Collections teams
In a pilot, replies to disputes and balance questions are checked against the account before anyone sends them.
SettleUp · from Hold the Send
Collections and billing messages, drafted and checked by AI, sent by your team.
AI drafts. You press Send.
In a SettleUp pilot, the ledger check runs on your sample letters. Nothing sends on its own.
SettleUp is for dispute replies, balance letters and billing reminders. In a pilot, each dollar amount, date and account number is checked against the ledger before anyone sends. A draft that cannot be fixed in one try is flagged for a manager, with the reason shown. A person on your team reads it and presses Send. Try the check below on example letters.
One draft, checkedExample data, modeled
Draft said
$1,000
Ledger says
$20,370.53
Try it
Check a letter against the ledger.
Pick an example letter. This demo checks each dollar amount, date and account number in the draft against the sample ledger. Edit the draft to try your own mistakes. Example data, modeled: the accounts and people are invented, and nothing is sent or saved.
Example data, modeledCollections
Example: the consumer writes that the balance is $1,000, three times. The sample ledger says otherwise.
What the consumer wrote
“My balance is $1,000.” (said three times in the letter)
01 The draft
These example drafts are prewritten so the demo runs in your browser. Change any number and the check runs again. In a pilot, the AI would draft from the account facts.
Dear Consumer A,
We received your dispute regarding account EX-441902 (matches the ledger). Our records show a current balance of $1,000 (does not match the ledger). The $1,000 (does not match the ledger) figure referenced in your letter is consistent with our file. Please contact us to discuss the $1,000 (does not match the ledger) balance.
Sincerely,
Account Services
02 The check
3 figures do not match the ledger.
- Dollar amounts match the ledger: fail.3 of 3 dollar amounts do not match.
- Dates match the ledger: pass.No dates in the draft.
- Account number matches: pass.All 1 account numbers match.
- Consumer's own figure not stated as fact: fail.The draft treats the consumer's figure as fact.
- $1,000 · Repeats the consumer's figure as fact. Ledger current balance is $20,370.53.One fix can swap in $20,370.53.
- $1,000 · Says the consumer's own figure ($1,000) agrees with the file. The ledger does not support it.A swap cannot fix this one.
- $1,000 · Repeats the consumer's figure as fact. Ledger current balance is $20,370.53.One fix can swap in $20,370.53.
03 One fix, then check again
This demo applies one rule-based fix so you can see the check work. In a pilot, the AI redrafts once and the check runs again.
Send
Run the one fix to see whether this draft can go to a person, or is flagged for a manager.
New demo
The queue and the guardrails.
See who to work next and what is allowed right now: call limits, local time, opt-outs, disputes and locked wording, checked before anyone sends. Example data.
Built for the people who write the letters.
Billing teams
In a pilot, statement reminders and payment questions have the amounts and due dates checked before anyone sends.
Revenue teams
In a pilot, the messages revenue teams send get the same ledger check, and a person still presses Send.
Three steps in a SettleUp pilot.
01
Draft
In a SettleUp pilot, the next letter, email or reply starts from the account facts you provide.
02
Check
In a SettleUp pilot, each draft is checked against the account ledger on your sample letters: every dollar amount, date and account number. If something does not match, the draft gets one fix. If it is still wrong, it is flagged for a manager and the reason is shown.
03
Send
A person on your team reviews it and presses Send. Nothing goes out on its own.
What a SettleUp pilot checks.
- In a pilot, each dollar amount is checked against its own ledger line before anyone sends: balance, principal, fees, interest, last payment.
- In a pilot, each date is checked before anyone sends: charge-off, last payment, open date, due date.
- In a pilot, the account number is checked against the ledger before anyone sends.
- In a pilot, the consumer's own figure can be quoted as theirs. It is not stated as the balance, and the draft does not agree with it when the ledger does not.
- In a pilot, we'd add your retired wording and required notices.
In a pilot, your team sets the rules. The check is a helper for the person sending, not a promise. A person reads every message first.
How it fits your team.
- Works beside the tools you already use. It does not replace your dialer, payment system or account software.
- Your team and your counsel stay in charge of what goes out. SettleUp is a helper, not legal advice.
- In a SettleUp pilot, a draft flagged for a manager shows its reason, so a person can check it.
- In a SettleUp pilot, each check leaves a record your team can download and review. The demo above shows one.
More than a reply writer
The draft is the easy part.
Any chat tool can write a nice message. In a SettleUp pilot, each draft is checked against the account ledger on your sample letters and aimed at a payment plan or a promise-to-pay date. If an amount does not match, it is flagged for a manager and the reason is shown. A person presses Send.
For the owner
The same rules on every draft.
In a SettleUp pilot, drafts are built to be checked against the account ledger on your sample letters. An amount that does not match is flagged for a manager, with the reason shown.
For the rep
Fewer rewrites.
In a pilot, the check catches wrong-amount slips before they go out. Start from the account facts you provide. The draft points at a payment plan or a promise-to-pay date your team can stand behind. Your team and your counsel set what goes out.
The record
Receipts when someone asks.
In a SettleUp pilot, a draft flagged for a manager keeps its reason, so someone can see why it stopped. The note records that reason. Message text stays out of it.
The data
Phone numbers and emails are masked before the AI sees them.
In a SettleUp pilot, phone numbers and emails are masked before the AI sees a message.
AI drafts. You press Send.
Why not just use a chat tool?
You can, and it'll write a decent reply. What it won't do is check that reply against the account ledger, aim it at a payment plan or a promise-to-pay date, or keep the reason a draft was flagged for a manager. In a SettleUp pilot, that check runs on your sample letters. If an amount does not match, the draft is flagged for a manager and the reason is shown. Phone numbers and emails are masked before the AI reads anything. A person still presses Send. Nothing sends on its own.
Straight answers.
Does SettleUp send letters on its own?
No. Nothing sends on its own. In a pilot, a person on your team reads every draft and presses Send, in the system you already use.
What happens when a draft is wrong?
This demo applies one rule-based fix so you can see the check work. If the example is still wrong, it is flagged for a manager and the reason is shown. It is not sent, and it is not quietly patched. A person decides. In a pilot, the AI redrafts once and the check runs again.
Does it replace our collection or billing software?
No. It works beside it. In a pilot, SettleUp drafts and checks the message. Your current tools still hold the accounts and send the mail.
Is this legal advice?
No. Your team and your counsel decide what goes out. In a pilot, drafts are checked against the ledger on your sample letters.
What does it need from us?
The account facts behind the letter: balance lines, dates and the account number. A pilot starts on example data, then moves to your own.
Is the demo on this page real?
The check is real and runs in your browser on example letters. The accounts, people and drafts are example data, modeled. This demo applies one rule-based fix so you can see the check work. In a pilot, the AI redrafts once and the check runs again. Nothing on this page is sent or saved.
See it on your own kind of letters.
Book 15 minutes or email nathan@holdthesend.com. Bring a letter type your team writes every week.