Compliance-first collections powered by proprietary AI, enterprise telephony, and a trained workforce that treats every consumer with respect.
Every operation we run is grounded in four disciplines. They are not departments — they are the structural load-bearing pillars that hold up every account, every call, and every dollar recovered.
Proprietary AI platform, enterprise telephony, intelligent scoring, and secure payment infrastructure — all built and controlled in-house.
Structured conversation methodology, tiered workforce model, real-time AI coaching, and continuous quality assurance on every interaction.
Lawyer-backed multi-state licensing, system-level FDCPA/TCPA enforcement, and operational controls that prevent violations before they happen.
Intelligent account scoring, multi-channel outreach, and a structured process from placement to resolution that maximises recovery rates.
Our proprietary platform powers every aspect of the recovery process — from account scoring to payment capture. No off-the-shelf CRM. Full sovereignty over data and logic.
Purpose-built for ARM. Contact intelligence scoring, automated queue prioritisation, conversation-stage workflow management, real-time caller coaching, and compliance enforcement — all in one system.
TCN’s cloud contact centre platform for outbound dialling, call recording, and multi-channel communication. Enterprise-grade reliability with 99.99% uptime SLA.
Every account scored across 11 factors: contact recency, balance tier, time zone, phone quality, prior engagement, and more. The system learns which accounts convert and routes accordingly.
PCI-DSS compliant payment capture via Stripe. Real-time payment plan tracking, automated reminders, and instant settlement confirmation for consumers and clients alike.
Technology without trained people is noise. Our agents follow a structured methodology, supported by AI coaching and continuous quality assurance on every conversation.
Every consumer interaction follows a defined progression: identity verification, opening disclosure, account briefing, solution exploration, and resolution. Junior agents handle verification and qualification. Complex negotiations are warm-transferred to senior agents with specialised training.
A layered workforce designed for quality at scale: junior collectors for initial contact, senior collectors for resolution, dedicated team leads for floor management, a trainer for ongoing certification, and QA analysts scoring calls daily. Every level has defined scope and accountability.
Our platform analyses live calls and delivers real-time coaching signals — compliance alerts, conversation path suggestions, and consumer sentiment indicators. Callers are matched to consumer profiles based on communication style for higher engagement and resolution rates.
100% of calls recorded and transcribed. AI-powered quality scoring on every interaction. Dedicated QA analysts review calls daily against compliance and performance benchmarks. Team leads review metrics weekly. Training runs in continuous cycles, not one-time events.
Compliance is not a layer we add — it’s the foundation everything else is built on. Backed by experienced outside counsel with deep ARM-industry expertise.
Outside counsel advising Prodigal Money on regulatory compliance, multi-state licensing strategy, debt-type classification, and legal risk management across all jurisdictions we operate in.
A structured, transparent process from account placement to resolution — powered by intelligent scoring, multi-channel outreach, and expanding coverage.
Secure file transfer. We ingest your portfolio, validate data, and enrich with contact intelligence within 24 hours.
Every account scored across 11 priority factors. Right account, right agent, right time. High-value accounts prioritised automatically.
Multi-channel outreach — calls, SMS, email — all within FDCPA/TCPA windows. Mini-Miranda on every contact. Full audit trail.
Settlements processed via PCI-DSS compliant payment partners. Real-time client portal with collection metrics, call recordings, and compliance reports.
We operate across multiple US states with full regulatory compliance in every jurisdiction we serve. Our coverage is expanding — contact us for current state availability.
A senior team with deep domain expertise across every pillar — technology, operations, compliance, and growth.
Chief Executive Officer
14+ years building technology-driven operations for financial services. Designed the company’s proprietary collections platform from the ground up — spanning AI scoring, workforce analytics, and compliance automation. Leads strategy across all four pillars.
Tech Ops · People OpsHead of US Operations & Business Growth
Leads client acquisition, creditor relationships, and US market operations. Manages regulatory licensing, vendor partnerships, and compliance posture across all active states. Primary point of contact for creditor clients.
Licensing · Contact DiscoveryVice President, Operations
Manages day-to-day collection operations, floor performance, and team development. Oversees hiring, training, quality benchmarks, and the operational pipeline from account placement to resolution.
People Ops · Contact DiscoveryOutside Counsel — Licensing & Compliance
Outside counsel advising on regulatory compliance, multi-state licensing strategy, and legal risk across all jurisdictions. Ensures every operational process meets FDCPA, TCPA, and Reg F requirements.
Licensing & ComplianceWhether you’re a creditor exploring a new collections partner or an existing client expanding your portfolio, we’re ready to talk.
info@prodigalmoney.com
+1 (347) 708-5735
Clarkston, Michigan 48347 · United States
Pune, Maharashtra · India
CREDITOR CLIENTS
For portfolio placement, pricing, or a demo of our platform, reach out directly. We respond within one business day.
If you have received communication from Prodigal Money regarding an account, we are here to help you understand your options and find a resolution that works for you.
You have rights under the Fair Debt Collection Practices Act (FDCPA). You may request verification of any debt, dispute amounts, and communicate your preferences for how and when we contact you.
Consumer Support: support@prodigalmoney.com | +1 (347) 708-5735