Debt collection practices
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United States of America Patent
Stats
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Jul 22, 2008
Grant Date -
Apr 24, 2003
app pub date -
Nov 5, 2001
filing date -
Oct 12, 2001
priority date (Note) -
In Force
status (Latency Note)
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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.
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