MERIDIAN RECOVERY GMBH
Account#A-4471
Balance$4,860
Settle today for$2,380
SCAN TO SETTLE
no call required
For collection agencies & creditors
Settlement calls are where deals die. Send a link instead.
Put a Negolio settlement link on every demand letter. Debtors scan, make an offer, and settle — calmly, at their own pace, at 2am if that's when they're ready. Your AI assistant negotiates every account within limits you sign once.
The problem
Recovery dies on the phone.
Every collector knows the math: an account that talks is an account that pays. But phone-first settlement has a ceiling —
Debtors don't answer collectors.
The channel is adversarial before a word is spoken.
One human, one account, office hours.
A negotiator's day caps your book.
The “agreement” is retyped later.
Disputes about what was actually agreed are routine — and expensive.
Meanwhile the debtor who would settle — tonight, quietly, on their phone — has no way to do it.
How it works
One link per account. One mandate for the book.
1
Create settlement links
Each account gets its own link — balance, opening figure, plan terms, the clauses that matter. Put the link or its QR on the letters, SMS and email you already send.
2
Sign your bounds once
One passkey-signed mandate for the book: lump-sum floor, what a plan must clear, what you'll concede to close. Enforced by the server — your assistant can't go below it. Not “probably won't.” Can't.
3
Your assistant settles while you sleep
Every debtor who opens a link starts a structured negotiation. Your AI counters, holds the floor, offers the plan when they stall — hundreds of accounts in parallel, around the clock.
4
Every settlement is provable
Agreement → both sides confirm → a hash-verifiable, passkey-signed record with a public verify page and a PDF. If it's ever disputed, either side proves exactly what was agreed.
Why response rates change
The debtor gets dignity. You get engagement.
No call. No hold music. No pressure script. They scan the QR, see the account and the offer in plain terms — counter, propose a plan, sleep on it. Nobody is listening in, and nobody raises their voice.
People avoid collectors; they don't avoid a calm page at 2am that offers a way out. Meeting a debtor where they are isn't softness — it's yield.
Today vs. Negolio
Why this beats the letter you send today.
Call scripts, voicemail, no answer
A link they open when they're ready
One negotiator, one account, office hours
Your assistant on every account, 24/7
Terms retyped into a letter afterwards
Terms agreed item-by-item, in the record
“That's not what we agreed”
A sealed, hash-verifiable, signed record
Settlement authority in someone's head
A signed mandate the server enforces
Where we stand
Built to be the venue, not the collector.
Negolio is negotiation infrastructure. You remain the creditor or collector of record — your accounts, your terms, your communications, your regulatory obligations. Negolio provides the structured negotiation, the enforced mandate, and the verifiable record of what was agreed. Settlement funds move through your existing payment channels — Negolio never holds the money.
Passkey-signed mandates — enforced server-side, not by promiseCanonical SHA-256 sealed records with public verificationPer-account links with branded QR, generated for youDebtors need no account until they actWorks with the letters and SMS you already send
FAQ
The questions agencies ask.
Do debtors need the app?
No. The link opens in any browser. They create a lightweight account only when they act on the offer — that's also what makes the sealed record attributable.
What stops the AI from settling too low?
The mandate. You sign your floor with a passkey; the server rejects any move outside it. The assistant negotiates within your authority — it has none of its own.
What do we get when an account settles?
A sealed settlement record: every agreed term, canonically serialized, hashed, passkey-signed by the parties, with a public verify URL and a PDF for your file.
How do we load a portfolio?
Pilot onboarding is CSV-shaped: reference, balance, opening offer, floor. Each account becomes a link + QR for your outbound. Talk to us — this is what the pilot is for.
What does it cost?
Per engaged account — you pay when a debtor actually starts negotiating, not per letter sent. Pricing is pilot-stage: book a call.
Put a settlement link on your next letter batch.
We'll set up your first portfolio with you — links, QR codes, your signed mandate — and you watch accounts settle themselves.