Compliance-first collections powered by proprietary AI, enterprise telephony, and a trained workforce that treats every consumer with respect.
Most agencies optimize for dollars collected. We optimize for dollars collected sustainably — because consumers who feel respected pay more, pay longer, and don’t dispute.
FDCPA, TCPA, and Reg F rules are enforced at the system level — not by policy memos. Our platform blocks non-compliant actions before they happen. Every call recorded, transcribed, and scored.
Our AI-powered platform scores every account, coaches every caller in real time, and routes contacts to the right agent at the right time. No off-the-shelf CRM. Full control over data and logic.
Trained callers matched to consumer profiles. Empathetic communication. Solution-oriented conversations that convert — because people pay when they feel heard, not when they feel threatened.
A structured, transparent process from the moment you place business with us.
Secure file transfer. We ingest your portfolio, validate data, and enrich with contact intelligence within 24 hours.
Every account scored across 11 priority factors. Right account, right agent, right time. High-value accounts prioritized automatically.
Multi-channel outreach — calls, SMS, email — all within FDCPA/TCPA windows. Mini-Miranda on every contact. Full audit trail.
Settlements processed via PCI-DSS compliant payment partners. Real-time client portal with collection metrics, call recordings, and compliance reports.
Our proprietary platform powers every aspect of the recovery process — from account scoring to payment capture.
Purpose-built for ARM. Contact intelligence scoring, automated queue prioritization, M-stage workflow management, real-time caller coaching, and compliance enforcement — all in one system.
TCN’s cloud contact centre platform for predictive dialing, call recording, and multi-channel communication. Enterprise-grade reliability with 99.99% uptime SLA.
Every account scored across 11 factors: contact recency, balance tier, time zone, phone quality, prior engagement, and more. The system learns which accounts convert and routes accordingly.
PCI-DSS compliant payment capture via Stripe. Real-time payment plan tracking, automated reminders, and instant settlement confirmation for consumers and clients alike.
Compliance is not a layer we add — it’s the foundation everything else is built on.
We operate across multiple US states with full regulatory compliance in every jurisdiction we serve. Our coverage is expanding — contact us for current state availability.
A senior team with deep domain expertise in accounts receivable, compliance, technology, and operations.
Chief Executive Officer
14+ years building technology-driven operations for financial services. Designed the company’s proprietary collections platform from the ground up — spanning AI scoring, workforce analytics, and compliance automation. Leads strategy across all verticals.
Head of US Operations & Business Growth
Leads client acquisition, creditor relationships, and US market operations. Manages regulatory licensing, vendor partnerships, and compliance posture across all active states. Primary point of contact for creditor clients.
Vice President, Operations
Manages day-to-day collection operations, floor performance, and team development. Oversees hiring, training, quality benchmarks, and the operational pipeline from account placement to resolution.
Of Counsel — Licensing & Compliance
Advises on regulatory compliance, state licensing strategy, and legal risk across all jurisdictions. Ensures every operational process meets FDCPA, TCPA, and Reg F requirements. External counsel via Panorama Legal.
Whether you’re a creditor exploring a new collections partner or an existing client expanding your portfolio, we’re ready to talk.
info@prodigalmoney.com
+1 (347) 708-5735
Clarkston, Michigan 48347 · United States
Pune, Maharashtra · India
CREDITOR CLIENTS
For portfolio placement, pricing, or a demo of our platform, reach out directly. We respond within one business day.
If you have received communication from Prodigal Money regarding an account, we are here to help you understand your options and find a resolution that works for you.
You have rights under the Fair Debt Collection Practices Act (FDCPA). You may request verification of any debt, dispute amounts, and communicate your preferences for how and when we contact you.
Consumer Support: support@prodigalmoney.com | +1 (347) 708-5735