Sarah Mitchell is a fully autonomous, voice-driven debt recovery agent. Empathetic negotiation, real-time compliance enforcement, and structured call outcome capture — with zero human intervention.
From portfolio ingest to compliance-sealed reporting
Upload debtor portfolio via API or CSV. Sarah ingests customer profiles, account data, and regulatory context.
Sarah autonomously places calls with natural voice synthesis. Empathetic conversation with real-time compliance enforcement.
Structured outcome capture: promise-to-pay, dispute, hardship, or escalation. Every call is fully auditable.
Real-time dashboards, executive reports, and compliance forensics. Full provenance chain for every interaction.
Every component designed for institutional-grade debt collection
Faster-Whisper STT with adaptive VAD, Piper TTS with vocal texture engine. Professional and empathetic voice modes that shift dynamically based on call state.
< 2s latencySafety Firewall (pre-LLM) + Shadow Auditor (post-LLM, <1ms) + Supervisor Judge (parallel LLM). Circuit breaker severs audio on factual mismatch.
maker-checker patternCustom QLoRA adapter trained on 4,219 examples (6,324 iterations) on Apple Silicon. 31/31 test scenarios pass at 100%. Trained entirely on-device.
100% test pass rateZero PAN over voice, CVV zero-retention. PII tokenized before LLM context, unmasked on output. PHI masking via Spacy NER. SQLCipher AES-256 at rest.
AES-256 encryptedPiper ONNX voice pack with phonetic diction maps per locale. Spanish intent keywords included. Acoustic age-gate detects minors via F0 pitch analysis.
multilingual + age gateWeb dashboard, Streamlit analytics, institutional admin portal. Call logs, PTP tracking, sentiment analysis, shadow audit trends, and compliance audit queue.
4 dashboard viewsPre-LLM interdiction for prompt injection, romance attacks, and off-topic discussion. Deterministic keyword scan blocks threats before they reach the model.
pre-LLM defensePTP, settlement, hardship, bankruptcy, cease-and-desist, attorney, fraud, NRPC, callback, payoff request, and more. 2,500+ keywords with Spanish support.
deterministic classificationSHA-256 block-chained audit trail watermarked with hardware serial number. Tamper-evident SAFE Ledger for every conversational turn. Examiner Pack export.
SHA-256 chained31-scenario AI-vs-AI test suite with LLM customer simulator. Remote REST API testing via QA Agent on separate machine. 100% pass rate achieved.
31/31 scenariosSendGrid API v3 + SMTP fallback for PTP confirmations, payment receipts, and OTP delivery. Async dispatch keeps call flow unblocked.
email + SMSFour-mode supervisor control: Monitor (silent listen), Whisper (coach AI), Barge-In (three-way), Takeover (full handoff). JWT-authenticated WebSocket.
4 escalation modesDeterministic state machine with safety gates at every transition
FDCPA check
OTP / 2FA
18 categories
Empathetic flow
Amount / Date / Method
Supervisor gate
Script A / B
Sealed audit trail
Stress-tested against LLM-simulated customers across 18 intent categories including bankruptcy, deceased, disputes, hardship, and SCRA military protection.
Every interaction governed by federal, state, and industry standards
Deploy Sarah Mitchell AI in your recovery operations. Full API access, compliance-first architecture, zero human intervention required.