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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.

VISACT™ – Turning Vision into Action

AI that observes your ARM operations and trains your systems, AI agents, and workforce to perform better.

Why Traditional AI Falls Short in ARM

Generic AI models aren’t built for the complexity, compliance, and nuance of receivables operation.

Disconnected Systems

Traditional AI works in silos, missing context across customer, payment, and agent data.

Limited Context

Generic models don’t grasp ARM-specific language, policies, or account nuances.

Data Privacy & Compliance Risks

Most AI tools aren’t built for regulated environments or secure data handling.

How VISACT™ Operates

It transforms disconnected data into intelligent, compliant actions through an adaptive AI workflow.

Observe

VISACT™ continuously observes every system, agent, and interaction – across voice, chat, email, payments, and CRM workflows. It identifies performance patterns, compliance risks, and operational inefficiencies that traditional reporting can’t see.

Improve

Every observation feeds back into VISACT’s learning model, enabling continuous self-optimization. Your operation gets smarter, faster, and more compliant – without manual intervention.

Perform

VISACT™ closes the loop by acting on what it learns. It intelligently routes accounts, adjusts campaign parameters, and recommends next-best actions for agents. With configurable autonomy, you choose what runs automatically and what requires human approval.

Train

The platform then trains your entire ecosystem – workflows, AI agents, and people – to perform better. It refines dialer logic, prioritizes CRM workflows, improves campaign strategies, and coaches collectors with real-time insights derived from top performers

See the Results in Every Interaction

Empower your team with AI that understands your workflows, your data, and your compliance needs.

AI-powered real-time decisioning boosts recovery rates
Lower operational costs through intelligent process automation
AI ensures compliance and protects sensitive data
Empathetic, context-aware AI enhances customer experience
Faster time-to-value with seamless integration and measurable impact

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.

Let’s Redefine What AI Can Do for You

Learn how VISACT™ helps you recover more, work smarter, and build lasting 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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