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Sometimes things slip through. If already sent, disregard.\n\nPayment options: [link/details]\n\n### Letter 2 — Firm Follow-Up (Day 15-21)\nSubject: Invoice [#] — Second Notice\n\nFollowing up on invoice [#] for [amount], now [X] days past due. Please arrange payment by [date] to avoid late fees per our agreement.\n\n### Letter 3 — Escalation Notice (Day 30-45)\nSubject: Invoice [#] — Action Required\n\nInvoice [#] for [amount] is now [X] days overdue. Per our terms, a [X]% late fee of [amount] has been applied. Total now due: [amount].\n\nIf we don't receive payment by [date], we'll need to escalate this matter.\n\n### Letter 4 — Pre-Collection (Day 60)\nSubject: Invoice [#] — Final Notice Before Collection Action\n\nThis is formal notice that invoice [#] totaling [amount] remains unpaid after [X] days. Without payment by [date], this account will be referred to our collection partner.\n\nThis may affect your business credit rating.\n\n### Letter 5 — Final Demand (Day 75-90)\nSubject: Invoice [#] — Final Demand\n\nFinal notice. Invoice [#] for [amount] will be referred to [collection agency/legal counsel] on [date] if not resolved. Contact us immediately to discuss resolution options.\n\n## Aging Bucket Analysis\n\n| Bucket | Days | Priority | Action | Expected Recovery |\n|--------|------|----------|--------|-------------------|\n| Current | 0-30 | Low | Auto-reminder | 95-98% |\n| 31-60 | 31-60 | Medium | Phone + email | 85-90% |\n| 61-90 | 61-90 | High | Escalation letter | 70-75% |\n| 91-120 | 91-120 | Critical | Collection agency | 40-50% |\n| 120+ | 120+ | Write-off review | Legal/write-off | 15-25% |\n\n## Priority Score Formula\nScore = (Amount × 0.4) + (Days Overdue × 0.3) + (Customer Value × 0.2) + (Payment History × 0.1)\n\n- Score > 80: Immediate personal outreach\n- Score 50-80: Escalation sequence\n- Score < 50: Standard auto-sequence\n\n## Payment Plan Framework\n\nFor debts over $5,000, offer structured plans:\n\n| Plan | Duration | Interest | Min Payment | Best For |\n|------|----------|----------|-------------|----------|\n| Quick | 3 months | 0% | 33% of balance | Good-faith debtors |\n| Standard | 6 months | 5% APR | ~17% + interest | Mid-range balances |\n| Extended | 12 months | 8% APR | ~9% + interest | Large balances |\n| Hardship | 18 months | 0% | Negotiated | Proven inability to pay |\n\n## FDCPA Compliance Checklist (US)\n- [ ] Initial validation notice sent within 5 days of first contact\n- [ ] Debtor's right to dispute within 30 days clearly stated\n- [ ] No contact before 8 AM or after 9 PM local time\n- [ ] No contact at workplace if debtor objects\n- [ ] No threats of actions you can't/won't take\n- [ ] No misrepresentation of amount owed\n- [ ] No harassment, oppression, or abuse\n- [ ] Cease communication upon written request (except legal notices)\n- [ ] Mini-Miranda warning included in all communications\n\n## Statute of Limitations by State (Top 10)\n| State | Written Contract | Oral Contract | Open Account |\n|-------|-----------------|---------------|--------------|\n| California | 4 years | 2 years | 4 years |\n| New York | 6 years | 6 years | 6 years |\n| Texas | 4 years | 4 years | 4 years |\n| Florida | 5 years | 4 years | 4 years |\n| Illinois | 10 years | 5 years | 5 years |\n| Pennsylvania | 4 years | 4 years | 4 years |\n| Ohio | 8 years | 6 years | 6 years |\n| Georgia | 6 years | 4 years | 4 years |\n| Michigan | 6 years | 6 years | 6 years |\n| North Carolina | 3 years | 3 years | 3 years |\n\n## Bad Debt Write-Off Decision\n\nWrite off when ALL of these are true:\n1. Account is 180+ days past due\n2. All collection attempts exhausted (minimum 5 contacts)\n3. Skip tracing returned no viable contact\n4. Amount is below legal action threshold (typically < $5,000)\n5. Cost of recovery exceeds expected recovery amount\n\n## ROI of Professional Collections\n- In-house collection cost: $15-25 per account\n- Agency contingency: 25-50% of recovered amount\n- Legal action: $500-2,000 per case + court fees\n- Break-even: Agency makes sense when balance > $1,000 and account is 90+ days\n\n---\n\n## Take It Further\n\nThis skill gives you the collection framework. For full industry-specific automation — including AI-powered payment reminders, predictive churn scoring, and automated escalation workflows:\n\n- **[AI Context Packs](https://afrexai-cto.github.io/context-packs/)** — $47/pack, 10 industries covered\n- **[AI Revenue Leak Calculator](https://afrexai-cto.github.io/ai-revenue-calculator/)** — Find where you're losing money\n- **[Agent Setup Wizard](https://afrexai-cto.github.io/agent-setup/)** — Deploy your first AI agent in 15 minutes\n\n### Bundle Deals\n- Pick 3 Packs — $97 (save $44)\n- All 10 Packs — $197 (save $273)\n- Everything Bundle — $247 (all packs + playbook + setup wizard)\n","readmeExcerpt":"Debt Collection & Recovery Playbook Generate compliant debt recovery strategies, collection letter sequences, and payment plan frameworks. 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