Discover the Intersection of
Collections and AI
Built to perform across the customer journey.
Less Litigation, More Recovery: $2.4M+ Collected Through AI Debt Collection for a Leading Debt-Buying Law Firm
How Skit.ai helped a debt-buying law firm replace fragmented, agent-dependent outreach with a smarter AI debt collection engine, recovering $2.4M+ across 60k+ accounts.
The Company
Headquartered in Miami, this leading firm operates among the most established debt buying law firms, specializing in acquiring and recovering charged-off consumer debt. The firm employs a strategic dual approach, i.e, utilizing digital collections for the majority of cases and initiating legal action only when justified by account analysis. Their strategic goal is a deliberate 70/30 split. 70% of accounts resolved through digital outreach, 30% escalated to litigation, maximising recovery yield while keeping costs aligned with the actual recoverability of each account. The firm partnered with Skit.ai to deploy AI debt collection across their full portfolio, replacing a manual, agent-heavy model with automated collections software that could scale to the volume and complexity of their debt collection operation without proportional headcount growth.
Problem Statement
- Operational inefficiency from fragmented outreach tools and manual workflows : Email, SMS, and calling ran in disconnected silos with no unified reporting or automation.
- Scalability constraints from agent-dependent execution : Every outreach surge (tax season, high-volume campaigns) required costly, slow headcount additions to execute.
- Consumer communication gaps : Debtor preferences shifted decisively to email and SMS, but the firm’s infrastructure remained weighted towards phone-based outreach, missing a reachable segment.
- No account filtration mechanism before litigation: The firm had no efficient way to identify, at scale, which accounts had genuine recovery potential versus those that were deceased, bankrupt or untraceable.
- Recruitment friction in finding and retaining qualified collection talent in a tight labour market, creating ongoing operational risk with every unfilled seat
Customer Context – Our Approach To Fix The Challenges
What The Data Showed
| Behaviour | Insight | Actions Taken |
|---|---|---|
| Digital channel preference | Debtors responded actively to email and SMS. Older cohorts with larger balances showed strong email engagement confirming email as the right first channel before calling was added. | Started email-only for the first two months to build engagement data. SMS added at 10–12K/day once patterns confirmed its effectiveness. Voice reserved for escalation and PTP follow-through. |
| Seasonal payment behaviour | Tax season, Christmas, and New Year created predictable spikes in debtor liquidity and payment intent, moments when outreach converts at measurably higher rates. | Deployed dedicated seasonal campaign templates across all channels. December 2025 Christmas campaign collected $170,959 — 66% above the prior three month average of $102,661. |
| PTP leakage | Committed debtors frequently missed payment dates without structured follow-up, silently leaking confirmed revenue that had already been committed. | Introduced PTP Breaker: calendar reminders sent at PTP confirmation + immediate automated follow-up triggered the same day a payment is missed. |
| Portfolio heterogeneity | Different portfolio types meant different debtor profiles. A single strategy underperforms across all. | Segmented campaigns by portfolio type with tailored messaging, timing, and channel mix for each. Settlement campaigns introduced for applicable portfolios. |
| Account recoverability | A significant share of any aged portfolio contains accounts that cannot be recovered like deceased debtors, bankruptcies, untraceable contacts. Identifying these before committing legal resources is the highest-leverage intervention available. | Skip tracing deployed across the portfolio. Accounts triaged into three categories: resolved digitally, worth pursuing legally, and no-recovery giving this law firm a clean litigation-ready list. |
The Solution
The Results
$2.4M+
Total collected
$355.1M
Total placed portfolio balance
across 60k+ accounts
5×
Monthly collections
via AI-led multichannel outreach
2,161
Accounts resolved
To Summarize
This law firm partnered with Skit.ai to fix a fundamental structural problem. Legal resources were being spent on accounts regardless of recoverability, and outreach was capped by headcount. Skit.ai deployed a precision AI debt collection engine across 60k+ accounts — phased multichannel outreach calibrated to debtor behaviour, portfolio intelligence that triaged every account before a litigation decision was made, settlement and payment plan campaigns that unlocked structured recovery at scale, and a PTP Breaker that closed committed revenue before it walked out the door. The results show what AI-powered online debt recovery services in the USA can achieve on a mixed, post charge-off portfolio at scale.
Discover the Intersection of
