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Updated Mar 2, 2026
$0
saved from write-off
End-of-lifecycle accounts. Next stop: write-off. We brought them back.
0
accounts recovered
0
complaints on 2,300+ touchpoints
0
accounts managed
Recovery Trajectory
Dollar recovery rate climbing with each batch
AI enrichment and calling are driving compounding improvement.
4.4%
Batch 1 · Baseline
5.8%
Batch 2 · + AI calls
14.0%
Batch 3 · + enrichment + dispute AI
3.2x improvement in dollar recovery rate from Batch 1 to Batch 3
The Sweet Spot
Accounts under $25K: where Respaid excels
17.5%
recovery rate
Batch 3 · Under $25K
Why this matters
120 of 125 accounts in our latest batch fall in the under-$25K range. This is the segment where AI-driven collections deliver the highest ROI.
And the rate is improving: B1 was 11.6%, B3 hit 17.5%.
17.2%
Under $5K (B3)
17.7%
$5K–$25K (B3)
2.8x
improvement on $5K–$25K (B1→B3)
Speed
0
days to first payment
Respaid AI
0
months for first report
Traditional agency
Day 1
first outreach sent
Day 7
first payment in
Day 14
14 disputes resolved
Day 63
campaign complete
"Traditional agencies — it's once-a-month bump-and-hump conversations"
— Neil Doyle, Microsoft Credit Services
The Machine
0
automated touchpoints across 3 batches
1,118
personalized emails
58% open rate (Batch 3) · 0 spam
301
AI phone calls
33 successful conversations
429
new contacts found by AI
264 in Batch 3 alone (4x vs B1)
3,200h
manual work replaced
~$96K
labor cost saved
49/57
disputes resolved (22 by AI)
Intelligence
Data your ERP can't see
42%
#1 dispute: "Send me the invoice"
Already paid18%
Wrong amount15%
Not our company12%
57 disputes — 22 resolved by AI
3x
conversion when AI calls within 5 min
Peak Window
Tue–Thu 10am
Step 3 → highest conversion
Re-engagement Day 30+ → 8% convert
+0
new decision-makers found by AI
319
on file
748
after AI
67% of recoveries used AI-found contacts
Engagement
0
Email open rate (Batch 3)
vs 15-25% industry average
3x the industry benchmark
0
total opens
44.1%
click-to-open rate (vs 2-5% avg)
0
spam complaints on 1,118 emails
Debtors are reading. 58% of Batch 3 accounts opened our emails. 44% clicked through to the payment portal. Zero spam complaints.
Geographic Reach
Where debtors are reading
44 states + DC
1,964 total email opens nationwide
TX
185 opens (9.4%)
CA
185 opens (9.4%)
NY
123 opens (6.3%)
Key Insight
One pattern explains most of the gap.
Dispute resolved with documentation
25%
of these accounts paid
Dispute unresolved (no invoice)
0%
of these accounts paid
$1.05M in disputed accounts — invoice access turns disputes into payments
57 disputes across the portfolio. The #1 type: "Send me the invoice." When we provide documentation, debtors pay. When we can't, accounts stall indefinitely. Our AI already resolved 22 disputes automatically (38%) — with direct invoice access, resolution becomes instant.
Learning Loop
Each batch adds a new capability — improvement is compounding
Batch 1
4.4%
Baseline
→
Batch 2
5.8%
+ AI phone calls
→
Batch 3
14.0%
+ enrichment + dispute AI
→
Batch 4
20%+
+ invoice automation
The model is trained on 319 live Microsoft accounts — and learning
Projection
Where we're heading with invoice automation
Current
14.0%
Batch 3 (no invoices)
→
Floor
20%
With invoice sharing
→
Target
25%+
With automated invoice delivery
WHY 20% IS THE FLOOR
The most common dispute type is "send me the invoice." When we resolved disputes with documentation, 25% paid. When we couldn't, 0% did. Just providing invoice access adds 6+ points to the recovery rate — and eliminates the #1 bottleneck in the collection process.
Build vs Buy
Why this can't be replicated overnight
18-24 mo
Build in-house
×
Pre-train on billions of calls before going live
×
Build QA + auto-improvement pipeline
×
Voice latency engineering (<500ms)
×
AI contact enrichment across 44 states
×
Zero-tolerance: 1 bad call = client complaint
$2M+ · Amazon still hasn't done AI calling
2 weeks
White-label with Respaid
✓
Pre-trained on 1B+ real calls
✓
Now trained on 319 live Microsoft accounts
✓
0 complaints across all live calls
✓
Auto-QA + self-improving AI
✓
22 disputes auto-resolved, 0 errors
319 Microsoft accounts already in the model
The Proposal
Two tracks, starting now
Track 1: Collections Lab
Live now — plug and play
✓
Continue batch collections via Respaid
✓
Each batch discovers new insights
✓
Give us invoice access to unlock 20%+
Quick win: invoice automation reduces DSO
Track 2: White-Label
Microsoft Collections AI — your brand, our engine
✓
Full white-label platform under Microsoft brand
✓
Trained on 319 real Microsoft accounts
✓
First-party collections at scale
Both tracks run in parallel — start immediately
Schedule Proposal Call
Full pricing proposal ready in 48 hours
Microsoft x Respaid · Recovery Intelligence Report · Confidential