I. The Objective: Battlefield Assessment

This is the target, as dissected by the Debt Catalyst™ protocol.

• Total Accounts: 28,318
• Total Balance: $9,596,583
• Average Balance: $339
• Projected Liquidation : $340,000
• Creditor Risk Score: 63 (High)

Initial Assessment: A high-volume, low-balance portfolio with significant creditor risk. The client's chaotic internal process was a guaranteed failure. The mandate was to deploy a superior protocol that could achieve the objective.

II. The Battle Plan: The Bifurcated Assault

Amateurs use a single strategy for an entire portfolio. I execute a multi-front war. Debt Catalyst™ architected a sophisticated, phased campaign to maximize ROI by applying the right pressure to the right assets at the right time.

Phase 1: The Initial Strike (Currently Underway | Months 1-3)

The Surgical Strike: The top 24% of accounts—those with a Debtor Quality Index (DQI) score above 60—were placed with a specialist hybrid manual agency for high-touch, intensive recovery.

The Digital Sweep: The remaining 76% of the portfolio was placed with a low-cost, high-efficiency digital-first agency to capture the willing payers with minimal operational cost.

Phase 2 & 3: The Command Decision & Final Assault (Forthcoming)

After 90 days, all non-performing accounts will be recalled. We will analyze the new behavioral data, re-score the remaining assets, and place the high-priority targets with our specialist dialer agencies for a final, decisive push.

III. The Intelligence Annex: Deconstructing a Command Decision

This is how Debt Catalyst™ sees the battlefield. This is the intelligence that dictated the opening move for a single high-value account.

• Debtor Quality Index (DQI): 62
• AI Recovery Priority Score: 53

IV. The Initial Performance Verdict: The Protocol is Working

The campaign is still in its early phase, but the protocol is performing exactly as designed. The numbers are the initial indicators of a successful execution.

• Liquidation Trajectory: The campaign is underway and on a clear path to success. The initial data confirms our trajectory. We fully expect to hit the $340,000 liquidation mandate.
• Strategic Validation: The bifurcated strategy is proving its superiority. The high-touch protocol is yielding significant results on the high-value accounts, while the low-cost digital sweep is capturing value from the rest.
• Velocity: We achieved 25% of the target liquidation in the first 60 days—a velocity the client had failed to achieve in the previous six months.