Compare voice AI

Voice AI for collections must enforce FDCPA call-frequency rules in the platform, not in a prompt.

Q: Is Guava FDCPA-aware?

FDCPA and Regulation F call-frequency, time-of-day, and disclosure rules are enforced in the platform. Documentation is available for your compliance committee.

Q: Is Guava itself a debt collector?

No. Guava is voice infrastructure. You are the collector. We handle the call. Your system holds the record of liability.

Q: Can Guava capture a card payment on a collections call?

Yes. PCI DSS Level 1 certified. Payment capture without expanding your PCI scope.

Q: Can Guava handle a healthcare collection?

Yes — and this is where Guava is uniquely positioned. BAA + HITRUST i1 + PCI DSS Level 1 on one platform. Healthcare collections require all three.

Q: How fast can we deploy a collections campaign?

14 days from kickoff to live call.

The voice platform for regulated industries. Built for calls that have to be right.

Get a working agent in 10 minutes

SOC 2 Type II · HITRUST i1 · PCI DSS L1 · BAA available

~208K

CFPB collection complaints (2024, ~2× 2023)

93%

AI/ML adoption in collections (ACA, 2025)

PCI DSS L1

Certified payment capture

14 days

Kickoff to live call

In production with

The direct answer

What collections operators need from voice AI

A collections deployment fails on three things: an FDCPA violation that triggers a complaint, an agent-assist layer that drifts the moment Regulation F changes, and a payment workflow that drops PCI compliance somewhere between the IVR and the merchant. Guava is the voice platform built for all three. We hold the compliance line. We capture the payment. We answer the call when the borrower picks up.

Why this matters now

Debt-collection complaints to the CFPB roughly doubled in 2024, from ~109,900 to ~207,800 — now 7% of all CFPB consumer-credit complaints, the highest share of any category (CFPB, FDCPA Annual Report 2024). At the same time, AI/ML adoption in collections jumped from 73% (2024) to 93% (2025), with voice the #4 use case at 44% adoption (ACA International, 2025 industry survey). The operators winning logos in this market are the ones whose voice AI is compliant by default, not by hope.

Multi-vendor voice stack vs. Guava

Multi-vendor stack

4 seams

Telephony+handoff blockedASR+latency blockedLLM+drift blockedTTS+blame blockedOrchestration

Every seam is a place to lose a call — and when one drops, each vendor points at the next.

Guava fastest path

<200ms · one throat to choke

TelephonyASRLLMTTSOrchestration

One platform, one attestation, one SLA.

What the call has to do

Multi-vendor voice stack

Guava

Respect FDCPA / Regulation F call-frequency rules

Vendor-dependent rule sets

Built-in compliance guardrails

Capture a card payment without dropping PCI scope

Per-vendor PCI evidence

PCI DSS Level 1 certified

Survive a CFPB exam

Multi-vendor evidence trail

Audit-ready call recordings + logs

Handle a healthcare collection (HIPAA + FDCPA)

Two compliance frameworks, two vendors

One platform: BAA + HITRUST i1 + PCI

Stay deployed past day 90

Brittle handoffs, prompt drift

Production-grade or it doesn't ship

14 days from kickoff to live call

Typical: 6–9 months

14 days

Where Guava ships

The voice platform for regulated industries. Built for calls that have to be right.

What makes Guava different for collections

Collections voice AI fails on three things: an FDCPA violation that triggers a complaint, an assist layer that drifts the moment Regulation F changes, and a payment workflow that drops PCI compliance between the IVR and the merchant. Guava holds the line on all three.

Four facts that matter to a collections buyer:

FDCPA-aware by default.

Call-frequency rules, time-of-day rules, language requirements — enforced in the platform, not in a prompt.

PCI DSS Level 1.

Payment capture without expanding your PCI scope.

BAA + HITRUST i1.

When the collection is healthcare-related — the largest single growth segment in 2025 — Guava is the only voice platform that covers FDCPA and HIPAA on the same call.

14 days from kickoff to live call.

Production-grade, with compliance pass.

Where Guava fits

Healthcare patient billing and self-pay collections
↑Collection↓Bad debt
Bank card and consumer-loan collections
↑Right-party↓Roll rate
Auto-loan and lease deficiency
↑Recovery↓Charge-off
Buy-now-pay-later recovery
↑Cure↓Delinquency
Government program receivables
↑Resolution↓Backlog
BPO-operated collection campaigns
↑Connect↓Abandon

Frequently asked questions

Is Guava FDCPA-aware?

FDCPA and Regulation F call-frequency, time-of-day, and disclosure rules are enforced in the platform. Documentation is available for your compliance committee.

Is Guava itself a debt collector?

No. Guava is voice infrastructure. You are the collector. We handle the call. Your system holds the record of liability.

Can Guava capture a card payment on a collections call?

Yes. PCI DSS Level 1 certified. Payment capture without expanding your PCI scope.

Can Guava handle a healthcare collection?

Yes — and this is where Guava is uniquely positioned. BAA + HITRUST i1 + PCI DSS Level 1 on one platform. Healthcare collections require all three.

How fast can we deploy a collections campaign?

14 days from kickoff to live call.

Sources cited