Accord AI

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  Debt collection AI agent configuration

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  Campaign execution page with debtor segmentation

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  Debtor profile and conversation history

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  Payment Portal

Inspiration

Debt collection is broken—an enormous, inefficient market plagued by outdated, manual processes. Today’s systems force collectors into repetitive tasks such as account consolidation, segmentation, campaign creation, outbound calling, invoice generation, and reporting. After building a CRM for debt collectors and witnessing persistent human errors, I realized that AI agents could automate these tasks, reduce mistakes, and transform the entire debt collection value chain.

What it does

Accord is an AI agentic platform that transforms outbound debt collection. It uses a voice agent to engage debtors in personalized, compliant conversations that boost recoveries and cut costs—while treating customers with fairness and empathy.

How we built it

Voice Orchestration: ElevenLabs Conversational AI Hosting: Vercel Outbound Calls: Twilio LLMs: GPT-4o

Challenges we ran into

Real-Time Call Orchestration: Integrating ElevenLabs for live voice interactions required creative polling for conversation IDs. Feature Scope: We aimed to include robust debtor segmentation, but time constraints kept our MVP focused on core voice interactions.

Accomplishments that we're proud of

We successfully deployed a voice AI agent that autonomously initiates outbound calls, streamlines compliance, and automates repetitive tasks—proving that automation can significantly improve debt collection outcomes.

What we learned

Time constraints prevented us from building a complete payment portal. However, leveraging platforms like Lovable demonstrated that integrated payment solutions can be developed quickly.

What's next for Accord AI

Our next step is to engage directly with debt collectors and industry experts to deeply understand the workflow challenges. We plan to partner with collection agencies to deploy Accord, refine its capabilities, and build a full-scale solution that transform debt collection.

Built With

• elevenlabs
• lovable
• nextjs
• openai
• shadcn
• vercel