You provide account data (consumer name, balance) and any specific disclosures you use. We handle configuration, dialing strategies, and compliance guardrails.
Beyond AI voice, our optimization layer includes:
  • Smart number selection (local presence & branded dialing).
  • Anti-spam attestation to avoid “Spam Likely” flags.
  • Multi-channel sequencing (calls + SMS + email).
  • Data enrichment to improve connect and conversion rates.
Our pricing is performance-based. For contingency agencies, fees align with a percentage of dollars collected. For debt buyers, pricing ties to uplift in ERC and liquidation rates. Clients typically see 8–10× ROI on their spend.
Yes. Payments can be routed via Stripe for secure processing, or calls can be seamlessly transferred to a live agent for final capture or settlement.
Our AI is trained to handle common objections empathetically, log disputes for compliance, and escalate to a human when needed. No harassment, no threats — just compliant engagement that maintains your reputation.
Most pilots launch within 24 hours after a short discovery call. We either use your existing scripts/disclosures or apply our pre-built compliance playbooks to configure the AI voice agents.
Virtually unlimited. Human agents cap at 50–100 calls/day; Operator Labs can scale to 10,000+ calls/day per campaign without additional headcount.
? Clients typically see 8–10× ROI within the first year. For example, a $150K annual investment can yield $1.2M–$1.5M+ in recoveries and savings through higher RPC/PTP rates, lower staffing costs, and smarter liquidation strategies.
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Debt Collections Reimagined

Ready to 10x ROI in Collections

Operator Labs is the compliance-first AI platform built for debt collection — designed for scale, proven to outperform human limits, and delivering 10x ROI.

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