The agency
For the collectors and their owner
The creditors you work for, the accounts they place, and a gate in front of every contact. Your people work fast because the software won’t let them break a rule.
Collections, from Snow AI
Every call, text and letter asks the rules first.
Recovery is the collections desk for agencies and the creditors they work for: hospitals, card issuers and more. Before a phone rings, a message goes or a line reaches a credit bureau, one gate checks it and answers allow, hold or block, with the reason and the rule. Then it writes it down.
The gate is in build. One of its rules, the BAA check on a hospital’s placement, already runs in the app. The account below and every figure on this page are invented.
Dana WhitlockHarbor Card · card issuer
Example- Balance
- $1,284.50
- Lives in
- New Jersey · Eastern time
- SSN
- Sealed
- Service
- Sealed · a word count only
Account
What you want to do
Calls on this debt, last 7 days
The gate
Every rule, in turn, before anything goesCall herat 7:40 am her time
BAAlive
8am–9pmin build
7 in 7in build
Opt-outin build
Disputein build
Bureauin build
HeldIt is 7:40 am where she lives: before 8am or after 9pm is presumed inconvenient.
Queued for 8:00 am her time.
Reg F §1006.6(b)(1)(i)- BAADoesn’t apply. Checked when the account was placed.
- 8am–9pmIt is 7:40 am where she lives: before 8am or after 9pm is presumed inconvenient.
- 7 in 7Call 3 of 7 this week.
- Opt-outDoesn’t apply. Applies to texts and emails.
- DisputeNo open dispute.
- BureauDoesn’t apply. Only for a bureau line.
The recordKept three years · no values, ever
- 7:40amHeldCall · Reg F §1006.6(b)(1)(i)
Runs in the app todayIn buildRules: Regulation F, the FDCPA, HIPAA and state law
Six examples, one rule each. Change anything to take over.
The rules it knows
Contact hoursReg F §1006.6(b)Seven calls in seven days§1006.14(b)Stop texts and emails§1006.6(e)The validation notice§1006.34No reporting before contact§1006.30(a)Time-barred debt§1006.26Consent and revocationTCPACredit reportingFCRA · Metro 2Business associate agreementHIPAANonprofit hospitals501(r)State medical-debt lawsby state
Who it’s for
Three people on every account. One set of rules for all of them.
The creditor
For hospitals, card issuers and more
A hospital’s accounts are health information, so nothing is placed until the business associate agreement is signed. Every creditor will see what was placed, collected and returned, live.
The person who owes
For the consumer, too
Plain words, the right to dispute in one tap, a plan sized to what they can pay, and a stop button for texts and emails that every channel honours.
8–9the hours a phone may ring: 8am to 9pm, in her time, not yoursReg F §1006.6(b)
7 in 7calls in seven days on one debt, then the gate closesReg F §1006.14(b)
14days after a letter that didn’t bounce, before anything reaches a bureauReg F §1006.30(a)
3years every record is kept after the last activityReg F §1006.100
0hospital accounts placed without a signed BAA. That one runs todayHIPAA · in the app
Where Recovery stands
The vault is built. The gate is next.
Recovery began on 28 September 2026 with the part that must never be wrong: where an account’s details are kept and who may see them. Nothing goes out to a consumer yet. Calls, texts, email and letters come with the gate, and with the operator’s approval.
Built today In the app
- Creditors, by kindHealthcare, card, utility or other, each with its BAA date where it needs one.
- Placing an accountName, contact, state, balance, status and the day it was placed, checked on the server.
- The BAA ruleNo account is placed with a hospital or doctor until the agreement is signed, on or before that day.
- Sealed detailsA date of birth, an SSN and a medical service description are sealed under the app’s own key. If one can’t be sealed, nothing is saved.
- Masked, then revealed with a recordMembers see an agency’s accounts masked; its owner or admins can reveal or export, and every reveal, export and refusal is logged.
In build Next
- The gateOne rules engine in front of every call, text, email, letter and bureau line: allow, hold or block, with the reason.
- The consumer’s pageThe validation notice in plain words, a dispute button, a plan sized to what they can pay, and channel choices.
- Payments and the trust ledgerPlans, receipts, returned payments, commission and what is sent back to each creditor.
- The creditor’s viewPlaced, collected, returned and disputed, live rather than a monthly PDF.
- Credit reporting and work queuesThe Metro 2 file with dispute codes, state medical-debt rules, and queues that only hold what may be worked.
Four screens
Two you can use today. Two on the way.
Built
An account opens masked. Revealing it leaves a mark.
The details that hurt if they leak are sealed before they are saved, and your collectors see them masked. The agency’s owner or admins can reveal one for thirty seconds, then it masks itself again. The record keeps who, what and when, never the value.
- Nobody sees another agency’s creditors or accounts
- Nothing protected in a title, an address, a file name or a log
- A full export needs a reason and a fresh sign-in
Dana Whitlock
Harbor Card · placed 29 September 2026
- Balance
- $1,284.50
- Mailing state
- NJ
- Date of birth
- Sealed
- SSN
- Sealed
A full export needs a reason and a fresh sign-in.
| When | Who | What | Field |
|---|---|---|---|
| Oct 2 · 10:14 | owner@agency.example | Export, with reason | Accounts |
| Oct 1 · 16:02 | sam@agency.example | Reveal refused | SSN |
Built
No signed BAA, no hospital account.
A hospital or doctor’s account is health information. Recovery won’t take one until the business associate agreement is recorded, and dated on or before the placement. The form warns as you choose the creditor; the server refuses whatever the form says.
- A service description is accepted only on a healthcare creditor’s account
- It is sealed, and shown only as a word count
- Snow AI HQ sees counts, never a name or a balance
Place an account
Sealed fields are sealed on the server before anything is saved.
Creditor
Lakeside Medical Group (no BAA)▾
No BAA is recorded for this creditor, so this placement will be refused.Full name
Dana Whitlock
Balance (USD)
1,940.00
Service description
Health information: sealed, and shown only as a word count.
Place account
This creditor is a healthcare provider with no signed BAA. Record the BAA before placing its accounts.
In build
The person who owes gets a page, not a threat.
The validation notice, in the CFPB’s model form and plain words: who is owed, how the balance got here, and what they can do. Disputing is one tap, and it stops the clock. A plan is sized to what they can pay, inside the creditor’s limits, with no fees.
- One preference page: calls, texts, email and letters all honour it
- Nonprofit hospitals: the financial-assistance summary first
- Every message drafted with help is labelled, and a person approves it
Your accountExample
Here is what we have, and what you can do.
Owed on 1 July 2026$1,184.50
Interest since+ $100.00
Fees since+ $0.00
Paid since− $0.00
Now$1,284.50
A plan that fits12 months
$107.05a month, no fees
Disputed. Collection is paused until we mail you the verification.
A preview: nothing is sent or saved.
In build
The creditor sees it live, not in a monthly PDF.
What was placed, what came in, what was sent back and what is disputed, by month and by account. A hospital sees its own; nobody sees another creditor’s.
- Placements uploaded, mapped and checked for duplicates
- Remittance with the commission split shown
- Open APIs and clean exports
Harbor Card
Placed with your agency since July
Placed412
Collected$38,920
Returned to you$27,244
Disputed9
Collected by monthExample figures
Her 8am, not yours
Your desk is in New Jersey. Her phone may not be.
A call before 8am or after 9pm where the consumer is counts as inconvenient. When her address and her phone number say different time zones, both clocks must allow it. Move the desk’s clock and watch who can be called.
Example consumers
Newark, New JerseyEastern
Can call · 9:00 amChicago, IllinoisCentral
Can call · 8:00 amDenver, ColoradoMountain
Held · 7:00 amLos Angeles, CaliforniaPacific
Held · 6:00 amAnchorage, AlaskaAlaska
Held · 5:00 amHonolulu, HawaiiHawaii
Held · 3:00 amLives in New Jersey, phone from CaliforniaBoth must allow
Held · phone 6:00 amOffsets as they stand in October, with daylight saving. The gate will read the zone from both the address and the phone number on file.
What’s included
Two ways to have Recovery. Every rule in both.
On its own, or inside the Snow AI account you already have. The rules are never an add-on: a desk that can break them is not one we will sell.
Recovery on its own
For an agency that only needs the collections desk. Its own page, its own plan, the Snow AI sign-in, and your whole team on it.
Pricing is being setProposal · no figure until it’s final
- Creditors, placements and sealed details
- The gate, the record and the consumer’s page, as each is built
- Ask for questions about your accounts
Recovery inside your Snow AI account
Add it to the account you use for other Snow AI apps. Anything the account already has is not charged again.
Pricing is being setProposal · no figure until it’s final
- Everything in Recovery on its own
- Ask, Transcribe and Sign shared with every app, their use pooled
- Pitch’s collections course for the people on the phones
What having it in the family saves. An agency needs more than the desk: calls written out, plans signed, answers about its accounts and training for the phones. Inside a Snow AI account, Transcribe, Sign, Ask and Pitch are ones the account may already have, and none is paid for twice. The figures will be set out here, side by side, once pricing is final.
What’s included where
| Capability | Recovery on its own | Inside your Snow AI account |
|---|---|---|
| Creditors, placements, the BAA ruleBuilt | Included | Included |
| Sealed details, masked by default, the access recordBuilt | Included | Included |
| The gate in front of every contactIn build | Included | Included |
| The consumer’s page: notice, dispute, plansIn build | Included | Included |
| Payments, trust ledger, creditor view, Metro 2In build | Included | Included |
| Ask, the family’s AI | For Recovery’s own accounts | The same Ask every app on the account uses, its use pooled |
| Call recordings, written out | Through Transcribe | Included when the account has Transcribe |
| Payment-plan agreements, signed | Through Sign | Included when the account has Sign |
| Secure messages to the consumer | Through the CRM’s secure send, when it is built | Included when the account has the CRM |
| Snow AI sign-in | Opens Recovery | One login for every app on the account |
| Where Recovery stops | Teaching the call: PitchMarketing to many: CampaignsDocuments and letters on file: DocumentsHealth coverage: GetCovered | |
A Snow AI customer never pays for the same thing twice. If your account already has a capability through another Snow AI product, Recovery uses it and doesn’t charge for it again.
Part of Snow AI
Recovery keeps the rules. The family does the rest.
One app in the Snow AI family, on the same sign-in, built to the same HIPAA rules as every other. It hands work to the apps that already do it well.
Pitch trains the call
A course with the collections rules: the disclosure early, the right to dispute kept, and never a threat or a deadline that isn’t real.
About PitchTranscribe writes it down
A recorded call in, its words and timings out, so the record says what was said as well as when.
About TranscribeSign closes the plan
A payment plan the consumer agrees to, signed on their phone, and filed with the account.
About SignAsk answers
Questions about your accounts, answered from what your agency holds, through the family’s Ask, which keeps no copy.
About AskQuestions
Before you start.
Anything else, write to support@snowai.app and a person will answer.
Can I use Recovery today?
Partly. An agency can record its creditors, place accounts, keep the sensitive details sealed and masked, and see who revealed or exported what. The BAA rule runs now. The gate, the consumer’s page, payments, the creditor’s view and credit reporting are in build.
Does Recovery call, text or write to anyone yet?
No. No email, text, call or letter leaves Recovery today. Outbound contact comes with the gate, under the FDCPA and Regulation F, and with the operator’s approval.
What does the gate decide?
Every call, text, email, letter and bureau line asks it first, and it answers allow, hold or block with the reason and the rule. What the software can stop, it stops: calls outside 8am–9pm local time, an eighth call in seven days, a text after she asked for none, collection during an open dispute. What it cannot judge, it warns about and records.
Is this legal advice?
No. Recovery builds the rules into the work so they are hard to break by accident. Your agency’s counsel still sets its policies, and the rules on this page are a summary, not the full text.
How are medical accounts handled?
As health information. A business associate agreement first; the service description sealed and shown only as a word count; the minimum necessary on every screen and letter, with no diagnosis or procedure; and Snow AI HQ sees counts only. States that bar reporting medical debt will be honoured by default.
Who can see an account?
An agency’s members see its creditors and accounts, masked. Its owner and admins can reveal a field for thirty seconds, or export with a reason and a fresh sign-in, and each one is recorded, as is every refusal. Nobody sees another agency’s accounts.
How much does it cost?
Pricing is being set, and no figure is shown until it is final. Inside a Snow AI account, anything the account already has is not charged again.
Collect what’s owed. Keep the rules.
Place your first accounts today, sealed from the start. The gate follows.