The collection of unpaid bills is an important and costly branch of operations in any telecommunication company. Unpaid claims differ with respect to the difficulty of recovery, which depends on the individual traits of the debtor. In order to effectively manage long-term claims and limit the amount of unpaid debts, it is necessary to apply analytical solutions which support decision making in debt recovery operations.

We offer models which allow to treat each customer individually in the debt recovery process. These models are used to asses the customer's willingness to repay their debts after due date. In the case of customers who are unlikely to repay their debt it is possible to apply more expedited and restrictive methods of debt collection, than in the case of low risk customers, whose amount due can be divided into smaller installments without blocking access to the service.

Our solutions can also be applied to asses the operator's ability to recover claims from former subscribers, whose service has been deactivated due to unpaid bills. In this case difficult claims can be sold to specialized collection agencies.

Debt recovery models help lower the costs of debt recovery operations, minimize the sum of due amounts and limit forced customer churn, by providing low risk subscribers with the option of paying back their debt on convenient terms. Our solutions are the basis for optimal management of "difficult" claims.