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Catch us at Money 20/20 🔥 Las Vegas! Experience the future of collections.

Catch us at Money 20/20 🔥 Las Vegas! Experience the future of collections.

MEET EMILY

Your ultimate AI account concierge that embodies 30+ years of credit & collection expertise.

Customer Expectations Outpace Human Capacity

Rising inquiry volumes and limited bandwidth makes it challenging for teams to respond fast or consistently.

Disconnected Channels & Data

Multiple tools handle customer and payment interactions – but without one unified system, context slips through and response times suffer.

Lack of Visibility and Clarity

When updates on payments or support aren’t communicated in a timely manner, customers lose confidence and trust.

Demand Outpaces Capacity

Teams can’t keep up with rising inquiries and payments, causing slower resolutions and frustrated customers.

Work Smarter with Emily – Your AI Teammate

By combining human intuition with machine intelligence, Emily AI helps teams work smarter, connect better and provide exceptional customer care.

Unified Conversation Hub

Centralizes all messages across voice, email, chat, and SMS – ensuring context stays intact and no inquiry slips through.

Real-Time Insights & Visibility

Equips teams instant access to customer status, payment history, and prior interactions for quicker, more personalized service.

Scalable AI-Powered Responses

Automatically engages customers with tailored replies, confirmations, and reminders – 24/7, across both support and collections.

Seamless Handoff to Humans

Inteligently routes complex issues to the right team member with full context – ensuring nothing gets lost and every customer feels heard.

Multilingual Support

Delivers seamless interactions across multiple languages, keeping communication human and inclusive.

Why Businesses Choose Emily AI

With humans at the center, Emily AI helps teams manage conversations, reduce friction, and deliver people-first experiences.

Core Strengths
Always on Support

Handles inquiries 24/7 across channels without losing context.

Boosts Team Efficiency

Automates routine tasks so humans can focus on complex, high-value work.

Improves Customer Satisfaction

Delivers timely, accurate, and consistent responses.

Scales With Your Business

Adapts to growing volumes without compromising quality

Bridges Human & AI Collaboration

Keeps people empowered while AI handles the repetitive work.

Inclusive & Multilingual

Engages customers in their preferred language for a personal touch.

Integrations & Compatibility

  • Seamlessly integrates with your existing CRM, ERP, or accounting systems for a unified workflow.
  • Flexible data connections with APIs and secure import options for smooth synchronization.
  • Global support for international payment gateways and multiple communication channels.

Security & Compliance

  • Built to meet GDPR, PCI DSS, and ISO standards for full compliance.
  • End-to-end encryption with multi-layer authentication for robust protection.
  • Audit-ready reporting and fine-grained data access controls for transparency and trust

Enterprise Grade Security

Designed for enterprise reliability, with certified security, encryption, and full compliance across regions.

SOC 2 Type II

Certified

ISO 27001

Compliant

FCRA

Certified

GDPR

Compliant

256-bit SSL

Encrypted

Results of Our Empathy-Driven Approach

Discover how organizations across industries have transformed their debt recovery operations with COLLECTCO’s AI-powered, empathy-driven solutions.

Accounts Serviced and Recovered in Over 100 Countries:

Billion
$ 0 +

Trusted by Industry Leaders:

Creditors
0 k+

Decades of Expertise:

of Service
0 + Years

Rated Experience:

Reviews
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Transform How You Support Customers

Empower your team with AI that enhances collaboration, boosts productivity, and delivers consistent, human-centered services.

Frequently Asked Questions

Get answers to common questions about Emily AI, our services, and how we can transform your debt recovery operations with intelligent, empathetic solutions.
Cedar Financial offers ethical, compliant debt recovery solutions, including third-party collections, international collections, and early-stage (first-party) recovery for businesses worldwide.

With over 30 years of experience, Cedar combines human expertise with advanced technology to deliver results through a transparent, customer-centric approach – protecting both your brand and customer relationships.

We work across multiple industries, including education, banking, finance, telecommunications, healthcare, e-commerce, and government, providing tailored recovery strategies for each.

It automates routine communication like payment reminders, account updates, and balance inquiries – ensuring consistent, compliant, and timely engagement without human delay.

Yes. Cedar Financial is fully licensed and compliant with federal, state, and international regulations, including FDCPA, GDPR, and other applicable local laws.

Yes. All interactions follow Cedar Financial’s global compliance framework – including FDCPA, TCPA, and GDPR standards – ensuring every message is ethical, secure, and compliant.

Absolutely. With global offices and local partners in over 150 countries, we provide worldwide recovery with local expertise and cultural alignment.

Our collectors are professionally trained to engage with empathy, respect, and transparency – maintaining compliance and protecting your brand reputation at every step. In addition to training, all of our consumer interactions are monitored constantly by AI Tools and our QA Team to ensure quality and compliance standards are maintained.

Simply reach out through our request a quote form or email. Our team will assess your needs, discuss service options, and guide you through a seamless onboarding process.

Yes. We offer flexible data exchange options and integration capabilities to ensure efficient communication and smooth case management between systems.

Clients receive real-time updates, detailed reporting, and access to account status through client portals, ensuring full transparency.

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