Textivo.
Industries · Collections · Collection agencies

Collect more, with fewer calls with AI texting.

AI texts every account — compliantly, with opt-out and quiet hours — offers payment options, and books the call when they want a person. Your collectors work the accounts that need them.

01

Accounts

New placements, aged accounts, broken promises.

02

AI texts & engages

Validation, options, disputes routed. Every reply.

03

Resolution

Pay link, plan, or a call with a collector.

04

Paid

Promise → paid → closed, on one board.

One system

Six tools to collect more with AI texting.

1

Work every new placement on day one.

Upload the placement file. AI texts every account with validation notice and a pay link, and tells you who's engaging.

Placement file7,214 accounts
AI
Engaged1,120 this week
2

Answer every inbound in seconds.

A debtor texts back or calls after hours. AI responds immediately, offers options, books a call if they want one.

Inboundtext · missed call · web
AI
Answered in 4soptions offered
3

Confirm every promise to pay.

Export this week's promises and plans. AI texts the list to confirm, and re-offers to anyone who says they can't make it.

Promises this week340
AI
Kept288
4

Turn aged accounts into payments.

Every account that went quiet, every broken promise to pay. AI texts them with a new offer and finds who's ready.

Aged accounts4,860 · 90 days+
AI
Back in play612 engaged
5

Book calls with your collectors.

AI offers open slots and books the one they pick, only when they ask for a person. No-show, it rebooks.

Engaged accountbalance · options · dispute?
AI
CallTue 4:00 · Sam
6

Settlement campaigns, at scale.

One text to a segment: 40% off this month, hardship program, year-end settlement. Compliant frequency, every time. Replies land in your inbox.

Settlement offerto 9,400 accounts
9,400 accounts780 replies
Setup

Tell it what you sell. It builds the rest.

Answer a few questions about your offer. The AI writes the messages and the follow-ups in your voice, sets up the agent with your 3 qualifying questions, and connects your calendar. Edit anything.

Messages
3 TOUCHES · 3 DAYS✦ written by AI
DAY 1 · HOOK
Hey Rosa, it's James with [company].
DAY 1 · PITCH
Are you still interested in [offer]?
DAY 3 · FOLLOW-UP
Still open to it, Rosa?
AI agent
James · AI agent
● Answers every reply
Find interestQualifyBook
Qualifies on budget · timeline · reason. Books on Daniela's calendar.
Close

From reply to paid.

Every account lands on one board. The AI works the first three stages. Your collectors take the calls and the disputes.

Agency · Accounts
LEADCLOSE
›
Reply1120
Acct 48812
Acct 48901
Acct 49044
›
Engaged680
Acct 48812 · $1,240
Acct 49102 · $3,400
Acct 49210 · $620
›
Promise340
Acct 48812Pays Fri
Acct 49102Plan · $85/mo
›
Call96
Acct 49044Tue · 4:00
Acct 49210Dispute · Sam
›
Paid412
Acct 48901$560 · full
Acct 49310$1,100 · settled
Closed388
Acct 48655✓ Won
Acct 48700✓ Won
From the AIYour collectors

Click text. The whole thread is there.

Balance, options offered, dispute flags. You pick up where the AI left off.

Pipeline
Qualified15
Tate's Creations
Kovalchuk Constr.
Tate's CreationsQualified
Hey Tate, it's James with [company].
hey what's up
Are you still interested in [offer]?
yeah, depends on price
What's your budget per month?
2 to 4k
AI agent · qualified 3 of 3
Tate, James here. Got a slot Thu 2pm?
Type a messageSend

Click call. From the number they know.

Recorded, transcribed, logged on the lead. Wrap-up moves the stage.

Pipeline
Booked11
Pattersons Home
Affinity Contracting
Connected
Pattersons Home
Calling from the number they texted with
02:41
MuteHoldTransferEnd
After the call: recording · transcript · wrap-up → Follow up
Power dialer

Pick the stages. Call them all.

Select a group of stages and the dialer works through every lead in them, one after the other. Less dialing, more conversations.

Power dialer
CALL THESE STAGES
Reply48
Interested41
Qualified15
Booked11
Follow up6
▶ Dial 104 leads
Calling 23 of 104Connected
Spokane Blinds
Interested · replied Oct 12
01:12
Austin AllenConnected · 3:40
Paul CafoneVoicemail
Tate's CreationsConnected · 5:02
Kovalchuk Constr.Next
InterestedCallbackNot nowSkip
Dialed
23
Connected
9
Time
38 min
The account

Account, balance, next step. One card.

Account and creditor, what the AI learned, the scheduled call or payment. Call, text or email from here.

Account
Acct 48812Promise to pay
Original creditor: Metro Health · placed Oct 1 · (813) ••• 0190
QUALIFIERS
Balance✓ $1,240
Offer accepted✓ Pay in full Friday
Dispute✓ None
APPOINTMENT
Fri, Oct 24 · pay link
Reminder Thu · collector Sam if missed
CallTextEmail
Account · Activity
6 SMS messages · AI agent · Oct 18–20Open thread →
Call · 5:10Sam · Oct 20
6:12
● RecordedTranscript
AI SUMMARY
Confirmed the balance, asked about a plan. Chose to pay in full Friday after payday. No dispute.
Next: Reminder Thursday.
Payment · $1,240 · PaidPay link · Oct 24
● RecordedTranscriptOnline
AI SUMMARY
Paid in full via link. Receipt sent. Account closed.
Next: None.
The log

Every call and visit, summarized by AI.

Texts, calls and meetings on one timeline. Outcome and next step on the lead, pulled from the recording.

A calendar that fills itself.

Every booking lands on the right calendar. Here's how it gets there, and what comes back.

Calendar · Oct 12 – 16
DanielaGuyBusy · Google
Mon12
Tue13
Wed14
Thu15
Fri16
9am
Alfa Pro Services
Garage Door Man
All Island Renov.
Xtreme Magic
Jamie L.
Mark Dawson
Diego de Leon
Premier Project
Barelli Windows
ACT Construction
Jamie Judson
Johnny O Mech.
Fry Heating
Blue Star Hvac
Rustic Park City
GryphonDoor
Burton constr.
Busy
LUX Home Design
Truth Cooling
Busy · Google
A1 Home Impr.
New Braunfels
Martin and…
Vance Ho…
Russell Group
OV Realty
Busy
9th Island
Mars Home
Busy · Google
Diana Art Constr.
MIA Glazing
Made In
Walk-In Tub
Clark and Sons
Omnimax
Juan Llam…
A s Stone
Rod Quality
Busy · Google
Josh and Josh
Fuerte Con…
Lind Const.
Christopher Riley
Draxen Co…
Columbus Granite
A1 Home I…
Starzzman Ent.
Allegiance Roofing
1 · AI books

Booked without leaving the conversation.

The AI offers times from your calendar and locks the one they pick. Invite and link go out automatically.

Conversation · Rosa M.
AI AGENTAre you still interested in [offer]?
yeah, depends on price
AI AGENTLet's go over it quick. Which works?
Tue 11:00 AMWed 2:00 PM
Tue works
BOOKED✓ Locked in. Tue, Oct 14 · 11:00 AM with Daniela. Zoom link sent.
Pattersons Home · Demo
Tue, Oct 14 · 11:00 – 11:30 AM · Daniela
Zoom
2 · Reminders

Reminders that get them to show.

Confirmation on booking, SMS and email before the meeting. They confirm by text.

Appointment · Pattersons Home · Thu 10:30 AM
On booking
Confirmation + Zoom link
SMSEmail
24h before
Reminder
SMSEmail
1h before
Reminder
SMS
Prospect replied
yes, see you then
Status✓ Confirmed
3 · Your times

Synced to your calendar.

Google or Outlook. Busy slots never get offered. Round robin across the team.

Availability · Daniela
Tue, Oct 14
Google CalendarOutlook
9101112123
Team standup · Google
Open to book
Pattersons Home · booked by AI
Lunch · Google
Client call · Outlook
Open to book
Offered to prospectsBusy · from your calendarBooked
Round robinDaniela → Guy → Daniela
4 · After the meeting

Recorded. Summarized by AI.

Who showed, the outcome and the next step. Pulled from the recording, saved on the lead.

Appointment
Pattersons HomeShowed
Thu, Oct 15 · 10:30 AM · Host: Daniela · Zoom
ATTENDANCE · auto from Zoom
Lead joined10:29 · on time
Host joined10:30 · on time
Talk time25 min
AI SUMMARYfrom the recording
OUTCOME
Follow-up
SUMMARY
Wants ~20 leads/month to start, Tampa only. Interested, will discuss internally before deciding.
NEXT
Daniela to follow up Tue or Wed before noon.
Watch recordingMeeting notesSaved on the lead

When they miss a promise.

A broken promise doesn't go back to the dialer. The AI follows up, re-offers, and books a call if they want one.

Reschedule

“Can’t make it” → AI frees the slot, offers new times, rebooks.

Tue 2:00movedAIThu 11:00✓
Calendar updated · rep notified · reminders reset
No-show rebook

Nobody joined → AI texts them, offers new times, rebooks.

Tue 2:00no-showAIWed 10:00✓
Calendar updated · rep notified · reminders reset
Unified inbox

Every reply, one inbox. Take back any conversation.

Texts, emails and missed calls from every list and every source land in one place. The AI handles them. When you want in, hit Take back.

Inbox
ALL449
#
Allegiance Roofing
Re: Reschedule request
20m
#
Omega Glass
Missed call
22h
#
Spokane Blinds
Tue works for me
1d
#
Tate's Creations
2 to 4k
1d
#
Lion Guard
New Zoom link
1d
Allegiance Roofing
Rosa M. · Booked · Roofing campaign
Take back
AI AGENTAre you still interested in [offer]?
Depends on cost
AI AGENTGot it. How many leads a month can you handle?
10–15 probably. Can we move the call to Friday?
You took over · AI paused
Sure Rosa, Friday 10am works. Sending the new link now.
Type a messageSend
Optimize

Know which message gets the payment.

Every message is measured on the same file. Reply rate, engaged, paid. Keep the winner, drop the rest — per creditor.

Campaign · Message performance

Hook

Reply %Booked
A
13.4%7
B
9.8%4

Pitch

InterestedBooked
A
268
B
153

Hook A + Pitch A booked 2.6× more. Switch the campaign to A/A.

Campaign · Spend and cost per lead
Sent
3,433
Replied
412
Interested
41
Qualified
15
Booked
11
Spend$641.96

$15.66

per interested

$42.80

per qualified

$58.36

per booked

Control

Know what every dollar costs to collect.

Spend by SMS, AI and data, per file. Cost per engaged, per promise, per dollar collected.

More leads. More collected.

Upload a placement file this week. The AI is working accounts inside the trial.