What it is:

A fully functional outbound collections voice agent implemented as a single, deterministic phase-based state machine (no LLM). It provides a complete local demo environment (CLI + scenario replay), a FastAPI backend, a Streamlit voice sandbox with real-time TTS, an outbound job queue with compliance checks, JSON persistence for auditability, and 44 unit/regression tests.

Core Design (Deterministic State Machine)

Phase flow

pre_verification → verification → post_verification (negotiation/closing) → ended

• Single entry point: handle_turn() processes every user turn and returns:
  • assistant_text
  • assistant_intent
  • actions[] (side-effect intents for host execution)
  • updated typed call_state
• Voice-first guard: every response is forced through _enforce_voice_first():
  • max 2 sentences
  • max 1 question
  • prevents verbose/rambling voice output

Why a single agent (not multi-agent)

A single agent keeps all compliance-critical control flow in one auditable path and avoids handoff/state-boundary bugs (where sensitive logic could leak across components).

Compliance & Safety Controls

Right-party verification gate (hard code gate)

• Requires a 5-digit ZIP match against account_context.expected_zip.
• Enforced structurally in code, not as a prompt guideline.
• Until verified:
  • no creditor name
  • no balance amount
  • no account details
  • no disclosures beyond minimal identity/verification prompts

No-PII logging