See where every debtor stands.
Seven distinct engagement states — computed from real behaviour — that tell your AI controller exactly how to handle each debtor.
- Real-time state computation
- Automatic transitions from signals
- AI persona-specific responses
- Lifecycle-aware escalation
Not Contacted
Debtor exists in the system but no recovery communication ha…
Contacted – No Response
At least one message sent via email, SMS, WhatsApp, or lette…
Opened – No Action
Debtor has opened emails or read WhatsApp messages but hasn'…
Engaged
Debtor has clicked links, visited payment pages, or interact…
Paying
At least one payment received. Recovery is working — the deb…
Ghosting
3+ communications sent with zero engagement. No opens, no cl…
Stalled
Debtor opens emails but never acts. 4+ messages sent, opens …
Seven engagement states
Each state is computed from real signals — no manual tagging required.
Not Contacted
Debtor exists in the system but no recovery communication has been sent yet.
Contacted – No Response
At least one message sent via email, SMS, WhatsApp, or letter — but no engagement detected.
Opened – No Action
Debtor has opened emails or read WhatsApp messages but hasn't clicked any links or made contact.
Engaged
Debtor has clicked links, visited payment pages, or interacted with the portal — showing intent.
Paying
At least one payment received. Recovery is working — the debtor is settling their debt.
Ghosting
3+ communications sent with zero engagement. No opens, no clicks, no reads — complete silence.
Stalled
Debtor opens emails but never acts. 4+ messages sent, opens detected, but zero clicks or payments.
How states transition
Every state change is triggered by a real signal — opens, clicks, payments, or silence.
Email opened or WhatsApp read receipt
Link clicked or payment page visited
Payment received (any amount)
3+ messages sent, zero engagement
4+ messages, opens but no clicks/payments
Engagement states across the Recovery Engine
Each state drives different behaviour at every stage of recovery.