Yes, as the leading credit union and bank collection software, phone integration is a critical requirement. CARM-Pro allows delivering an Intelligent Banking Solutions pre-recorded or client custom recorded voice message to a client defined set of debtors at a client configured day and time. This outbound message delivery can also be an email, an SMS or a traditional letter. Collectors can also “click dial” any debtor number. Collectors can record any phone call. Supervisors can listen into calls.