debt-collection
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DCM Services and the accounts nobody counted
A debt can disappear from a dashboard long before it disappears from an estate. DCM Services built a business around finding the difference.
Vocalcom
For nearly three decades the French software maker has quietly wired the phones, chats and bots behind some of the world's busiest customer service desks. Now it is betting its future on an AI-ready cloud.
Avtal
Avtal is an Austin-based fintech that builds an AI-powered, white-labeled digital engagement platform for third-party debt collection agencies. Combining automated email and SMS outreach with a compliant, self-serve consumer payment portal, Avtal layers onto an agency's existing phone and mail operations to lift liquidation rates by 50%-75%. The company charges only a performance-based percentage of what it collects, and raised $24 million in Seed and Series A funding led by S3 Ventures in March 2026.
Skit.ai
Skit.ai is a New York-based conversational AI company that automates debt collection and accounts receivable operations for banks, agencies, fintechs, healthcare systems, and utilities. Founded in 2016 as Vernacular.ai and rebranded to Skit in 2021, it runs a generative-AI-powered platform of voice, SMS, email, and chat assistants plus a Collection Intelligence Platform and an ecosystem of specialized AI agents that negotiate payments, capture dispositions, and enforce federal and state collection compliance at scale.
January
January is a New York fintech that uses AI to modernize one of finance's least-loved corners: debt collection. Its platform helps lenders, banks, credit unions and debt buyers recover past-due and charged-off consumer debt while giving borrowers transparent, lower-pressure ways to repay - tailored payment plans, self-service tools and built-in regulatory guardrails. Founded in 2016 (originally as Debtsy), the company says its software has serviced more than $10B in debt and handles more accounts than all but the largest banks, pairing data-driven recoveries with consumer satisfaction scores it claims beat traditional agencies.
Jake Cahan
Jake Cahan is the founder and CEO of January, a New York fintech rebuilding the debt-collection industry around compliance and compassion instead of harassment. Founded in 2016 (originally as Debtsy), January uses an AI-driven platform to help creditors recover money while treating borrowers like people, not criminals. After a slow, hard-fought start convincing credit unions and banks, Cahan raised a $12M Series B in December 2023 and has helped hundreds of thousands of Americans resolve debt. A Brown computer-science background and a stint as a venture investor at Third Prime preceded the company that has become his decade-long obsession.