Past-due customers don't answer the phone. They answer a text.
Peak Performance AI works every past-due account by two-way text and AI voice — it answers questions, sends a secure payment link, and sets up payment arrangements inside the rules you set. People handle the exceptions. Every conversation is logged and reported. English and Spanish.
Peak platform data from our current consumer-finance clients, 30 days ending October 2026.
Phone calls and letters don't reach people anymore
Most collections programs still run on mailed notices and outbound calls. In our consumer-finance work, only about 3 in 100 outbound calls reach the right person. About 4 in 10 of our texts get a reply.
Calls go unanswered
Unknown numbers get screened. Voicemails get deleted. Adding staff to dial more just means more calls nobody picks up.
People pay after hours
Customers deal with bills at night and on weekends — exactly when your office is closed. A text can be answered on a lunch break or at 9pm.
Results are hard to see
Ask most programs how many people were actually reached last month, or how many payment plans held, and the answer is often a guess. Peak reports it every month.
From a past-due file to a paid account
You send us the accounts. The platform does the outreach. You see every result.
Load the accounts
Start from a simple, secure account file. A direct connection to your billing system can be scoped as a separate project. You choose which accounts, balances and age ranges go in.
AI reaches out
Two-way texts and AI voice calls go out on your schedule, under your organization's name, inside the contact hours and limits you set.
Customers resolve it
The AI answers questions, sends a secure payment link, and sets up payment plans you've approved. Disputes, hardship and “let me talk to a person” go to a live team.
You see everything
Every text, call, promise and payment is logged with the full transcript. Notes and results come back to you on your file schedule, and you get regular performance reports.
Built for any organization with consumer accounts past due
The platform was built inside high-volume consumer finance, where every account is worked every day. The same engine works anywhere people owe a balance.
Municipal utilities
Electric, water, sewer, gas and solid waste — reminders before disconnect and outreach on final-bill accounts after move-out.
Utilities →Colleges & universities
Student account balances, registration holds, and default-prevention outreach to student loan borrowers before they default.
Higher education →Cities & counties
Fines, fees, permits, citations, service charges and other receivables owed to a public agency.
Government →Lenders & finance
Installment loans, auto finance and consumer credit — the portfolios the platform was first built for.
Lenders →AI does the work. People handle the exceptions. QA watches both.
Software alone isn't a collections program. Peak gives you the platform, the people behind it, and the accountability.
AI that holds a conversation
Not a text blast and not a robocall. The AI reads the reply, answers the question in plain English or Spanish, and only offers what your rules allow. It never pretends to be a person.
A live team behind it
When someone is in hardship, disputes the balance, or asks for a person, the conversation goes to a trained account specialist with the full history attached.
QA on every channel
Our QA team reviews AI texts and calls against a documented methodology. You find out what the AI said in a report — not in a complaint.
Same clients. Same 30 days.
This is why we lead with text. Calls still matter — our AI voice agents handle them — but the conversation usually starts in a text.
| Last 30 days | By text | By phone |
|---|---|---|
| Across our consumer-finance clients | 40% replied | 3% reached |
| Lowest to highest client portfolio | 32–43% | 2–4% |
Peak platform data, 30 days ending October 2026. “Replied” = texts answered by the customer, opt-outs excluded. “Reached” = outbound calls that got the right person on the line.
Easy to buy, easy to oversee
Peak is a surety-bonded collections software and services company that runs fully remote. No hardware, no on-site staff, no long implementation.
Public sector details →- Pricing that fits your procurement rules — contingency on dollars recovered, per account, or flat monthly
- Monthly performance reports, plus a live dashboard your staff can log into
- Messages go out under your organization's name, on your approved wording
- Contact hours, frequency limits and disclosures set to your policy before launch
- Pilot on part of your past-due list before committing the rest
See it on your accounts
Thirty minutes. We walk through real text conversations, the dashboard, and what a pilot on part of your past-due list would look like.