Abstract: A method of optimizing debt collection attitudinally classifies debtors into one of several attitudinal segments. The approach uses an assessment of current attitudes rather than past behaviors as to predict future behavior. Each segment can be addressed with an offer, which is a combination of attributes which together, have an expected, measurable, and predictable response from the debtor. Debt collection requires the expenditure of resources, at least one of which the availability of a relatively small number of debt collectors. The offers that can be extended to debtors are identified on a debtor-by-debtor, offer-by-offer basis to identify the best offer to propose to each debtor by the limited number of debt collectors in order to maximize the economic return from all debtors.

Abstract: A method of improving debt collection from a debtor acquires pertinent debtor information in real time or near-real-time. Newly acquired debtor information is used in a debt collection decision procedure which determines the appropriate debt collection strategy to use with a debtor based upon the most recently acquired information. A preliminarily used debt collection procedure can be adapted or modified in real time, or on-the-fly, using the most up-to-date information, which is typically best acquired during a debt collection process.

Abstract: A method of improving debt collection from a debtor acquires pertinent debtor information in real time or near-real-time. Newly acquired debtor information is used in a debt collection decision procedure which determines the appropriate debt collection strategy to use with a debtor based upon the most recently acquired information. A preliminarily used debt collection procedure can be adapted or modified in real time, or on-the-fly, using the most up-to-date information, which is typically best acquired during a debt collection process.

Abstract: A method of optimizing debt collection attitudinally classifies debtors into one of several attitudinal segments. The approach uses an assessment of current attitudes rather than past behaviors as to predict future behavior. Each segment can be addressed with an offer, which is a combination of attributes which together, have an expected, measurable, and predictable response from the debtor. Debt collection requires the expenditure of resources, at least one of which the availability of a relatively small number of debt collectors. The offers that can be extended to debtors are identified on a debtor-by-debtor, offer-by-offer basis to identify the best offer to propose to each debtor by the limited number of debt collectors in order to maximize the economic return from all debtors.