We send an AVM, SMS or USSD message to a debtor asking them to reply “ yes” if they would like to make a payment. In doing so we offer the debtor incentives / discounts / vouchers / free airtime. The debtor can now reply at any time of the day or night from the comfort of his home. The payment can immediately be made on the customer ’s cell-phone or be scheduled for a later date. Using the Collect IQ interactive platform has increased response rates by 75% 38% of debtors replied. 30% of debtors made a successful payment.