Compliance & Collections

{
  "phone_number": "+14155551234",
  "instructions": "You are a professional collection agent. Your goal is to collect payment for account {{account_number}} with a balance of {{debt_amount}}. Be firm but respectful. Offer payment plans if they can't pay in full. If they request to be removed from the call list, immediately honor that request. Never threaten or use abusive language.",
  "first_sentence": "Hi {{name}}, this is a call regarding account {{account_number}}. I'm reaching out about an outstanding balance of {{debt_amount}}.",
  "voice": "alloy",
  "mode": "realtime",
  "temperature": 0.6,
  "request_data": {
    "name": "John Smith",
    "account_number": "ACC-12345",
    "debt_amount": "$1,250.00"
  },
  "webhook_url": "https://your-app.com/webhooks/collection"
}

app.post('/webhooks/collection', async (req, res) => {
  res.status(200).json({ received: true });

  const call = req.body;

  if (call.call_summary.includes('payment received')) {
    await updateAccountStatus(call.metadata.account_number, 'paid');
  } else if (call.call_summary.includes('payment plan')) {
    await createPaymentPlan(call.metadata.account_number, call.metadata.payment_plan);
  } else if (call.call_summary.includes('opt out')) {
    await optOutDebtor(call.phone_number);
  }

  // Log for compliance
  await complianceSystem.logCall({
    accountNumber: call.metadata.account_number,
    phoneNumber: call.phone_number,
    outcome: call.call_summary,
    transcript: call.transcript,
    recordingUrl: call.recording_url,
    timestamp: call.end_at
  });
});