AI-Powered Collections Training

Train Your Collectors
on Real Conversations
Before They Go Live

Build A Consumer gives collections teams AI-powered practice scenarios that sound, respond, and push back like the real people they'll call every day — resistant, cooperative, disputing, and everything in between. Just dial a number. No logins. No setup.

4
Live Scenarios
0
Logins Required
FDCPA
Compliant Training
Practice Calls
Process

Frictionless by Design

No dashboards, no onboarding, no tech stack. Your collectors pick up the phone and practice — exactly like they would on a live account.

01

Pick Your Scenario

Choose from four training scenarios — from a cooperative first-time caller to a legally-aware disputer. Each has its own dedicated training line.

02

Review the Account

Collectors get a printed or digital account card — just name, DOB, debt type, amount, and prior call notes. Nothing else. Exactly what you'd see in a real dialer.

03

Make the Call

The AI answers in character and responds to your approach in real time. Use proper Mini-Miranda disclosure, verify identity, navigate objections, and close toward payment.

04

Debrief with Your Trainer

After the call, trainers use the full persona guide to walk through what worked, what didn't, and what the correct path looked like.

Bob Myers
New Account
Debt Type
Medical Bill — Physician Services
Balance Due
$250.00
Date of Birth
March 15, 1985
Date Placed
6 months ago
📞
Training Line
[Your Beta Number]

Four Scenarios.
To Start Built to Grow.

Each scenario has three levels: cold account, account with history, and full trainer debrief.

The Forgetter · Beginner
Bob Myers
$250 · Medical Bill · 6 months old
Friendly, slightly distracted, not hostile. He forgot about the bill — life got busy. Has the money and will pay if asked clearly and directly. Ideal for new agents learning the basics.
Difficulty
The Confronter · Advanced
Karen Walsh
$1,200 · Credit Card · 4 months in collections
Angry, defensive, and at her breaking point after months of calls. She knows she owes but won't admit it easily. Tests de-escalation, patience, and compliance under pressure.
Difficulty
The Hardship Case · Intermediate
Marcus Johnson
$3,400 · Hospital ER Bill · 8 months old
Laid off, two kids, barely covering rent. He wants to pay and won't lie about his situation. Tests whether your collector can lead with empathy and structure a realistic plan.
Difficulty
The Disputer · Expert
Lisa Chen
$890 · Utility Bill (Disputed) · 14 months
Calm, articulate, and knows her FDCPA rights cold. She is formally disputing the debt and will not pay today. Tests whether your collector knows exactly what to do — and what not to do.
Difficulty
Pricing

Simple. Predictable. No Per-Call Surprises.

Priced per team, not per user. Your collectors practice as much as they need to — the bill stays flat.

Starter
$99 / month
Ideal for small teams getting started with AI-assisted training during beta.
  • All 4 training scenarios
  • Unlimited practice calls
  • Printable account cards (PDF)
  • Trainer debrief guide included
  • Up to 10 collectors
  • Email support
Get Started
Enterprise
Custom
Custom scenario builds, white-label options, and LMS integrations for large agencies.
  • Everything in Team
  • Custom scenario personas
  • White-label available
  • LMS / CRM integration
  • Dedicated account manager
  • SLA-backed support
Contact Sales
Beta Feedback

What Early Users Are Saying

"
Karen Walsh absolutely broke one of our newer collectors. He wasn't ready for that level of pushback — and that's exactly the point. Better to find that out here than on a live account with a $1,200 balance.
R
Rachel D.
Collections Supervisor · Mid-size Agency
"
The Lisa Chen scenario is genuinely hard. I've been in collections for 11 years and I still had to think about the right move. That's a well-designed training tool.
M
Marcus T.
Compliance Officer · Regional Collections Firm
"
My team used to role-play with each other and everyone knew all the answers. This is different — the AI doesn't go easy on you and it doesn't tip you off. First call with Bob still surprised a few people.
J
Jennifer P.
Training Manager · Debt Collection Agency
Questions

Frequently Asked

Do my collectors need to create accounts or download anything?
No. Each scenario has its own phone number. Your collectors dial it from any phone — desk phone, cell, doesn't matter. Nothing to install, no login required.
How does the AI know how to respond like a real person on a collections call?
Each persona is built on a detailed behavioral profile — personality, financial situation, emotional triggers, and compliance knowledge. The AI adapts in real time based on how the collector approaches the call.
Is this FDCPA-compliant for training purposes?
Yes. The scenarios are designed around real FDCPA compliance requirements — Mini-Miranda disclosure, identity verification, dispute handling, and prohibited conduct. The Lisa Chen scenario specifically tests FDCPA knowledge.
Can I add custom scenarios for my specific portfolio types?
Custom persona builds are available on the Enterprise plan. Contact [email protected] to discuss your portfolio types and we'll scope a build.
How many collectors can use the system simultaneously?
On Team and Enterprise plans, there's no limit on concurrent callers. Each scenario line handles multiple simultaneous calls independently.
What does the trainer debrief guide include?
The full persona backstory, the person's emotional triggers and known objections, what the ideal call path looks like, compliance traps to watch for, and specific coaching notes for each scenario outcome.
Is there a free trial?
During beta, we're offering complimentary access to qualified agencies. Fill out the contact form and we'll get you set up with a test call within one business day.
Can I white-label this for my clients?
Yes, white-label is available on Enterprise. This includes custom branding, custom phone numbers under your business name, and a separate trainer portal. Contact [email protected] for details.

Ready to Build Better Collectors?

Join the beta. Your team will make their first real mistake here — not on a live account.

Request Beta Access
Contact

Let's Get Your Team Started

Sales Inquiries
General Info
Enterprise & White-Label
Beta Response Time
Within 1 business day