TL;DR

We use autonomous voice/text agents to collect debt for banks. Since launching in Mexico 6 months ago, we have collected over $6M USD using only AI agents.

Our launch video

Check us out at altur.ioㅤ

The Problem

Collecting debt for banks is expensive and labor intensive:

• High churn and uneven quality: Traditional contact centers rely on underpaid, undertrained agents, which drives turnover, inconsistent conversations, and compliance risk.
• Expensive and slow stacks: Many vendors sit on third party telephony and tooling, which adds latency and cost and limits control.
• Weak follow up: One shot phone calls with no coordinated text or WhatsApp follow through means low connect and conversion.
• Blind spots and poor iteration: Conversational data is fragmented, so teams cannot A/B scripts, enforce policy, or grade calls at scale.

Result = low recovery rates, high operating costs, and regulatory exposure.ㅤ

Our Solution

Altur provides autonomous agents that negotiate, handle objections, and secure payments while maintaining full regulatory compliance. We run on our own telephony infrastructure, so calls are low latency and costs are predictable and scalable.

• Voice agents with natural prosody and median sub second response.
• Automatic follow up on WhatsApp that continues the same conversation.
• Compliance and policy engine aligned to client rules, with automatic QA and call grading.ㅤ

Pricing

• Usage based. Per minute pricing with a monthly minimum commit, includes a block of concurrency and standard reporting.
• Outcome based option. We can also operate as the debt collector. Fixed platform fee plus a success component tied to collected amounts.ㅤ

What's Under the Hood

A 100% in-house product

The Team

We are Luis Olave and Pedro Fernández. We have spent the last 2 years operating in debt collections in Mexico, first with WhatsApp chatbots and now with voice.

Our Asks

• We’re working with a great set of bank and call center contacts, and would welcome introductions to more.
  • Especially debt collection teams at banks, fintech lenders, BNPLs, and contact centers in the US and Latin America.
• Advice on US collections compliance and vendor onboarding, including Reg F and PCI.

Contact

luis@altur.io and pedro@altur.io