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319 end-of-lifecycle accounts · $10.6M portfolio · Next step was write-off
$0
Total Portfolio Impact
$0
Recovered through Respaid
$0
Paid directly to Microsoft
0
Complaints filed
$55,729 recovered 8 hours after first email
Chapter 1
What happened with $10.6M in write-off debt
Three batches. 319 accounts. 84% aged over 12 months. Here's what the data shows.
$0
Recovered through
Respaid platform
$0
Paid directly to Microsoft
after our outreach
$0
Largest single recovery
(CCBCC Operations)
Chapter 2
Each batch builds on the last
This isn't random. Each iteration uses what we learned from the previous one to improve targeting, timing, and outreach strategy. Batch 3 is still active.
Batch 1 · December 2025
The Baseline
119 accounts $3.3M portfolio $175K recovered
First batch, cold start. Established outreach cadence, identified optimal send times, and built debtor engagement profiles from scratch.
Batch 2 · January 14, 2026
AI Contact Discovery Activated
100 accounts $3.8M portfolio $210K recovered
Our AI identified 429 additional decision-makers across accounts. Recovery from AI-discovered contacts: 67% of all conversions. $55K recovered in 8 hours.
Batch 3 · January 26, 2026
Full Intelligence Stack
100 accounts $3.5M portfolio $198K recovered Still active
Applied Batch 1 + 2 learnings: optimized send timing, improved subject lines, pre-enriched contact data. Fastest first payment: 57 hours from sequence start (Boeing, $6.3K).
Chapter 3
What the data revealed
Beyond sending emails. Our AI builds a behavioral profile for every account — who to contact, when they engage, and how to resolve disputes before they escalate.
0%
of recoveries from
AI-discovered contacts

Microsoft provided 319 contacts. Our AI found 429 additional decision-makers across the portfolio — CFOs, controllers, AP managers who weren't in the original file.

These AI-discovered contacts drove 67% of all successful recoveries. The original contacts alone would have left the majority of this money unrecovered.

📈
Dispute Resolution
57 formal disputes received. Our team resolved each one by cross-referencing account data, invoice details, and payment history — often within 48 hours.
38.6%
of disputes came from AI-discovered contacts — people who wouldn't have been reached at all with the original file.
⏱
Behavioral Timing
Peak email engagement: Tuesday-Thursday, 9-11 AM local time. Payment links clicked most on Wednesdays. Outreach cadence adapted per debtor's response pattern.
2,300+
email interactions tracked and used to optimize send timing in real-time.
💰
Direct-to-Microsoft Payments
24 accounts totaling $303K paid Microsoft directly after receiving our outreach. This is money that moved because we contacted them — even though they chose to pay Microsoft's AR team directly.
🎯
Largest Single Recovery
CCBCC Operations, LLC — $100K account from Batch 2. Converted after AI identified the correct financial controller. Original contact on file had left the company 6 months prior.
$332K
total value recovered from the top 3 accounts alone.

Geographic Distribution

Activity level: None Low Medium High
—
—
Accounts
—
Recovered
—
Disputes
—
Email Opens
Chapter 4
The untapped potential
Two data points that define the next opportunity.
The age factor
0%
Recovery rate on invoices under 6 months old. This pilot's portfolio was 84% aged 12+ months. Fresher debt performs dramatically better.
The invoice factor
0%
Of invoices are under $500. Recovery rate on these: near zero. Aggregated into a single payment demand per company, they convert. Currently, they're left untouched.
Under 6 months
16% of portfolio
80%
6–12 months
~0% of portfolio
22.5%
12+ months
84% of portfolio
14%

84% of this pilot was 12+ months old — the hardest debt to recover. Despite that, we recovered $886K. With fresher accounts and invoice aggregation, the math changes dramatically.

Chapter 5
In their words
What debtors said during the recovery process.
I didn't even know this invoice was outstanding. Thank you for reaching out — paying now.
AP Manager, Healthcare Company
We'd been meaning to resolve this. The payment link made it easy — done in 2 minutes.
Controller, Manufacturing Firm
Our old AP contact left the company. No one knew about this. We're happy to settle it.
CFO, Technology Services Company
Can you send me a breakdown of all outstanding invoices? I want to clear everything at once.
Finance Director, Government Agency

Ready for the next batch?

Fresher accounts. Invoice aggregation. Full intelligence stack from day one.

Let's talk