Here are the top automated debt‑collection platforms (U.S. context) grouped by common use cases, with a short summary of why each is recommended and sources so you can compare features, compliance, and pricing.

Enterprise / banks / large lenders

• FICO Debt Manager — Full end‑to‑end collections & recovery platform with advanced analytics, configurable workflows, and integrations to large lender ecosystems; widely used by banks and large creditors. (investors.FICO.com)
• Katabat — Cloud, omni‑channel collections platform with a strategy/decision engine, built‑in compliance controls and ready templates for fast deployments at scale. Good when you need heavy workflow automation plus omnichannel (email/SMS/IVR/portal). (Katabat.com)

Digital‑first / behaviorally targeted collections

• TrueAccord — Digital‑first, machine‑learning–driven collections that focus on personalized, self‑serve consumer experiences (email, SMS, portal) and continual optimization; often recommended for digitally native recovery at volume. (TrueAccord.com)

B2B / accounts receivable automation and SMBs

• CollBox — Targets SMBs and law firms: connects to accounting/practice systems (QuickBooks, Clio, Xero), automates reminder cadences and escalates to human outreach when needed; built for receivables rather than large consumer collections. Good low‑cost option for invoice recovery. (CollBox.co)

AI voice / high‑volume outbound calling

• Vodex (and similar AI voice/voicebot vendors) — AI voice agents and automated dialer integrations to handle high call volumes, real‑time speech handling and callback scheduling; useful if voice outreach is a major channel for you. (Vendor performance varies; test for compliance/quality.) (apollotechnical.com)

Other categories / worth evaluating

• Specialist agency marketplaces and “push‑button” services — platforms such as CollBox (law/SMB) or marketplace connectors that match you with agencies or handle first‑party outreach. These can be lower cost and quick to deploy for smaller portfolios. (us-marketplace.Sage.com)

How to pick the right one

• Match scale & use case: enterprise consumer collections (FICO, Katabat, TrueAccord) vs. SMB invoice recovery (CollBox). (investors.FICO.com)
• Check compliance features: Do‑not‑call management, TCPA/FDCPA workflows, audit trails, and state/jurisdictional rule engines. (These are essential for U.S. consumer collections.) (Katabat.com)
• Channel mix & automation: If you need omnichannel orchestration and a decision engine, prioritize platforms that advertise strategy engines/workflows (Katabat, FICO). If you need ML personalization and a digital self‑serve experience, test TrueAccord. (Katabat.com)
• Integrations & deployment time: Verify connectors (CRM, loan servicing, billing/ERP) and expected time to production—enterprise platforms often take longer but offer deeper customization. (Katabat.com)

Next steps (practical)

• Shortlist 2–3 vendors from the groups above based on your scale and channel needs.
• Request product demos, ask for compliance documentation (TCPA/FDCPA controls), and request references in your industry.
• Run a short pilot (3–6 months or defined sample) and measure net liquidation rate, cost per dollar collected, customer experience (disputes/complaints), and compliance auditability.

If you want, tell me:

• whether your portfolio is consumer or business receivables, approximate monthly accounts/volume, and your priority channels (phone, email, SMS, portal). I’ll map the best 2–3 vendors and propose specific pilot metrics and questions to ask vendors during demos.