Accounts receivable automation for professional practices before anything goes to collections.

Sorts replies to reminders into "paid already", "wants a plan", "disputes the bill" and "other", and drafts a response from the account's real ledger. Limits: a person sends every reply; disputes always go to staff and pause the reminder sequence.

Suggests a plan, a call or a write-off for each 60+ day account based on its history and your past outcomes. Limits: it suggests; the owner decides. It never refers an account to an agency on its own.

The federal FDCPA and Regulation F apply to debt collectors. A creditor collecting its own debts in its own name is generally outside that definition, but it is covered if it uses a name suggesting a third party is collecting. Reminders therefore always go out in the practice's own name. Some states go further: California's Rosenthal Act reaches creditors collecting their own consumer debts. 15 U.S.C. 1692a(6); 12 CFR 1006.2; Cal. Civ. Code 1788.2.

Automated texts to mobile numbers need prior express consent; marketing texts need prior express written consent, and people can revoke consent by any reasonable means. The system records consent and opt-outs per number and keeps reminder texts free of promotions. 47 CFR 64.1200. Not legal advice.

Dental practices that bill electronically are usually HIPAA covered entities. In this edition, reminders carry no clinical detail - only the practice name, a balance and a secure link - and no patient information goes over WhatsApp. HIPAA-covered workflows are scoped separately, with a BAA and HIPAA-eligible hosting. Veterinary, law and CPA practices are not HIPAA covered entities. HHS - Covered entities.

Lawyers must keep client and third-party funds separate from the firm's own property. Invoice payments and retainer deposits can be routed to different bank accounts, so an advance fee never lands in operating by default; the firm confirms the setup with its state bar rules. ABA Model Rule 1.15.