Total CollectR
Total CollectR (Kollx AI) is a US-based SaaS company that provides an AI-powered debt collection platform, including a CRM and an autonomous multi-channel virtual collector, to financial services firms, collection agencies, and healthcare providers across North America.
- Company typePrivate
- Founded2020
- HeadquartersSheridan, United States
- Headcount—
- GTM typeB2B
- OfferingSoftware
What Total CollectR does
Total CollectR, now operating as Kollx AI (legal entity Kollx AI, LLC), is a US-based, privately held software company that builds an AI-powered debt collection platform for creditors, collection agencies, and healthcare providers. Founded in 2020 and based in Sheridan, the company was rebranded to Kollx AI in 2025 to emphasize its AI-centric positioning, with two flagship products: Kollx Pro, a debt collection CRM that uses AI to match accounts to agents based on performance data and consumer profiles, and Kollx 360, a virtual collector that automates multi-channel outreach (SMS, email, WhatsApp, and 15+ additional channels) with personalized messaging and real-time replies, operating continuously while maintaining FDCPA, TCPA, UDAAP, and Reg F compliance.
Underlying the products are AI capability claims spanning autonomous agents, predictive analytics, NLP for multilingual engagement, recommendation-driven routing, and process automation. The platform integrates with third-party financial data providers, notably Plaid, and is sold through a demo-driven B2B enterprise sales motion, primarily across North America. Marketing claims include a 34% improvement in accounts resolved, a 40% reduction in operating costs, and a 31% increase in right-party contacts, though these have not been independently verified in the input data.
The business model is a B2B SaaS subscription, with pricing not publicly disclosed and sales handled on a quote basis. The go-to-market is field/enterprise-led, anchored by HubSpot demo scheduling and direct contact forms, supported by blog content for top-of-funnel demand. Three target segments (Financial Services, Collection Agencies, Healthcare) are addressed with dedicated solution pages. No funding rounds, headcount, ARR, or named customer logos are disclosed in the source material, and the company appears to remain founder-led without disclosed institutional investors.
Total CollectR firmographics
Firmographics- Name
- Total CollectR
- Legal name
- Kollx AI, LLC
- Website
- https://totalcollectr.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Short description
- Total CollectR (Kollx AI) is a US-based SaaS company that provides an AI-powered debt collection platform, including a CRM and an autonomous multi-channel virtual collector, to financial services firms, collection agencies, and healthcare providers across North America.
- Ownership category
- akta.pro rank
Total CollectR industry classification
Industry- Product category
- Debt Collection Software
- NAICS
- Software Publishers (513210)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Collections, Recovery & Debt Management Platforms (FSAGAHAI)
- akta.pro secondary industry
- Collections Technology, Dialing & Workflow Platforms (FSAKAJAI)
Keywords
Where Total CollectR is headquartered
LocationHeadquarters
- HQ city
- Sheridan
- HQ country
- United States
- HQ region
- North America
Markets served
Total CollectR business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- SaaS Platform Subscription: AI-powered debt collection platform delivered as subscription service. Pricing likely based on account volume, agent seats, or outcome-based models typical for B2B SaaS in the collections industry.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Total CollectR product offering
Product offeringCore offering
Total CollectR (now operating as Kollx AI) provides an AI-powered debt collection platform that combines a virtual collector (Kollx 360) and a debt collection CRM (Kollx Pro). The platform automates personalized consumer outreach across 15+ channels (SMS, email, WhatsApp), assigns accounts to agents based on performance data, and includes built-in compliance monitoring for FDCPA, TCPA, UDAAP, and Reg F.
Product overview
Total CollectR operates as Kollx AI, an AI-powered debt collection platform consisting of two integrated products: Kollx Pro (Debt Collection CRM) and Kollx 360 (Virtual Collector). The platform combines predictive automation, real-time insights, and personalized multi-channel outreach across 15+ channels to accelerate debt recoveries, cut operating costs by 40%, and ensure compliance with FDCPA, TCPA, and UDAAP regulations.
Differentiator
Problem solved
Functional benefit
Brands
- Kollx Pro: AI-powered Debt Collection CRM that matches accounts with agents based on performance data and consumer profiles, improving workflows and collection outcomes with real-time insights and integrations.
- Kollx 360
Products and services
- Kollx Pro (Debt Collection CRM)
Quantifiable outcome
- 34% more accounts resolved through AI-powered workflows targeting right accounts on right channels at right time
- +2 more outcomes
Companies that use Total CollectR
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Total CollectR technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability7 records
Feature5 records
Total CollectR partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- PlaidcorePlaid integration enables financial data connectivity for account verification and financial insights within the Kollx AI debt collection platform. Plaid is shown as a trusted ecosystem partner in the Powering the Ecosystem section of the website.
Scale indicators2 records
Recent moves5 records
Expansion highlights5 records
Total CollectR competitors and assessment
Company assessmentDirect peers
- TrueAccord: TrueAccord operates a digital-first, AI-driven debt collection platform that uses multi-channel consumer outreach (email, SMS, push) with built-in compliance, directly comparable to Kollx 360's virtual-collector approach. It serves creditors and agencies in financial services and is one of the most direct head-to-head competitors in AI-native collections.
- Skit.ai: Skit.ai provides AI voice and chat agents for debt collection workflows, automating consumer conversations across inbound and outbound channels. It competes directly with Kollx 360 on autonomous outreach and shares the same enterprise buyer (collection agencies, creditors, lenders).
- InDebted: InDebted offers a cloud-based AI debt collection platform with multi-channel digital engagement designed to replace traditional call-center-based collections. It is closely comparable to Kollx AI on product scope and target customer (financial services and fintechs), with overlapping go-to-market messaging.
- Collectly: Collectly provides AI-driven patient billing and debt collection workflows for healthcare providers, including multilingual outreach and payment automation. It is a direct vertical peer to Kollx AI's healthcare segment, with comparable technology stack and overlapping buyer personas (RCM leaders at provider systems).
- LiveVox: LiveVox is a cloud contact-center platform purpose-built for debt collection agencies and creditors, offering predictive dialing, compliance tools, and AI-driven agent assistance. It is a more established direct peer overlapping on the CRM and workflow-automation layers (analogous to Kollx Pro).
Broad incumbents
- NICE Actimize: NICE Actimize is a broad incumbent in financial crime, risk, and compliance software, with debt collection and customer engagement capabilities via the broader NICE portfolio. It competes with Kollx AI most directly on enterprise compliance and analytics, though its portfolio is far wider than collections alone.
- Genesys: Genesys is a large cloud contact-center and customer-experience platform with embedded AI capabilities that serve enterprise collections operations. It overlaps with Kollx AI on multi-channel orchestration and agent-assist, but as a much broader platform rather than a collections-specialized tool.
- FICO: FICO provides credit decisioning, scoring, and analytics used across lending and collections, including collection-strategy optimization products. It overlaps with Kollx AI's data-and-analytics layer and is sold into many of the same financial services buyers, though its portfolio extends well beyond collections.
Emerging players
- Payitoff: Payitoff offers a debt-management and collections-platform API for fintechs and lenders, focused on consumer-facing repayment experiences. It overlaps with Kollx AI on collections workflow tooling, particularly for newer digital lenders and fintechs that align with Kollx's financial-services segment.
- Subaio: Subaio is a white-label subscription- and debt-management platform used by banks and fintechs to support consumer repayment and avoid collections escalation. It is thematically adjacent, sitting upstream of traditional collections, and competes for similar fintech and lender wallet share.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Total CollectR social profiles
Digital presenceTotal CollectR financial estimates
Financial estimateRevenue estimate
Valuation estimate
Total CollectR leadership team
Management profileNumber of profiles
Total CollectR funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Total CollectR M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Total CollectR
What does Total CollectR do?
Total CollectR (now operating as Kollx AI) provides an AI-powered debt collection platform that combines a virtual collector (Kollx 360) and a debt collection CRM (Kollx Pro). The platform automates personalized consumer outreach across 15+ channels (SMS, email, WhatsApp), assigns accounts to agents based on performance data, and includes built-in compliance monitoring for FDCPA, TCPA, UDAAP, and Reg F.
Is Total CollectR a public or private company?
Total CollectR is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Total CollectR founded?
Total CollectR was founded in 2020.
Where is Total CollectR based?
Total CollectR is headquartered in Sheridan, United States, in the North America region.
How does Total CollectR make money?
One revenue line is on record: saaS Platform Subscription.
Who are Total CollectR's main competitors?
Direct peers on record are TrueAccord, Skit.ai, InDebted, Collectly and LiveVox. Broad incumbents are NICE Actimize, Genesys and FICO. Emerging players are Payitoff and Subaio.
Does Total CollectR have an API?
No public API is recorded for Total CollectR.
What industry is Total CollectR in?
Total CollectR's product category is Debt Collection Software. Its primary akta.pro industry code is FSAGAHAI, Collections, Recovery & Debt Management Platforms, with a secondary code of FSAKAJAI, Collections Technology, Dialing & Workflow Platforms. Its NAICS code is 513210 and its SIC code is 7372.