Stop Chasing.
Start Collecting.
The AI-powered collection platform for freelancers and small businesses. Whether someone owes you $500 or $50,000 — upload the invoice and let AI chase your payment automatically.
Meet Cobro
Your AI Collection Assistant
Cobro is your personal AI agent that lives inside the platform. It doesn't just answer questions — it takes action. Create invoices, send demand letters, check analytics, and manage your entire collection operation through simple conversation.
Cobro
Send a demand letter to ABC Corp for the $4,500 they owe me
Done! I sent a formal demand letter to [email protected] for the $4,500 outstanding balance. The letter was sent from Xavier Rojas (your Opener bot). I'll track the response and notify you when they reply.
Talk to it. It does the work.
No menus. No buttons. Just tell Cobro what you need and watch it happen in real-time. Every action is shown step-by-step so you always know what's happening.
Create & Manage
Upload invoices, search debtors, and organize your portfolio — just by asking.
Send & Collect
Generate and send demand letters, trigger SMS/voice outreach with a single message.
Analyze & Report
Get real-time analytics, collection stats, and portfolio health — instantly.
Strategize & Advise
Get AI-powered recommendations on next steps, FDCPA compliance, and escalation timing.
Available on Starter, Professional, and Enterprise plans. Powered by OpenAI.
Your Entire Collection
Arsenal in One App
Everything you need to recover unpaid invoices — from automated AI outreach to professional escalation — whether the debtor is a business or an individual.
Public Debt Accountability
Automated Multi-Channel Outreach
Three Steps to
Getting Paid
No lawyers. No waiting months. Upload your invoice, let AI do the work, and collect — whether the debtor is a business or an individual.
Upload Your Invoice
Snap a photo or upload a PDF of the unpaid invoice. Our OCR extracts all the details — debtor name, amount owed, due date, and contact information. Works for any type of debt.
AI Takes Over
Our 5 AI collection bots launch automated demand sequences — emails, SMS, and voice calls — escalating in tone over time. You tell us if the debtor is a business or individual, and we tailor the approach accordingly.
Get Paid
Most debtors respond within days of AI outreach. If they don't, one tap escalates the account to a professional human collection agency — no paperwork, no hassle.
Two Paths. One Platform.
After you upload your invoice, we tailor the collection strategy based on who owes you.
Business Owes You
Full collection arsenal
- AI bots send demand emails, SMS & calls
- Public Exposure Hub listing (Google-indexed)
- Automated escalating demand letters
- Payment plans & Quick Resolve portal
- One-tap escalation to human agency
Individual Owes You
FDCPA-compliant collection
- AI bots send demand emails, SMS & calls
- Automated escalating demand letters
- Voice call outreach via Twilio
- Payment plans & Quick Resolve portal
- One-tap escalation to human agency
Consumer debts are never publicly exposed — protected under the FDCPA.
Bonus for Business Debts:
Public Exposure
When a business owes you money, you get an extra weapon: public accountability. Every listing is reviewed by a human before publication to ensure only legitimate commercial accounts are exposed.
Commercial Accounts Only
The Exposure Hub is exclusively for unpaid debts between businesses. Consumer debts (owed by individuals) are protected under the FDCPA and are never eligible for public exposure. If someone owes you personally, our AI bots, demand letters, and escalation tools still work for you — just without public listing.
Upload Invoice
Submit the unpaid invoice with supporting documentation — contract, purchase order, or proof of delivery.
Confirm Commercial Account
Verification GateYou'll be asked whether the debtor is a business or individual. Only B2B (business-to-business) debts qualify for public exposure.
Human Verification
Verification GateEvery exposure request is reviewed by our team to verify the debtor is a registered business entity. We check documentation, business registration, and claim validity before anything goes public.
Published to Exposure Hub
Once approved, the commercial debt is listed on the public Exposure Hub — searchable and indexed by Google. The business debtor is notified immediately.
AI Bots Begin Outreach
Our 5 AI collection bots launch automated demand sequences — emails, SMS, and voice calls — escalating in tone over time. Each bot has a unique personality and strategy.
Debtor Responds or Pays
The business debtor can view their listing, dispute the claim, negotiate a payment plan, or pay to have the listing removed. You're notified at every step.
Human-Verified Listings
No Consumer Debts Exposed
Fully Compliant Process
See How Much You
Could Recover
Enter your unpaid debt details and see the estimated recovery, time saved, and cost comparison versus a traditional collection agency.
Estimated Recovery Rate: 60%
Moderate aging — AI pressure is most effective here
Estimated Recovery
out of $50,000 total debt
You Keep (with us)
$27,000
You Keep (traditional)
$18,000
Your Savings vs Traditional Agency
Extra Money
+$9,000
Hours Saved
40h
Avg. Resolution
21d
Start Free.
Scale When Ready.
Upload your first invoice and send a demand letter for free. Upgrade when you need more power — works for both consumer and business debts.
Free
Upload one invoice and send a demand letter — completely free. No credit card required.
- 1 invoice upload
- 1 AI demand letter
- 1 B2B exposure listing
- Debtor search engine
- Basic dashboard
Starter
Essential tools for freelancers and small businesses to start collecting unpaid debts.
- Up to 3 invoices
- Unlimited demand letters
- Email sequences
- Debtor search engine
- Basic analytics dashboard
- 1 collection plan
Professional
Full-featured collection platform with public exposure (B2B) and predictive analytics.
- Up to 15 invoices
- Everything in Starter
- Exposure Hub access (B2B only)
- Predictive analytics
- Compliance audit trail
- Up to 10 collection plans
Enterprise
Full AI-powered collection army with voice calls, SMS, and dedicated resources.
- Unlimited invoices
- Everything in Professional
- 5 AI collector bots
- AI voice calls (Twilio)
- SMS outreach campaigns
- Dedicated phone number
- Bot mission control
- Unlimited collection plans
- Priority support
All plans support both consumer and business debt collection. Exposure Hub is available for B2B debts only. Paid plans billed monthly. Cancel anytime.
How People
Recover What's Owed.
See how contractors, freelancers, landlords, and small businesses use UnpaidInvoice to collect on unpaid debts faster — whether the debtor is a business or an individual.
A commercial client owed an electrical contractor $12,000 for completed work. After posting the invoice to the Exposure Hub, the debtor business settled within 48 hours to protect their commercial reputation.
Freelancers and small agencies spend up to 20% of their time chasing payments from clients — both businesses and individuals. With AI-powered collection bots handling outreach, they focus on revenue-generating work instead of follow-ups.
A property manager was owed $3,200 in unpaid rent from a former tenant. AI demand letters via email and SMS, combined with an automated payment plan offer, resulted in full payment within 3 weeks — no public exposure needed.
Illustrative examples based on common collection scenarios. Individual results may vary.
Common
Questions
Everything you need to know about using UnpaidInvoice to recover your money — whether it's from a business or an individual. Can't find what you're looking for? Contact us at [email protected]
Ready to Get
What You're Owed?
Upload your first invoice and let AI start collecting — completely free. No credit card required. Works for both consumer and business debts.
Free tier includes 1 invoice upload + 1 demand letter. Paid plans from $50/month. Works for consumer and business debts.