SYSTEM AND METHOD FOR COLLECTIONS ON DELINQUENT FINANCIAL ACCOUNTS

摘要

A computer-implemented method for selecting a financial services collection program to be applied to a delinquent debtor account. First, an ability to pay index (API) is computed (31) as a function of one or more predetermined ability to pay indicators for the debtor. Next, a willingness to pay index (WPl) is computed (32) as a function of one or more predetermined willingness to pay indicators for the debtor. One of a plurality of predetermined collection programs to be offered to the debtor is then selected as a function of each of the API and the WPL. The WPl is computed by evaluating one or more of a past action taken by the debtor or a past status of the debtor account (705).