Afrexai Debt Collection

# Debt Collection & Recovery Playbook

Generate compliant debt recovery strategies, collection letter sequences, and payment plan frameworks.

## What This Does
- Creates FDCPA/FCA-compliant collection letter sequences (initial notice → escalation → final demand)
- Builds payment plan calculators with interest modeling
- Generates aging bucket analysis with priority scoring
- Produces skip tracing checklists and debtor communication scripts
- Maps state-by-state statute of limitations
- Creates bad debt write-off decision frameworks

## How To Use

Tell the agent what you need:
- "Generate a 5-letter collection sequence for B2B invoices"
- "Build a payment plan for $47,000 over 12 months at 8% APR"
- "Create an aging analysis for our receivables"
- "What's the statute of limitations for debt in California?"

## Collection Letter Sequence

### Letter 1 — Friendly Reminder (Day 1-7 past due)
Subject: Invoice [#] — Payment Reminder

Quick note — invoice [#] for [amount] was due on [date]. Sometimes things slip through. If already sent, disregard.

Payment options: [link/details]

### Letter 2 — Firm Follow-Up (Day 15-21)
Subject: Invoice [#] — Second Notice

Following up on invoice [#] for [amount], now [X] days past due. Please arrange payment by [date] to avoid late fees per our agreement.

### Letter 3 — Escalation Notice (Day 30-45)
Subject: Invoice [#] — Action Required

Invoice [#] for [amount] is now [X] days overdue. Per our terms, a [X]% late fee of [amount] has been applied. Total now due: [amount].

If we don't receive payment by [date], we'll need to escalate this matter.

### Letter 4 — Pre-Collection (Day 60)
Subject: Invoice [#] — Final Notice Before Collection Action

This 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.

This may affect your business credit rating.

### Letter 5 — Final Demand (Day 75-90)
Subject: Invoice [#] — Final De...

# Debt Collection & Recovery Playbook

FDCPA-compliant collection letter sequences, payment plan frameworks, aging analysis, and bad debt write-off decision tools.

**Zero competition on ClawHub for "debt collection".**

## Features
- 5-letter collection sequence (friendly → final demand)
- Aging bucket analysis with priority scoring
- Payment plan calculator (4 tiers)
- FDCPA compliance checklist
- Statute of limitations reference (top 10 US states)
- Bad debt write-off decision framework
- Recovery ROI calculator (in-house vs agency vs legal)

## Use Cases
- B2B accounts receivable teams
- Small business owners chasing invoices
- Finance teams automating collection workflows
- Fractional CFOs managing client AR

## Related Tools
- [AI Context Packs](https://afrexai-cto.github.io/context-packs/) — $47/pack, 10 industries
- [Revenue Leak Calculator](https://afrexai-cto.github.io/ai-revenue-calculator/)
- [Agent Setup Wizard](https://afrexai-cto.github.io/agent-setup/)

Built by [AfrexAI](https://afrexai-cto.github.io/context-packs/) 🖤💛