Debt collection software

Your clients won't pay? AI takes care of it.

AIDebtCollection.Net automatically follows up with your debtors by email, SMS and AI voice calls, calculates interest daily and collects payments — while you run your business.

No commitment
QuickBooks integration
PIPEDA compliant
aidebtcollection.net/app
AIDebtCollection.Net
P

My Debts

+ New Debt
All statuses ▾ 10 per page ▾
Search...
Jean Dupont
456.66 CAD
+ $6.66 int.
Active ▾
Marie Tremblay
1,200.00 CAD
Paid ▾
Pierre Lavoie
875.00 CAD
+ $28.77 int.
Promise ▾
Sophie Bouchard
No contact method
2,318.50 CAD
Pending ▾
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Everything you need to get paid

Simple and effective tools to manage your receivables and follow up with your clients.

Centralized dashboard

Track the status of all your receivables in real time from a single, intuitive interface.

Adjustable tone

Adjust the approach of your reminders (friendly, firm or strict) based on the client's profile and history.

SMS & Email reminders

Follow up with your clients instantly via professional messages sent in a single click.

Online payment

Provide your debtors with secure links to settle their invoices quickly by credit card.

Interest calculation

Late penalties are automatically calculated every day and added to the balance owed.

AI voice agent

Our AI calls your clients, conducts natural conversations and negotiates payments autonomously.

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An approach tailored to every situation

A good client who forgot to pay shouldn't be treated like a repeat bad payer. Choose from 3 communication tones for your AI calls and written reminders.

Friendly & Conciliatory

Ideal for: First reminder

The AI approaches the call as a simple courtesy follow-up. It assumes it was an oversight and seeks to help the client settle the situation without creating friction.

"Hello, I'm calling on behalf of ABC Plumbing. I just wanted to do a quick follow-up with you regarding invoice #102..."

Professional & Firm

Ideal for: Standard follow-up

The tone is direct, factual and resolution-oriented. The AI reminds the debtor of their contractual obligations while remaining perfectly polite and respectful.

"Hello, I'm contacting you on behalf of ABC Plumbing regarding an outstanding balance on your account that requires your attention..."

Strict & Urgent

Ideal for: Final notice

The AI acts as a formal collection agent. The message emphasizes the urgency of the situation and the potential consequences of non-payment.

"This is a formal collection notice on behalf of ABC Plumbing. You must settle your account immediately to avoid..."

Professional reminders, generated automatically

Let our system follow up with your clients automatically by email, SMS and phone according to your rules. You can also trigger manual reminders with a single click whenever you want.

AI voice calls

Our intelligent conversational agent calls your debtors, understands the invoice context and negotiates payment in a natural and courteous manner.

Personalized emails

Clean-design emails featuring your business name, with a clear call-to-action button leading directly to the secure payment portal.

Instant SMS

Reach your clients right in their pocket. SMS messages include a secure short link for quick payment from a mobile phone.

Interest transparency

Each day of delay automatically adds interest to the balance. The breakdown is clearly displayed to avoid any confusion at payment time.

Past Due Account Notice - ABC Plumbing
Past Due Account Notice

Hello Jean Dupont,

We are contacting you on behalf of ABC Plumbing regarding an outstanding balance on your account.

Total amount due
456.66 CAD
Balance breakdown:
Original amount: 450.00 CAD
Accrued interest (45 days at 12.00% per year): + 6.66 CAD

To keep your account in good standing and avoid additional late fees, please proceed with payment at your earliest convenience.

View file and pay
This message was automatically generated on behalf of ABC Plumbing.

You always stay in control of your collections

Every business has its own processes. That's why we give you the choice of payment method individually for each collection file.

The optimal experience

Payment via AIDebtCollection.Net

Let us handle the transaction from start to finish. We generate a unique secure Stripe link for your debtor.

  • Automatic and manual reminders: AI, SMS and emails follow up with the client according to your rules.
  • Dynamic calculation: The payment amount automatically adjusts daily to include the exact late interest.
  • Real-time updates: As soon as the client pays, the file is automatically marked as "Paid" and reminders stop.
  • Zero friction: The client pays in 2 clicks by credit card or Apple/Google Pay without leaving the process.

Use your own link

Prefer that the money goes directly through your current system? No problem, simply provide your URL.

  • Automatic and manual reminders: AI, SMS and emails follow up with the client according to your rules.
  • Manual adjustment: You will need to ensure your payment link reflects the interest calculated by our system.
  • Manual tracking: You will need to close the file manually in our platform once payment is received on your end.
  • Seamless integration: AI and our emails will redirect the client directly to your portal (QuickBooks, Stripe, etc.).
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Late interest calculates itself

Every day of delay, our system automatically applies the penalties outlined in your contract. The total amount owed is always up to date, without any action on your part.

Simple interest formula

The annual rate you set is converted to a daily rate, then applied each day to the original debt amount starting from the due date.

Daily updates

Every day at midnight, the total balance is recalculated. Your emails, SMS and AI calls always communicate the exact amount including accrued interest.

Compliant with your contract

You define the rate and interest type (annual or fixed per day) according to your agreement terms. The system also respects the initial grace period (Net 30, Net 60, etc.).

Formula used
Daily rate = Annual rate ÷ 365
Interest = Amount × Daily rate × Days overdue
Total due = Original amount + Interest

Live simulation

Watch interest accumulate day after day

JD
Jean Dupont
Invoice #INV-2026-001
Annual rate
12.00%
Original amount: $1,500.00
Days overdue: 0 days
Accrued interest: + $0.00
Total due today: $1,500.00
Day 0 90 days 180 days 365 days

Payment agreements that serve as real evidence

When a debtor can't pay immediately, they can formally commit via an electronically signed payment agreement. Every interaction is timestamped and documented — a complete file in case of dispute.

aidebtcollection.net/pay?token=•••••••
Pay now
Payment agreement
Commitment payment date
Explanation / Reason for delay
Signature (Full legal name)
Automatically recorded data
IP Address
142.117.•••.•••
Timestamp
2026-03-16 14:23:07
Device
Chrome 131 / macOS
Signature
Consent given

Why does this matter?

In civil law, a debt acknowledgment or written payment commitment constitutes admissible evidence in court. With AIDebtCollection.Net, every promise is electronically signed, timestamped and geolocated by IP — all without paper.

Compliant electronic signature

The debtor enters their full legal name and checks an explicit consent clause, compliant with the ESIGN Act (U.S.) and PIPEDA (Canada).

IP address and device recorded

The debtor's IP address, browser and operating system are automatically captured at the time of submission. This proves who, when and from where the commitment was made.

AI calls transcribed and archived

Every AI voice call is recorded with its full transcription, duration and a structured summary. If the debtor acknowledged the debt or made a verbal promise, it's documented.

Complete follow-up history

Every email sent, every SMS delivered and every call made is logged with the date, time and delivery status. You can prove your collection attempts.

In case of dispute, you're protected

If the matter goes to small claims or civil court, you have a complete digital file: signed agreements, communication history, call transcriptions and proof of reminder delivery.

Time is working against you

Act before it's too late

The statistics are clear: the longer you wait to claim an unpaid debt, the more your chances of recovering your money drop dramatically.

  • 40% drop after 3 months After just 90 days, the probability of collection drops to approximately 60%.
  • Less than 30% after 1 year Past the 12-month mark, your chances of seeing your money again collapse.
Automate my reminders today

Probability of collecting
an account over time

qb
Sync
RIA

Complete QuickBooks Integration

Connect your QuickBooks in one click. Our platform automatically imports everything it needs to start collecting your unpaid invoices — with zero manual data entry.

What We Import from QuickBooks

Overdue Invoices

Automatic detection of all your invoices past their due date. Batch or individual import, in just a few clicks.

Complete Client Record

Company name, contact person, email, phone number and postal address — everything is imported automatically.

Financial Details

Exact amount including taxes, currency (CAD/USD), invoice number, issue date and due date.

Original Invoice PDF

The original invoice PDF is downloaded and automatically attached to the collection file for reference.

Detailed Line Items

Every service or product line item is imported to give the AI rich context during negotiation.

What AIDebtCollection.Net Does With It

Complete Collection File

A ready-to-process file is automatically created with all debtor information, debt details and attached documents.

Automatic Interest Calculation

Late interest is automatically calculated from the QuickBooks due date, according to your penalty rules.

Stripe Payment Link

A secure Stripe payment link is instantly generated for the exact amount of each imported invoice.

Contextual AI Negotiation

The AI analyzes invoice line items to understand the exact nature of the service provided and tailor its negotiation approach.

Automatic Reminder Sequences

Email, SMS and AI voice call reminders trigger automatically after import, following your configured sequence.

Automatic Bookkeeping

Every payment received, bank transfer and platform usage fee is automatically recorded in your QuickBooks. Your books stay up to date effortlessly.

One-Click Connection

Secure OAuth authentication. No API keys to configure manually.

Zero Double Entry

All data is imported directly from QuickBooks. Nothing to retype.

Batch Import

Select and import all your overdue invoices in a single operation.

Frequently asked questions

Everything you need to know before getting started.

How does AI-powered automated collection work?
AIDebtCollection.Net automatically sends reminders by email, SMS and AI voice calls to your debtors according to your rules (frequency, tone, schedule). The voice agent conducts natural conversations to negotiate payment. The system also calculates late interest daily and provides a secure Stripe payment link to the debtor.
Do payment agreements have legal value?
Yes. Each payment agreement is electronically signed by the debtor, timestamped and accompanied by the IP address and device information. The signature complies with the ESIGN Act (U.S.) and PIPEDA (Canada), making it admissible evidence in court — including small claims court.
How is late interest calculated?
You set an annual rate (e.g., 12%) or a fixed daily amount (e.g., $0.50/day). The system converts the annual rate to a daily rate (÷ 365) and automatically applies it each day to the original amount, starting from the due date. The total amount owed is always up to date in reminders sent to the debtor.
Can I import my invoices from QuickBooks?
Yes. Our QuickBooks integration automatically detects your overdue invoices and creates complete collection files: client information, amount owed, invoice number, original PDF and Stripe payment link. You connect your QuickBooks account in the settings and the import is done in just a few clicks.
How much does AIDebtCollection.Net cost?
Account creation is free and without commitment. There is no monthly subscription. Email reminders are free. SMS are billed at $0.02 per message. AI voice calls are billed based on call duration. You only pay for what you use.
What evidence is kept in case of a dispute?
AIDebtCollection.Net keeps a complete digital file for each debt: history of all emails and SMS sent with delivery confirmation, complete AI voice call transcriptions with structured summary, electronically signed payment agreements with timestamps and IP addresses. Everything can be used as evidence in court.
Is the system compliant with Canadian privacy laws?
Yes. AIDebtCollection.Net is designed to comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) of Canada. Data is hosted securely, electronic signatures meet current standards, and the debtor is informed of data collection during each interaction.

Have more questions?

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No commitment • Setup in 2 minutes