AI agent for servicing and collections – integrated out-of-the box and live 24/7 across voice and digital.
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Got Spanish-speaking borrowers?
We've got you covered.
ProNotes is now available in Spanish.
Got Spanish-speaking borrowers? We've got you covered.
ProNotes is now available in Spanish.
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Our Solutions
PIE
Intelligence layer for loan servicing and collections
proAgent
AI agent to automate end-to-end collections operations
proCollect
Fully orchestrate your digital strategy with our AI platform
proScore
Scores powered by interactions & 500+ consumer attributes
proPay
AI-native payment portal to scale your self-serve
proInsight
QA automation, scorecards and revenue insights
proNotes
Real-time automated and standardized notes
proAssist
Dynamic prompts for real-time agent assistance
Industries
Auto finance
Collections
Healthcare RCM
Lending
Resources
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Blogs
Collections
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Case studies
How Cohen & Cohen Law made digital a major collections channel
Inside one law firm's shift to digital collections: a controlled test, a portal that took over, and recovery that scaled with the book.
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Collections
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Case studies
How Lotane & Associates scales complex collections with AI
At Lotane & Associates, Prodigal's AI agent helps callers understand how interest affects their balance, work through an approved payment plan, and complete payment.
Read now
Collections
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Blogs
What the agent isn't allowed to do
Why a collections voice agent stays flexible in conversation while the compliance-critical decisions are enforced by the architecture underneath.
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Collections
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Blogs
Collection strategy for tax filing deadline with AI-powered scoring, timing, and settlement
AI-powered refund scoring, campaign timing, and settlement strategies that help collection agencies maximize recovery before the tax filing deadline hits.
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Collections
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Blogs
Three debt recovery strategy to reduce collection cost for agencies
Most collection agencies are leaving a significant portion of their portfolio unworked. Here is how the industry is responding and which debt recovery strategy closes the gap.
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Collections
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Blogs
The true cost of debt collection and why small balance accounts never get worked
The cost of debt collection makes most small balance accounts unprofitable to work. Here is what that means for your portfolio and how to fix it.
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Collections
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Blogs
Three strategies for law firms to win more collection placements
Early liquidation rate determines who gets more placements. Three proven strategies for collection law firms to improve performance, lower cost-to-collect, and win more volume from clients
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Collections
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Blogs
Your collection agency is working your best accounts. Who is working the rest?
Debt buyers place full portfolios with agencies but only a fraction gets worked. Here's what that coverage gap costs, and how to close it.
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Collections
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Blogs
Tax refund status 2026: Time your collection strategy when refunds arrive
Tax refund status reveals when money hits the accounts. Use the refund calendar to boost collection rates by timing.
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Collections
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Blogs
Tax season 2026: What changed, who's getting bigger refunds, and why it matters
Major tax law changes in 2026 mean bigger refunds for some borrowers and new pressures for others. Discover who to target for 20-40% higher recovery.
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Collections
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Blogs
The AI implementation strategy for collections in 2026
Build your AI implementation strategy for collections. Learn where to start implementation of AI agents, assess readiness, and prepare for success.
Read now
Collections
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Blogs
What is debt collection letter? What to include and how to make it work?
Essential guide to debt collection letter: what to include for compliance, how to structure sequences, and strategies that drive higher payment rates.
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Collections
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Blogs
What is containment rate? Definition, benchmarks, and best practices for collections
Containment rate directly impacts cost-to-collect. Collections teams optimizing self-service automation cut costs 10-30% while improving recovery.
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Collections
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Blogs
What is Public Service Loan Forgiveness? A complete guide for loan servicers
Learn how Public Service Loan Forgiveness works, why 94% of applications are denied, and how servicers can improve outcomes.
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Collections
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Blogs
The Linear Trap in consumer collections: Rethinking capacity, cost, and coverage for 2026
Why collections costs continue rising and how AI-augmented operating models can expand coverage and improve unit economics.
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Collections
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Blogs
Government shutdown effects: Rising delinquencies and new pressure on the collections industry
Millions miss paychecks as the U.S. government shuts down, triggering delinquencies and testing lenders’ readiness to adapt with AI.
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Collections
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Blogs
Could Apple’s AI call-screening disrupt debt collection across the U.S.?
Apple’s new AI call-screening might silence collectors before they speak. Can lenders adapt their outreach fast enough?
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Collections
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Case studies
Solving email deliverability helped FFAM boost payments by 15%
proCollect fixed FFAM's email deliverability and personalized every send, driving a 15% rise in payments collected through digital channels.
Read now
Collections
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Blogs
Which is the best AI for debt collections in 2025?
Explore the best AI for debt collections in 2025 with a breakdown of top platforms and how Prodigal leads with full lifecycle intelligence.
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Collections
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Blogs
What are the debt collection industry trends for 2026?
Discover the top debt collection industry trends for 2026 including AI agents, digital-first strategies, compliance and cloud adoption.
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Collections
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Blogs
Fixing email deliverability for a nationally licensed collection agency
Discover how a nationally licensed collection agency boosted open rates of debt collection emails from 7% to 45% and tripled click rates by fixing deliverability issues.
Read now
Collections
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Blogs
What will the future of CFPB look under the new regime?
The CFPB’s regulatory pullback marks a shift toward industry self-regulation, creating both flexibility and accountability for lenders and debt collectors.
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Collections
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Blogs
The CFPB has left the building but the states are knocking
With CFPB stepping back, state regulators are stepping up to usher in a patchwork era of consumer protection, litigation risk and compliance complexity.
Read now
Collections
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Blogs
Three-year debt buying strategy that will maximize your returns
A strategic guide to which debt types to prioritize, avoid, or watch in collections from 2025-2027.
Read now
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Help expand our mission of introducing consumer finance intelligence to lenders collectors and loan agencies around the world.
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100+
Customers
75
Team members
3
Continents