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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.

First-Party Collections

Strengthen your in-house recovery with AI-powered engagement, human expertise, and customer-first communication for early-stage debt recovery.

Trusted by Industry Leaders Worldwide

See What’s Holding Your A/R Back

In-house collection teams often struggle to maintain efficiency, engagement, and visibility across growing account volumes.

Limited Outreach Capacity

Low Customer Engagement

Inefficient Follow-Ups

Data and Visibility Gaps

Transform Your Internal Collections Approach

Turn every account interaction into an opportunity for successful, on-brand debt recovery.

Expertise That Delivers

Our extensively trained A/R professionals use proven first-party debt collection strategies to maximize recoveries.

Reach Customers Everywhere

Connect through letters, emails, SMS, and voice for timely, effective outreach through omnichannel engagement.

Engagement That Works

Empathetic, personalized communication drives stronger customer response and satisfaction in early-stage collections.

Revenue-Driven Collections

Targeted follow-ups accelerate payments and enhance portfolio performance.

On-Brand Recovery

Every interaction reflects your brand, preserving trust while recovering outstanding balances.

Early Intervention for Maximum Recovery

Act quickly on recent delinquencies to drive higher engagement rates and faster payments.
Seamless Integration to Third-Party Collections

Your AI Account Concierge

Empower your workforce with a conversational AI that stays on-brand, compliant, and drives efficient collections.

Emily

Built on 30+ years of fintech expertise.

What she can do for you:
Communicate with empathy
Transfer calls to live agents
Accept secure payments
Handle disputes & more

The AI Concierge Advantage

Combine human expertise with AI precision to accelerate recoveries, reduce costs, and improve engagement across every account.

Higher Recovery Rates
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Reduction in Operational Costs
0 %
First-Contact Resolution Rate
0 %

Real-Time Insights at Your Fingertips

Monitor portfolio performance, track collections, and measure engagement with an intuitive, data-driven dashboard.

Results of Our People-First Approach

Blending decades of expertise with AI innovation to transform recovery outcomes.

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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Turn Unpaid Balances into Performance

Leverage our expert, on-brand internal collections approach to boost recovery while preserving customer relationships.

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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