SMS Debt Collection Software

Reduce Agent Workload and Speed ROI with Smart SMS Campaigns

Tratta’s built-in, compliant SMS debt collection tools include smart routing and automated workflows to increase and accelerate connections by reaching customers in the way they prefer.

Higher Engagement

Reach consumers instantly with personalized SMS messages tailored to their preferred communication channel.

Built-In Compliance

Send pre‑approved templates from firm‑owned numbers while automatically offering opt‑outs and adhering to FDCPA rules.

Automated Efficiency

Trigger texts based on account status, seamlessly routing customers directly to secure self‑serve payment portals.

Automated Campaigns

Smart SMS Triggers and Routing

Fully automated SMS debt collection campaigns scales conversions without coding. User-configured logic uses conditional logic to trigger follow-ups by text, re-engage dormant accounts, and send customized payment links.

Automated Outreach: Configure triggers by account, payment, or status with no coding required
Personalized Connection: Dynamically customize text messages with built-in merge fields
Direct Settlement Access: Securely embed "Magic Links” in text messages for fast-entry, password-free consumer settlement offers

360° Visibility

Real-Time Analytics and Tracking

Improve operations with total visibility into your team’s performance. Measure SMS debt collection campaign ROI, track link clicks, attribute call-ins, and monitor deliverability to continuously optimize your strategy.

Transparent Results: Track campaign success by per-message opens, link clicks, conversions, and blocks
Inbound Call Attribution: Tie each call directly to a campaign-specific SMS phone number
Click-Free Message Suppression: Automatically recategorize hard-bounced SMS messages and place those accounts on your suppression list
Metric Monitoring: View campaign results on an easy-to-read, integrated dashboard that includes Customer Analytics, Transactions, Payment Plans, Scheduled Charges, and more