FDCPA obligations apply to each conversation your agency has, not to the ones a reviewer happens to sample. Voxjar scores mini-Miranda delivery, right-party verification, prohibited language, and disclosure requirements on 100% of calls, and keeps the reasoning on file for every result.
The free evaluation includes a collections sample call with disclosures. Score it, or one of your own, in minutes.
Collections is unusual among phone-heavy industries in one uncomfortable way: the regulation attaches to the individual call. A mini-Miranda that didn't get delivered, a debt discussed before the right party was verified, a phrase that a court reads as a threat: any single conversation can become a complaint, a regulator's exhibit, or the basis of a lawsuit. The exposure doesn't average out across your good calls.
Yet the standard QA model in the industry is a sample, which means the compliance posture on the overwhelming majority of calls is, precisely, hope. Hope that the agent who skips the disclosure when rushed was in the sample. Hope that the habit a team picked up last quarter would have surfaced by now. When a complaint does arrive, a sampling program can only describe what it happened to look at; it cannot speak to the call in question unless luck put it in the queue.
Voxjar replaces the hope with a record. Every call is transcribed and scored against your compliance scorecard, every score carries glass-box reasoning tied to the transcript, and your compliance team reviews the flagged exceptions with calibration and dispute workflows built in. The same coverage also measures what drives recovery: whether agents verify the situation, offer arrangements within guidelines, and secure commitments. Compliance and performance stop being separate programs; they are two columns on the same card.
A starting point built around FDCPA obligations. Your compliance team defines the criteria and the standards; Voxjar applies them to every call and documents the result.
| Criterion | Why it's on the card |
|---|---|
| Mini-Miranda delivered | The required identification of the call's purpose, verifiable on every call rather than assumed |
| Right-party contact verified before disclosure | Discussing a debt with the wrong person is a violation before the conversation even starts |
| Prohibited language absent | Threats, misrepresentation, and harassment indicators are checked for on every call, not discovered in a complaint |
| Dispute handling per policy | A dispute triggers specific obligations; the record should show they were met |
| Payment solution offered per guidelines | Recovery depends on workable arrangements, offered inside the rules |
| Call recording disclosure present | Where disclosure is required, its presence should be a fact in the record, not a habit you trust |
State-specific requirements, client-specific rules, and your own policies all live on the same card.
Every call carries its scores, the AI's reasoning, and the transcript moments behind each finding. When a specific call is questioned, the review already happened and the record already exists.
Evaluations run in batches right after calls end, and a flagged violation can notify your compliance team through universal webhooks the same day. Real-time analysis is available where a program requires it.
The same coverage scores negotiation: situation verified, arrangement offered within guidelines, commitment secured. Coaching gets grounded in what each agent actually does across their full volume, not a manager's impression.
Unlimited users means compliance officers, floor supervisors, and agents each see the record from their own side, with human review and disputes handled in one place.
There is no such certification, and any vendor implying one should raise questions. What Voxjar does is score FDCPA requirements on every call: you encode your obligations, mini-Miranda, disclosures, prohibited language, dispute handling, into a scorecard, and every conversation is checked against it, with the reasoning and transcript behind each result. Voxjar itself holds SOC 2 compliance and supports HIPAA, GDPR, and PCI-DSS requirements.
It changes what they review. Instead of sampling calls at random and hoping the sample is representative, your team starts from the calls the AI already flagged: the missed mini-Miranda, the disclosure given before right-party verification, the phrase that reads as a threat. Human review, calibration, and dispute workflows are built in, so the team's judgment is spent on the exceptions rather than the search.
Yes. Checking that required language was said is the easy half. The scorecard also evaluates what should be absent: threats of action you don't intend to take, misrepresentation of the debt or its consequences, harassment indicators. Because each result is glass-box, a compliance officer can read exactly why a call was flagged and confirm or overturn the finding with evidence.
A sampling program can only say what you happened to look at. Scoring every call means that when a specific consumer complaint arrives, the call, its transcript, its scores, and the reasoning are already on file, and you can also show a consistent, documented review standard applied across all calls, not a policy binder and a 2% sample. That record is the difference between asserting your practices and demonstrating them.
Both, and from the same scorecard. The criteria that protect you legally sit alongside criteria for negotiation quality: whether the agent verified ability to pay, offered a workable arrangement within guidelines, and secured a commitment. Agencies typically discover their per-agent variance in negotiation is far larger than they assumed, because nobody had ever measured it across full volume.
Plans are published, start at $99/month based on the volume of calls you analyze, and include unlimited users with no setup fee, so compliance, operations, and agents can all have access. Setup is self-serve: connect your recordings or upload calls, build your compliance scorecard, and see scored calls the same day. There is a free tier, and you can score a sample collections call before creating an account.
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