How is AI transforming debt collection in the US and Canada — and what challenges and opportunities lie ahead?

In this episode of Better Debt, InDebted CEO & Founder Josh Foreman is joined by Dave Hanrahan (CEO & Co-founder, Kredit), Tony Pampena (President, CBV Collection Services & 2nd VP, RMA Canada), and Mike Zhou (VP Data & AI, InDebted) to explore how AI is reshaping contact strategies, compliance, and performance across North America.

They discuss:

• Apple’s iOS 26 AI call screening and what it means for declining right-party contact rates in voice-heavy strategies
  
  
  
• The rise of AI voice agents and how hybrid human-AI models are driving efficiency and better customer engagement
  
  
  
• Practical use cases for predictive analytics to improve segmentation, timing, and repayment outcomes
  
  
  
• The role of omnichannel outreach — SMS, email, and voice — in building trust and adapting to shifting consumer preferences
  
  
  
• Guardrails for responsible AI adoption, from internal governance frameworks to explainability and QA
  
  
  
• How regulation is lagging behind in both the US and Canada — and what operators can do now to stay ahead
  
  
  
• The future of collections talent: how roles will evolve as AI takes over routine tasks, freeing teams to focus on higher-value work

Welcome to the Better Debt Series, where — you guessed it — we’ll be talking all things related to making debt collection better.

How is AI reshaping debt collection in Australia and New Zealand — and what can global creditors learn from it?

In this episode of Better Debt, InDebted CEO & Founder Josh Foreman is joined by Adele Megdyatyova (Head of Performance & Analytics at InDebted) and Daniel Wirjo (Solutions Architect at AWS) to explore how AI-powered collections and digital-first strategies are transforming customer engagement in ANZ.

They discuss:

• Apple’s iOS 26 call screening feature and what it means for declining right-party contact rates
• Why omnichannel debt collection is critical for effective, compliant customer engagement
• How voice AI enables 24/7, multilingual conversations that reshape the customer experience in debt collection
• The difference between inbound and outbound AI voice — and the “breadth vs depth” challenge
• Using AI-powered debt collection models to personalise outreach and improve conversion
• Compliance guardrails and designing trustworthy debt collection solutions
• The future of empathetic, scalable collections: AI co-pilots, A/B testing conversations, and bold predictions for 2026

Welcome to the Better Debt Series, where — you guessed it — we’ll be talking all things related to making debt collection better.

How is the Canadian collections landscape evolving? And what can global creditors learn from it?

In this episode of Better Debt, InDebted CEO Josh Foreman is joined by Kevin Pretty (Strategic Account Executive, Equifax Canada; President of RMA Canada) and Blair DeMarco-Wettlaufer (CEO, Kingston Data and Credit; Executive Director, RMA Canada) to explore the unique trends, challenges and opportunities in Canada’s collections sector.

They discuss:

• Pressures facing collectors in 2025 — from economic volatility to consumer engagement and iOS 26 call screening
  
  
  
• The rise of digital-first collections strategies and what’s holding back adoption of AI
  
  
  
• How Canada’s unique regulatory and cultural environment differs from the US, and why that matters
  
  
  
• The role of RMA Canada in helping members navigate regulation, professional development, and industry collaboration
  
  
  

Welcome to the Better Debt Series, where — you guessed it — we’ll be talking all things related to making debt collection better.