Contact rules everywhere
Frequency limits, time windows, do-not-call and consent vary by state, province and country.
Solutions
Collections Agencies
Agencies are paid to recover and fined for how they do it. Spine checks every contact rule before every contact and puts every plan in front of a named person.
The problem
One wrong call can cost more than a month of recoveries.
Contact limits, disputes and hardship make every account different, and clients audit how you treat their customers.
Disputes and hardship
A missed dispute or a hardship signal handled badly turns a recovery into a complaint.
Client audits
Each client wants evidence for its own portfolio, kept apart from every other client.
How Spine answers it
A collections floor where AI and people follow the same rules.
Collections
Agents on approved procedures with every contact rule checked first.
Learn moreVoice AI
The voice channel for reminders and payment conversations.
Learn moreLiveAssist
Reg F guidance for the collectors who take disputes and hardship.
Learn moreNEQQO
Every call scored against collections rules, per client.
Learn more
On the platform underneath
Approval gates
No write runs without a decision from a named person. Nothing reaches a customer account by accident.
Approval gatesTenant isolation
Each client is kept apart by Postgres row level security in the database, not only in application code.
DeploymentCompliance Center
Controls mapped across 15 frameworks with evidence, owners and attestations. Audit prep starts from a pack, not a scramble.
Compliance Center
Regulations that matter
Mapped to the rules collectors are judged by.
Before every contact Spine checks contact windows, do-not-call, consent, disputes and jurisdiction rules.
FDCPA and Reg F
Controls mapped for call frequency, time of day, validation notices and required disclosures.
USControls mappedTCPA
Controls mapped for consent, calling hours and do-not-call on automated calls.
USControls mappedPIPEDA
Controls mapped for consent and personal information handling, with jurisdiction rules per province.
CanadaControls mappedDigital lending and fair practice rules in India
Contact timing and conduct checks follow fair practice rules in India for recovery calls.
IndiaControls mappedPCI DSS
Controls mapped for taking payments, with evidence of how card numbers are kept out of transcripts.
GlobalControls mappedSOC 2
Controls mapped with evidence collected from the platform, ready for client due diligence.
GlobalControls mapped
Controls mapped, not a certification
Spine maps its controls to these frameworks and collects evidence from the platform itself. That is designed to support your own compliance work. It is not a certification and it does not replace your legal advice.
Illustrative scenario
An agency works a new client portfolio.
A collections agency takes on a portfolio from a new card issuer client and has to show the client how every account was treated.
Portfolio screened
Every account is checked for contact window, do-not-call, consent, open disputes and jurisdiction before day one.
Agents work accounts
Collections agents and Voice AI contact clear accounts on the client’s approved procedure.
Plans approved
Each proposed plan waits for a supervisor. Disputes go to a collector coached by LiveAssist.
Client audit
The client gets an evidence pack for its portfolio only, kept apart by tenant isolation.
Illustrative scenario
This is a composite example of how the products work together. It is not a customer story and it describes no real organisation.
Recover more with nothing to explain later.
We will screen an account, work it and show the evidence pack your client would receive.