# FAQ Frequently asked questions. If you don't see your question, [contact support](/troubleshooting/contact-support.md). ## General ### What is ai-collect? A third-party commercial collection agency that recovers unpaid business invoices using a combination of AI-assisted voice and email outreach, a compliance engine, and a debtor self-service portal. ### Is this a real company? Yes. We are a registered business operating under applicable state and federal collection laws. You can look us up. ### Is this a scam? We are not a scam. To verify: * The portal URL is `portal.moderncollections.io`. * We will never ask you to wire money to a personal account or pay in gift cards. * We always identify ourselves and the business we work for at the start of any call. * You can contact our [support team](/troubleshooting/contact-support.md) directly through this site. ### Do you collect from individual consumers? No. We collect on **business** debts only. Sometimes those business debts are owed by sole proprietors (individuals operating a business without a separate entity), in which case FDCPA-class protections apply. ## For debtors ### How did you get my information? The business that placed the account gave it to us. We also use standard skip-tracing methods to verify and update contact info. ### Can I pay over the phone? You can authorize a payment over the phone. Our agent will collect the payment details and process it through Stripe. The portal is generally easier and faster. ### Can I talk to a human? Yes. Ask our agent to switch to human follow-up, or [contact support](/troubleshooting/contact-support.md) directly. The portal also lets you do everything without a phone call. ### What if I don't think I owe this? [Open a dispute](/for-debtors/debtor-portal/opening-a-dispute.md). All collection stops while we sort it out. ### How long will this be on my record? Some accounts we collect are reported to business credit bureaus once they are 60 or more days past due — it depends on your creditor's program with us. We do not report to personal credit bureaus. If you are a sole proprietor, your account is treated as a consumer debt under federal law and is not reported by us. To check whether your specific account is set up for credit-bureau reporting, log into the portal or [contact support](/troubleshooting/contact-support.md). ### What if I just can't pay? [Set up a plan](/for-debtors/debtor-portal/setting-up-a-payment-plan.md) you can afford. If you genuinely can't pay anything, [contact support](/troubleshooting/contact-support.md) and we'll work with you. Settlement or extended plans are sometimes options. ## For creditor partners ### How much do you charge? 5% contingency on amounts we recover in 3P mode. Subscription pricing for 1P (when available). See [Understanding our fees](/for-creditor-partners/creditor-finance/understanding-our-fees.md). ### What if you don't recover anything? You owe nothing. The 5% is contingent on actual recovery. ### How do I get my money? We remit weekly by ACH to the bank account you have on file. See [Reading remittance reports](/for-creditor-partners/creditor-finance/reading-remittance-reports.md). ### Can I recall a placement? Yes, at any time, with no penalty. See [Pausing or recalling a placement](/for-creditor-partners/creditor-operations/pausing-or-recalling-a-placement.md). ### Do you handle international debt? Not currently. We collect within the US. ### Do you do consumer collections? No. Business-to-business only. ### How do I upload accounts? By CSV, by API, or one at a time through the dashboard. A direct QuickBooks Online integration is available. Xero, NetSuite, and Sage integrations are planned but not yet available. See [Uploading your first placements](/for-creditor-partners/creditor-onboarding/uploading-your-first-placements.md). ### How do disputes work? When a debtor disputes, collection pauses. You have 30 days to respond with verification, an adjusted balance, or to withdraw. See [Responding to a dispute](/for-creditor-partners/creditor-operations/responding-to-a-dispute.md). ### Can I have multiple users on my account? Teammates are managed through Clerk (our auth provider). The exact invite UI depends on your Clerk Organization settings. See [Inviting team members](/for-creditor-partners/creditor-onboarding/inviting-team-members.md). ## Compliance ### Do you record calls? Yes. In states that require two-party consent, our agent announces the recording at the start of the call. See [Recording consent by state](/for-debtors/compliance-and-rights/recording-consent-by-state.md). ### Do you tell debtors they're talking to AI? Yes, in states that require it, and increasingly in all calls. See [AI disclosure](/for-debtors/compliance-and-rights/ai-disclosure.md). ### Are you licensed in \[state]? We hold the licenses required to operate in states we work in. If we can't legally operate in a state, we won't make outreach there. The compliance engine checks this per placement. ### What happens if I think my rights were violated? Contact us first: `compliance@moderncollections.io`. You can also file with the CFPB or your state attorney general. See [Debtor rights overview](/for-debtors/compliance-and-rights/debtor-rights-overview.md). ## Technical ### Do you have an API? Yes. Authentication is by creditor API key (`Authorization: Bearer ca__`). A dedicated developer portal site is planned; for now, ask your customer success contact for the OpenAPI spec. ### Do you support webhooks? Yes — a single outbound webhook URL can be configured per creditor, signed with HMAC-SHA256. Per-event subscriptions are planned but not yet available. See [API keys](/account-and-settings/api-keys.md). ### Is my data secure? Yes. We use encryption in transit and at rest, multi-tenant isolation at the database level, and standard security practices. See [Data and privacy](/for-debtors/compliance-and-rights/data-and-privacy.md). ### Where is data stored? In the US. ### What integrations do you have? * **Accounting:** QuickBooks Online is live. Xero, NetSuite, and Sage are planned but not yet available. * **Payments:** Stripe (PaymentIntents for debtor payments; Stripe Connect for creditor payouts). * **Voice:** ElevenLabs (Conversational AI). * **Email:** Postmark (transactional send + delivery / bounce webhooks). * **Auth:** Clerk (creditor dashboard + admin). * **Storage / realtime:** Supabase. *** Last reviewed: 2026-05-24 by Customer Success. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://help.moderncollections.io/reference/faq.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. 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