SMS Texting Service for Debt Collection

The complete SMS platform built for collection agencies. Send, automate, and track compliant text messages across your entire portfolio — with deliverability infrastructure designed for collection volumes.

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One Platform. Every Communication Channel.

Debtors respond on different channels. CloudContactAI lets you reach them wherever they engage — all managed from a single dashboard with unified compliance tracking.

SMS

98% open rate. Reach debtors instantly with compliant text messages. Two-way conversations supported.

MMS

Send payment statements, settlement letters, and visual payment instructions as picture messages.

Email

Automated email sequences for accounts that prefer written communication. Full deliverability tracking.

Platform Features for Collection Agencies

Carrier-Grade Deliverability

Purpose-built sending infrastructure with ramp-upprotocols, carrier relationship management, and content optimization. Collection messages face heavier carrier scrutiny — our platform is built for it.

Two-Way Messaging

Debtors reply directly to your texts. Responses route to your inbox for agent handling. Negotiate settlements, confirm payment plans, and resolve disputes — all via text.

Portfolio Segmentation

Organize accounts by creditor, balance range, DPD bucket, state, or custom fields. Send targeted campaigns to specific segments without cross-contamination.

Campaign Analytics

Track delivery rates, response rates, payment conversions, and opt-out rates per campaign. Know exactly which messages drive recovery and which don't.

SFTP & API Integration

Ingest account files via SFTP on a schedule, or connect directly through our REST API. Sync with your collection management system in real time.

White Label

Offer SMS texting under your own brand. Perfect for collection platforms, creditors, and BPOs who want to provide texting to their clients without building infrastructure.

Compliance Built Into Every Message

Every text sent through CloudContactAI is automatically checked against federal and state regulations before delivery.

TCPA: Express consent verified before every send. Revocations honored immediately across all channels.
Regulation F: 7-in-7 frequency caps tracked per debt. Time-of-day windows enforced (8am–9pm debtor local time).
FDCPA: Mini-Miranda disclosures automatically appended to initial contact messages.
State laws: State-specific rules applied based on debtor location. All 50 states covered.
Opt-out handling: STOP/UNSUBSCRIBE processed in real time with timestamped audit records.
Full audit trail: Every message, consent record, and delivery receipt stored and exportable for CFPB examinations or litigation defense.

Integrates With Your Collection Stack

CloudContactAI connects to the tools your agency already uses — no rip-and-replace required.

Salesforce HubSpot Zapier ActiveCampaign REST API SFTP Webhooks CSV Import

Simple, Transparent Pricing

No per-seat fees. No hidden charges. Pay for what you send.

Starter

$25/mo

For small agencies getting started with SMS collection. Includes compliance features, two-way messaging, and basic automation.

Professional

Custom

For agencies with large portfolios. Volume pricing, advanced automation, SFTP integration, dedicated deliverability support.

Enterprise / White Label

Custom

For platforms and BPOs. Full API access, white-label branding, multi-tenant architecture, SLA guarantees.

View full pricing details →

Frequently Asked Questions

What makes CloudContactAI different from Twilio or other SMS APIs?

Twilio is a raw API — you build everything yourself, including compliance logic, consent tracking, and deliverability management. CloudContactAI is a complete platform with Reg F enforcement, TCPA consent management, collection-specific templates, and deliverability infrastructure already built in. No engineering sprint required.

Can I port my existing phone numbers?

Yes. We support number porting from all major carriers and SMS providers. Your debtors continue receiving messages from the same number with no disruption.

How do you handle deliverability for collection messages?

Collection messages face heavier carrier filtering than marketing texts. We use dedicated sending infrastructure, gradual ramp-up protocols, content optimization, and carrier relationship management to maintain high delivery rates. Our platform monitors carrier feedback in real time and adjusts sending patterns automatically.

Do you support A2P 10DLC registration?

Yes. We handle the full 10DLC registration process — brand registration, campaign registration, and carrier approval. This is required forbusiness texting in the US and directly impacts deliverability.

Can I use CloudContactAI for first-party and third-party collections?

Yes. The platform supports both. First-party collectors (creditors collecting their own debts) and third-party agencies have different compliance requirements — CloudContactAI applies the correct rules based on your account configuration.

What kind of support do you offer?

All plans include email support. Professional and Enterprise plans include dedicated account management, onboarding assistance, compliance consultation, and priority support with SLA response times.