About ZeroBalanz

Better Decisions at the Hardest Moment.

Debt resolution is not simply a call-volume problem. It is a decision problem—how to reach the right account, understand the situation and identify a realistic path that fits both the consumer and the creditor’s approved policy.

Founding Team

Built by Operators Who Know the Work.

ZeroBalanz brings together decades of experience across debt collection operations, enterprise technology and artificial intelligence.

01 / Industry & Strategy

President

Michael Zoldan

Debt Industry & Technology Executive

Michael Zoldan brings together deep experience in debt markets and enterprise technology. He is President of ZeroBalanz and President of Debt Sales Partners, the debt buying and brokerage firm he founded in 1999. His background gives him a practical understanding of portfolio owners’ needs and the technology required to modernize debt resolution.

Previously, Michael served as a principal at Whittman-Hart, Director of Technology and Information Systems for the Cleveland Indians, and Division Vice President at Computer Associates International. He holds a B.S. in Computer Information Science from The Ohio State University.

Debt Sales PartnersEnterprise TechnologyDebt Markets

02 / AI & Technology

Chief Technology Officer

Mike Bozeman

Applied AI & Technology Leadership

Mike Bozeman leads AI and technology strategy at ZeroBalanz, focused on turning advances in artificial intelligence into practical, scalable debt-resolution capabilities. His work brings together conversational AI, intelligent automation and portfolio data to help voice agents understand context, make consistent decisions and operate within approved policies.

Previously Chief Technology Officer at Dominion DMS, Mike also brings experience running major digital portals, including ForRent.com and Homes.com. That background in enterprise software and large-scale platforms informs his approach to AI: build for real operating environments, connect intelligence to execution and measure success through business outcomes. At ZeroBalanz, he applies that approach across the full resolution journey—from the first conversation through follow-up and completion.

Applied AIIntelligent AutomationEnterprise Platforms

Operating Principles

What We Refuse to Compromise.

The product direction is intentionally demanding: complete autonomy must still be bounded, visible and accountable.

Completion Over Promises

The best agreement is not the largest promise captured. It is the resolution the consumer can realistically complete.

Policy Becomes Behavior

Approved contact, disclosure, negotiation and stop rules should guide the system during every interaction.

Evidence Over Assumption

Conversation records, decision context and payment outcomes should make performance and exceptions reviewable.

Build the Proof Before Building the Scale.

ZeroBalanz begins with a focused three-month program designed to validate resolution quality, compliance controls and portfolio economics.

Explore the Pilot