2 Collections AI Agents, Live in Production.

Collections automation fails in a specific and damaging way. A dunning sequence is easy to implement and, once running, it escalates on a schedule without reading the account. So a customer who is disputing an invoice for a good reason receives a firm demand, a customer whose payment crossed in the post receives a final notice, and a long-standing account gets a legal threat generated by a rule. Each of those costs more than the invoice. The opposite failure is manual collections, where the sequence depends on whoever has time — accounts drift, nobody knows which stage anything is at, and the oldest debt gets chased hardest regardless of whether it is recoverable.

These two agents split the sequencing from the contact, which is the design decision that makes automated collections safe. Dunning Management places every overdue account at the right stage, sets the next action and date, and hands the escalations to a person — and deliberately drafts no customer contact at all. It manages state, not communication. Overdue Invoice Chasers then drafts a collection note for each overdue invoice, pitched to how late it is, with every draft approved individually and nothing sent. Approval per note rather than per batch is what catches the account where the tone would be wrong: the reviewer sees this customer, this invoice, this wording, and can stop the one message that should not go.