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Debt Collectors Go From From Stone Age to Drone Age - NerdWallet

Zoey, a collections avatar by BeGuided Inc. Behind on bills? Brace yourself. Debt collectors are adopting high-tech tactics to boost payments. Watch your smartphone for avatars that coo and voicemails that arrive without a sound. Collections agencies are evolving from the financial stone age of dunning letters and manually dialed phone calls into an era more like drone combat. New collections techniques save labor and skirt rules of engagement. The inventive approaches surprise debtors and rile consumer advocates. But company managers contend their innovations actually benefit consumers as the industry performs its unpopular but necessary role. Debt collectors have long chafed at regulations that restrict how often they can call consumers, and require debtors’ consent to be called. New software lets collectors sidestep those rules, inserting voicemails into phones by the thousands without a ring.

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