> For the complete documentation index, see [llms.txt](https://docs.moderncollections.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.moderncollections.io/introduction.md).

# Introduction

Modern Collections is an AI-native B2B commercial debt collections platform. We collect on overdue invoices using an AI voice agent, an AI email engine, and a compliance engine that gates every outreach decision against state-level rules and federal statute.

This portal is your integration surface:

<table data-card-size="large" data-view="cards"><thead><tr><th></th><th></th><th></th><th data-hidden data-card-target data-type="content-ref"></th></tr></thead><tbody><tr><td><h4>📡 REST API</h4></td><td>Place invoices, track outreach, reconcile payments, and pull analytics. The integration most creditor partners use today.</td><td></td><td><a href="/pages/SvxKtLd1cXdaAoRYh5xM">/pages/SvxKtLd1cXdaAoRYh5xM</a></td></tr><tr><td><h4>🤖 MCP Servers</h4></td><td>A Model Context Protocol server so AI agents can call into the platform with typed, scoped tools.</td><td></td><td><a href="/pages/3W3EFISusieQhESLBVjv">/pages/3W3EFISusieQhESLBVjv</a></td></tr></tbody></table>

## Who this is for

* **Creditor partners' engineering teams** integrating their accounts-receivable system into our platform.
* **AI-agent builders** writing agents that need to file, track, or act on collections placements.
* **First-party SaaS customers** running our platform on their own debtors.

If you're a non-technical operations user looking for "how do I do X in the dashboard," head to the [Help Center](https://help.moderncollections.io) instead.

## Start here

<table data-view="cards"><thead><tr><th></th><th></th><th data-hidden data-card-target data-type="content-ref"></th></tr></thead><tbody><tr><td><h4>🔑 Get an API key</h4></td><td>Issued via the self-serve onboarding wizard once verification clears, or minted by an admin on approval; the plaintext is shown exactly once.</td><td><a href="/pages/p9Pfe0dPnmihU8VKAUGB">/pages/p9Pfe0dPnmihU8VKAUGB</a></td></tr><tr><td><h4>▶️ Make your first call</h4></td><td><code>curl</code> against your provisioned environment.</td><td><a href="/pages/JhCVXmM0Lu6nMgib4782">/pages/JhCVXmM0Lu6nMgib4782</a></td></tr><tr><td><h4>🌐 Understand environments</h4></td><td>Production and demo base URLs, and how to point your client at each.</td><td><a href="/pages/QtGBc6eeAxAUDMAtY3ZK">/pages/QtGBc6eeAxAUDMAtY3ZK</a></td></tr><tr><td><h4>⚡ MCP quickstart</h4></td><td>Add our MCP server to Claude Desktop or Cursor and create a placement from an agent.</td><td><a href="/pages/1SbN9WpwLMPHN3LtiZ5R">/pages/1SbN9WpwLMPHN3LtiZ5R</a></td></tr></tbody></table>

## Core concepts

* **Placement** — one overdue invoice we're collecting on. The root entity of the API.
* **Debtor** — the company owing the invoice. Many placements may exist per debtor over time.
* **Compliance decision** — a time-bounded, per-placement determination of what outreach is permitted. Re-evaluated before every outreach action.
* **Audit event** — every meaningful state transition writes an immutable audit row. The API exposes this timeline.
* **Webhook** — outbound HTTPS POSTs we send to your registered URL whenever something interesting happens on a placement.

## Conventions

* All timestamps are **UTC ISO-8601** strings.
* Amounts are **decimal USD** in API request and response bodies (`7500.00`) — except Stripe-adjacent fields (payment attempts, portal payment intents), which use integer `amount_cents`.
* All resource IDs are **UUIDs**. They are not sequential — treat them as opaque.
* All API endpoints are versioned under `/v1/` (the unauthenticated `/health` probes are the exception). We commit to additive-only changes within v1; breaking changes will ship as `/v2/…`.

## Need help?

See [contact support](https://help.moderncollections.io/troubleshooting/contact-support) in the Help Center.

***

{% hint style="info" %}
**Disclaimer.** Material in the [Compliance for Integrators](/compliance-for-integrators/overview.md) section is informational only and is not legal advice. Engage your own counsel before launching any integration that triggers debtor outreach.
{% endhint %}


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter:

```
GET https://docs.moderncollections.io/introduction.md?ask=<question>&goal=<endgoal>
```

`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal.

The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.