Automated recovery plans for overdue invoices
AutoSettle builds a custom recovery plan for every debtor, ensuring reminders escalate professionally and invoices are settled faster.
Your AI Credit Controller manages the entire recovery strategy.
Invoice due
Due date
Friendly reminder
+3 days
Second reminder
+7 days
Firm reminder
+14 days
Late fee notice
+21 days
Payment plan offer
+28 days
Final demand
+35 days
Pre-legal warning
+45 days
AI Strategy
"Escalation adapted — debtor responded to second reminder but hasn't paid."
Most collections lack structure
Businesses often chase invoices inconsistently — missed follow-ups, weak escalation, and awkward conversations that delay payment.
Forgotten follow-ups
Weak escalation
Awkward customer conversations
Delayed payments
41 days
Average payment delay
Manual
Follow-ups in most SMEs
No strategy
Collections lack escalation plans
AutoSettle builds a recovery plan automatically
Four-stage process turns invoice data and debtor behaviour into a structured collections strategy.
Invoice monitoring
AutoSettle tracks invoice due dates across your entire receivables ledger in real time.
Debtor behaviour analysis
The system evaluates payment history, average days to pay, and risk level for each debtor.
Strategy generation
A structured recovery plan is created automatically — escalation timing, tone, and actions tailored per debtor.
Escalation management
Reminders escalate based on debtor behaviour and invoice age. Your AI Credit Controller adapts in real time.
Structured collections escalation
Every recovery plan follows a proven 7-stage escalation engine. Timing adapts based on how each debtor responds.
- Professional, tone-appropriate reminders
- Timing adapts to debtor behaviour
- Escalation from friendly to formal
- Pre-legal warnings when required
Escalation Ladder
Not one chase sequence — a library of them
Build unlimited named workflows and assign the right one to every debtor. Pick which stages appear, how many times each one sends, the gap between every step, and which channels fire — email, SMS, WhatsApp, letter.
- 1Friendly reminder
- 2Friendly reminder ×2
- 3Payment plan offer
- 1Friendly reminder
- 2Firm reminder
- 3Late fee notice
- 4Final demand
- 1Firm reminder ×2
- 2Late fee notice
- 3Final demand
- 4Pre-legal warning
Per-debtor assignment
Pin a specific workflow to any debtor from their detail page.
Rule-based routing
Auto-assign by invoice value, tag, risk score, payment behaviour or contact group.
Repeats & gaps per step
Send the same stage 1–5 times before advancing, with your own day intervals.
Channels per step
Turn email / SMS / WhatsApp / letter on or off individually at every stage.
Outstanding invoice
£8,000
Hartley Construction Ltd · INV-2041
Proposed options
4 monthly payments
£2,000 per payment
8 monthly payments
£1,000 per payment
Offer payment plans when customers struggle
When a debtor cannot pay in full, AutoSettle can automatically offer structured repayment plans — recovering cashflow that might otherwise become bad debt.
- Automatic payment plan generation
- Multiple instalment options
- Improve recovery rates
- Professional debtor communication
Automated recovery plans for Xero invoices
AutoSettle syncs your invoice data directly from Xero and builds recovery plans automatically — no manual setup required.
- Invoice sync from Xero
- Debtor behaviour analysis
- Automated recovery strategies
- Escalation workflows
Xero Integration
Official Xero App Partner
Invoices synced
247
Recovery plans active
18
Debtors monitored
34
Avg. recovery time
12 days
Go deeper
Explore the capabilities that power recovery plans.
Why structured recovery plans matter
Faster invoice recovery
Consistent collections process
Professional communication
Improved recovery rates
Reduced manual chasing
Protect your cashflow
Explore the AutoSettle platform
Recovery plans are one layer of a complete AI-powered credit control system.
Frequently asked questions
Let AI manage your collections strategy
Connect Xero or QuickBooks and let AutoSettle build recovery plans automatically.