Meet Ruby
Firm but Professional
Firm, clear, and commercially serious credit control that gets results without being aggressive.
A recovery strategy inside AutoSettle's AI Credit Controller system
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Ruby
Credit Controller · Investigations
Firm but ProfessionalStage 3 · Firm follow-up
Overdue: Immediate attention required — Invoice INV-1042
Stage 5 · Final demand
Final Notice: Payment required within 7 days — INV-1042
How Ruby works
When softer chasing isn't working, Ruby steps in. She's designed for debtors who are becoming evasive, ignoring reminders, or delaying payment without explanation. Ruby brings structure and consequence to every interaction — making it clear what happens next if payment isn't made, while maintaining full professionalism throughout.
Analyses debtor payment history and flags high-risk patterns immediately
Uses firm, professional language that creates urgency without hostility
Deploys consequence-driven messaging — outlining exactly what happens next
Accelerates through recovery stages for debtors showing avoidance behaviour
Automatically triggers pre-legal and legal recovery warnings when thresholds are met
Maintains full compliance and audit trail throughout escalation
When to use Ruby
Overdue invoices that need stronger pressure
Debtors who are becoming evasive or unresponsive
Later-stage recovery before legal escalation
Businesses that want a sharper collections tone
Repeat late payers who ignore softer outreach
High-value invoices where recovery urgency is critical
More than message tone
Ruby influences your entire recovery strategy — not just the words in an email. From escalation pacing to payment plan timing, every aspect of the recovery process is shaped by the controller you choose.
Accelerated escalation timing for unresponsive debtors
Consequence-driven messaging at every stage
Earlier introduction of formal demands and pre-legal warnings
Shorter intervals between reminder stages
Proactive flagging of debtors for legal referral
Firmer positioning of payment plan deadlines
How Ruby behaves across recovery stages
Ruby operates across all four stages of the Recovery Engine — with a distinct approach at each step.
Analyse
Flags high-risk debtors immediately. Prioritises accounts showing avoidance behaviour.
Chase
Direct, professional communication. Shorter intervals. Consequence-driven language from early stages.
Recover
Offers payment plans with firm deadlines. Positions settlement offers as time-limited opportunities.
Escalate
Moves faster to final demands and pre-legal warnings. Initiates legal referral when thresholds are met.
Key capabilities
Zero tolerance for silence
Ruby identifies debtors who go quiet and adjusts messaging to break through with firm, professional urgency.
Consequence-driven language
Every message clearly outlines next steps and consequences — from late payment interest to legal escalation — without being aggressive.
Accelerated escalation
Moves faster through recovery stages when debtor behaviour signals high risk or deliberate avoidance.
Recovery-focused strategy
Optimised for maximum recovery rate. Drives towards resolution on every interaction without wasting time.
See Ruby in action
Real examples of Ruby's communication at different recovery stages.
Stage 3 · Firm follow-up
Ruby · Credit Controller · Investigations
Overdue: Immediate attention required — Invoice INV-1042
This invoice is now significantly overdue. We have attempted to contact you multiple times without response. Please arrange payment within 48 hours to avoid further escalation.
Stage 5 · Final demand
Ruby · Credit Controller · Investigations
Final Notice: Payment required within 7 days — INV-1042
Despite our previous correspondence, this account remains unpaid. This is a formal final demand. Failure to settle within 7 days may result in the matter being referred for legal recovery.
Stage 6 · Pre-legal warning
Ruby · Credit Controller · Investigations
Pre-Legal Warning: INV-1042 — Action required immediately
We are now preparing to refer this matter to our legal recovery partners. You have 72 hours to make payment or contact us to arrange a resolution.
Part of your wider recovery workflow
Ruby works alongside AutoSettle's full suite of recovery tools — influencing when and how each one is activated.
Compare recovery strategies
See how Ruby, Mason, and Alex differ at a glance.
Recovery style
Escalation speed
Best for
Payment plan timing
Tone adjustment
Legal escalation
Explore other recovery strategies
Each controller is a distinct recovery approach. Choose the one that fits your debtor situation — or let AutoSettle recommend.
