The easiest way to collect delinquent accounts.
Consumers come to you — ready to settle. debtfriends routes their offers into your recovery queue with zero outbound calls and full FDCPA audit trails.
Tell us where to send launch updates and we'll email a private link to preview the debtfriends recovery queue.
- Cost to collect
- 10%
- Liquidation lift
- +34%
- Complaints
- Zero
Consumer offers hitting your queue right now
Sample portfolio · Wachovia recoveries
| Account | Balance | Offer | Auto |
|---|---|---|---|
| ••••28525 | $3,886 | $2,222 (57%) | Accept |
| ••••80011 | $5,210 | $2,400 (46%) | Review |
| ••••40997 | $2,100 | $820 (39%) | Counter |
| ••••11230 | $3,345 | $1,900 (57%) | Accept |
How it works
Three surfaces. One recovery engine.
Portfolio view
See recovery pool, pending offers, and active settlements across charge-off cohorts. Benchmarked against every other lender on the platform.
Offer queue
One-click accept, counter, or reject on every consumer offer. Responses push back to the debtor in seconds — no call centre required.
Recovery rules
Set auto-acceptance floors by charge-off age. debtfriends settles matching offers automatically, routes edge cases to your team.
Compliance by default
FDCPA-safe recoveries. Zero outbound calls.
debtfriends never calls, emails, or pressures a debtor on your behalf. Every interaction is initiated by the consumer — with a full audit trail stitched into each settlement record.
- No outbound collections activity — ever.
- Every offer logged with timestamp, IP, and consumer consent.
- Settlement reports exportable for CFPB oversight and audits.
- SOC 2 Type II controls on all recovery data.