Debt Collection Agent
The Debt Collection Agent prepares letters of demand, National Credit Act section 129 notices, summonses and default judgment applications for high-volume collections. Before each step it checks prescription, the in duplum rule, section 130 requirements and whether the debtor is under debt review, so matters proceed correctly and without costly setbacks.
Ideal forCollections attorneys
The difference
From 45-60 minutes per file to 5-10 minutes
Collections teams handle far more files with the same staff, and clients recover money sooner.
Done by hand
45-60 minutes per file
With the Vanine agent
5-10 minutes
Time returned to your team
85%
Indicative figures. We measure your own baseline in the first fortnight so the numbers you see are yours.
Volume without shortcuts
Collections depend on processing many files accurately. The agent prepares every document consistently, so volume never comes at the expense of compliance.
Fewer defended and rejected matters
Defective section 129 notices, prescribed debts and interest above the in duplum limit lead to rescissions and wasted costs. The agent checks each before process is issued.
Faster cash recovery
Letters, notices and applications are ready sooner, so clients see recoveries earlier and your team handles more files.
Capabilities
High-volume collections, prepared correctly and ready for attorney sign-off.
Built for collections attorneys, debt recovery departments, credit managers, retailers, lenders and landlords recovering debts in South Africa.
Letters of demand
Generates letters of demand in bulk from client instructions and account data, with the correct amounts, interest and deadlines.
Section 129 notices
Prepares National Credit Act section 129 notices for credit agreements and tracks proof of delivery before any further step is taken.
Prescription checks
Calculates prescription dates under the Prescription Act 68 of 1969 from the last payment or acknowledgement of debt, and blocks prescribed claims.
In duplum and interest checks
Checks that accumulated interest and charges do not exceed the unpaid balance under the in duplum rule and the National Credit Act.
Debt review and debtor tracing
Checks debt review status and traces debtors through your credit bureau and Windeed or SearchWorks subscriptions, logging each search.
Summons and default judgment
Prepares summonses and default judgment applications for the Magistrates' Courts or High Court, with section 130 compliance recorded on the file.
How it works
From your systems to a result you sign off
The attorney reviews and signs each letter and summons, and issues process and applies for default judgment at court.
Connect the places your debtor files already live.
Client instructions and account statements, your practice management system, and credit bureau and tracing data through your subscriptions. Already use something else? We connect that too.
- OpenAI Frontier
- Your own AI platform or models
- Microsoft 365 (Teams, SharePoint, Outlook, Excel)
- Copilot Studio
- LegalSuite, GhostPractice and AJS
- Credit bureaus: TransUnion, Experian, XDS (via your subscription)
- Windeed and SearchWorks (via your subscription)
- Court Online and CaseLines
Runs as a scheduled batch for new instructions, or on request in Teams or OpenAI Frontier, using the models your organisation approves.
Letters, section 129 notices, summonses and default judgment applications in Word or PDF, with file status updated in your practice management system.
Step by step
- 01
New collection instructions and account data arrive from the client.
- 02
The agent checks prescription, in duplum limits and debt review status.
- 03
It prepares letters of demand and section 129 notices and tracks delivery.
- 04
When the required periods have passed, it prepares the summons or default judgment application.
- 05
The attorney reviews, signs and issues the documents at court.
Deployment
Runs inside the tools your team already uses
The same agent and the same cited output, delivered three ways: through the AI assistant you have rolled out, on a model you host yourself, or inside your own software.
In the frontier assistant you already pay for
We publish the agent as an MCP server. Add it as a connector and your team calls it from the chat they use every day, with no new tool to learn.
"Have any of these debts prescribed?"
- batch
- September handover
- accounts
- 544
On a model you host yourself
Run the agent on open-weight models in your data centre or private cloud. Your debtor files never leave your network, which keeps POPIA and data residency straightforward.
- Llama
- Mistral
- Ollama
- or any OpenAI-compatible endpoint
Inside your own software
Trigger a run from your own workflows, and push the finished output into your ERP, GRC or reporting systems. We build the integration with your team.
- REST API
- Webhooks
- Batch jobs
- Embeddable review panel
Governed the same way, every route
Whichever way your team reaches the agent, identity, permissions and audit stay with your existing controls.
- Single sign-on through Entra ID, Okta or Google Workspace
- Reads only the documents each user is already allowed to open
- Every tool call written to an audit log you can export
How we deliver it
One agent, three ways to hold it
Start where your team already works, then take it as far into your systems as the value justifies.
DATA SECURITY & PRIVACY
Your debtor files stay yours.
The agent runs inside your tenancy, reads only what each task needs, and never trains on your debtor files. Every step is logged so your auditors can see exactly what it touched.
Built for regulated work.
+YOUR DEBTOR FILES NEVER LEAVE YOUR ENVIRONMENT
More agents
More agents we build for South African enterprises
Each one is built on the same foundation: your documents, your rules, and your people signing off.
Precision AI for Institutional Workflows
