Recovery Strategy Generator
Generate a smart debt recovery plan based on debtor behaviour, invoice age and recovery risk
Built for UK businesses chasing unpaid invoices
Step 1: Debt Profile
Tell us about the debt you're trying to recover.
How to Use This Tool
Enter details about the debt and debtor
Answer questions about debtor behaviour and commercial context
Set your recovery preferences and constraints
Review your generated strategy, recommended controller and staged plan
Apply the strategy manually or use AutoSettle to execute it automatically
What Is a Debt Recovery Strategy?
Most businesses have no structured approach to recovering unpaid invoices. They send a few emails, make a phone call, and eventually write off the debt. A recovery strategy is a defined, repeatable plan that determines the best approach for each debtor — whether to chase, offer flexible payment options, or escalate legally.
Strategy matters more than random reminders. Different debtors need different approaches, and a well-designed recovery plan ensures every overdue invoice moves through a structured process until it's resolved.
When Should You Chase, Offer a Plan, or Settle?
Chase when the debtor is engaged, likely to pay, and the debt is relatively recent. Structured reminder sequences with graduated urgency work best here.
Payment plans suit debtors who can pay but need time. By offering structured instalments, you maintain the relationship while securing committed repayment.
Settlement offers make sense where speed and certainty matter more than recovering every penny. A discounted offer can be more valuable than months of uncertain chasing.
Escalation is appropriate when the debtor is unresponsive after multiple attempts and softer options have been exhausted.
Why Strategy Beats Manual Chasing
Manual chasing fails because it lacks consistency, timing, and escalation logic. You might chase one debtor aggressively and forget another. A strategy-driven approach ensures every debtor receives the right communication at the right time, with automatic escalation when responses are poor.
The result: higher recovery rates, faster payments, and significantly less time spent on credit control.
How AutoSettle Executes Recovery Strategies
Inside AutoSettle, AI controllers like Mason, Alex and Ruby don't just send reminders — they execute complete recovery strategies. Based on debtor behaviour and your preferences, they automatically:
- Send graduated reminder sequences with the right tone
- Offer payment plans through the debtor portal
- Create and manage settlement offers
- Escalate to pre-legal pressure when needed
- Generate case packs for legal referral as a last resort
The strategy you generate with this free tool is exactly what AutoSettle executes for you — automatically, 24/7.
Turn This Strategy Into Action
Explore each stage of the Recovery Engine
Frequently Asked Questions
What is a debt recovery strategy?
A debt recovery strategy is a structured plan that determines the best approach to recover an unpaid invoice — whether to chase, offer flexible payment options, or escalate legally.
How do I decide whether to chase, offer a plan, or settle?
It depends on debtor behaviour, days overdue, engagement signals, and your commercial priorities. This tool analyses these factors to recommend the best approach.
Which AI controller should I use?
AutoSettle offers three AI controllers: Mason (friendly), Alex (balanced), and Ruby (firm). The right choice depends on debtor risk, relationship importance, and recovery urgency.
Can AutoSettle execute this strategy automatically?
Yes. AutoSettle's AI controllers can execute the entire recovery strategy — from initial reminders through payment plans, settlement offers, and pre-legal escalation.
When should I escalate a debtor?
Consider escalation when the debtor is unresponsive after multiple reminders, the debt is significantly overdue (60+ days), and softer recovery options have been exhausted.
Can I customise the recovery flow?
Yes. Inside AutoSettle you can configure every stage, enable or disable payment plans and settlements, choose your AI controller, and set escalation thresholds.
This tool provides practical commercial guidance only and does not constitute legal, financial or professional advice. AutoSettle is not a law firm.
Stop Guessing How to Recover Debt
Let AutoSettle generate and execute the right recovery strategy for every debtor — automatically.
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