RCV-8821ReceivableUSNet 30via email

Larkspur Events Co.

Events · INV-2026-03556

At stake

$9,800.00

Expected recovery under this decision $196.00

Ageing

141 days past due

Fell due 13 April 2026

Engine decision

To a humanHigh confidence

Weighed score 85. Receivables have no single floor — the ladder is driven by propensity, ageing and consent.

The engine’s working

Streamed as it happens. Real timings are scaled down so the run is watchable.

·Idle. The decision below is already computed; running replays how it was reached.

Step 1 — the facts it extracted4 signals from 5 records

For acting now

Propensity to settle unaidedPROPENSITYcited
Payment behaviour scores 2 of 100 on 3 settled invoices, with a median pay lag of 88 days after terms and a spread of 15 days.
Propensity to settle unaided, inverted into intervention pressure · traced to EV-8821-02
+24

Against it

Relationship guard appliesRELATIONSHIP_GUARD
Lifetime value of $52,000.00 across 14 months exceeds your $50,000.00 guard, and 0 orders are currently open.
Lifetime value guard · traced to EV-8821-05
-8

Context

Past duePAST_DUE
Invoice INV-2026-03556 for $9,800.00 fell due on 13 April 2026, 141 days ago.
Invoice ageing: over 60 days · traced to EV-8821-01
+22
Contact headroom remainsCONTACT_HEADROOM
4 of the permitted 7 contact attempts in the trailing seven days have been used.
Contact frequency governance · traced to EV-8821-03
+0

Step 2 — the position it takesnone

Why nothing is being sent

Propensity to settle unaided is 2 of 100 and the invoice is inside the window where contact costs more than it returns.

PROPENSITY

Exhibits attached

Step 3 — self-checkReleased

Every assertion in this artifact resolves to a record on the case. Nothing withheld.

digest 9f9f16c8f7fc252a · the same case always produces this digest

The record5 items

InvoiceEV-8821-01
QuickBooks · INV-2026-03556 · captured 14 Mar 2026
amount_minor
980000
currency
USD
terms
Net 30
Payment history, 24 monthsEV-8821-02
QuickBooks · cust_LK-2201 · captured 01 Sept 2026
rows
2026-02-13|2026-05-30|620000;2026-01-13|2026-04-11|540000;2025-12-13|2…
invoices_paid
5
invoices_written_off
2
partial_payments
3
Contact attempts, trailing 7 daysEV-8821-03
Setliva · log_LK-2201 · captured 01 Sept 2026
attempts_last_7_days
4
last_contact_at
2026-08-30T10:00:00Z
last_channel
email
responded
false
consecutive_no_response
11
Channel consentEV-8821-04
Setliva · consent_LK-2201 · captured 20 Jan 2025
whatsapp
false
voice
true
sms
false
email
true
Account profileEV-8821-05
Salesforce · acct_LK-2201 · captured 01 Sept 2026
lifetime_value_minor
5200000
relationship_months
14
open_orders
0
timezone
America/Denver

Propensity to settle unaided2/100

Base rate Starting position before any account evidence.	+50
Median pay lag Settles a median 88 days after terms.	-22
Consistency Pay timing varies by 15 days across invoices.	+0
Write-offs 2 prior invoices were written off on this account.	-16
Responsiveness 11 consecutive contact attempts went unanswered.	-15
Part-payment pattern Settles in instalments more often than in full — expect a plan, not a payment.	-4

Days-past-due is deliberately not an input. Lateness is a property of the invoice; this is a property of the payer.

Your decision

Audit trail2 events

case.evaluated08:54:00
4 signals extracted; digest 9f9f16c8f7fc252a
7ace01748751ec37b5f54605…
decision.scored08:54:01
score 85 gives escalate_human
c4fc642cd51c233b974a9c8c…