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INV-2011

Cedarhill Residences

$9,000 outstanding, 94 days past due.

Arrearly

Account statement

By Wiqi Lee

Statement for

INV-2011

Generated Aug 26, 2026

Billed to

Cedarhill Residences

Jonathan Teo

jteo@example.com

Summary

INV-2011 for Cedarhill Residences is 94 days past due with $9,000 outstanding and a risk score of 94. The risk of non-payment is high, so the agent is working it actively. Cedarhill Residences usually pays 21 days late and has a reliability score of 55. So far the agent has made 1 decision and sent 2 messages. If recovered, the fee would be $720.

Invoice detail

Invoice numberINV-2011
Statusescalated
Invoiced$9,000
Paid so far$0
Balance$9,000
IssuedMay 23, 2026
DueMay 24, 2026
Age94 days past due
Risk score94 / 100
Commission rate8%
Fee if recovered$720

Customer

Reliability score55 / 100
Usually pays21 days late
Customer for3 months
Messages exchanged2 sent, 0 received

Decision history (1)

DateActionOutcomeConf.Risk
Jul 3, 2026Hand offQueued for review8694

What every number here means

Risk score (0 to 100)

How likely a balance is to go unpaid without intervention. 0 to 29 is comfortable, 30 to 49 is worth watching, 50 to 69 is pressing, 70 to 84 is urgent, and 85 or above needs action now.

Reliability score (0 to 100)

How dependably a customer has paid before. 80 to 100 is strong, 60 to 79 is fair, 40 to 59 is shaky, and below 40 is poor. The agent opens warmer with reliable customers and firmer with the rest.

Confidence (0 to 100)

How sure the agent is that a decision is the right one. Below the autonomy threshold the message is drafted but held for a person rather than sent. Higher is surer.

Commission and fee

The commission rate is the agreed cut of whatever is recovered. The fee is that rate applied to this balance, so it is only earned if and when the invoice is actually paid.

Age and status

Age is days since the due date. Status moves from open to overdue, then to promised, partial, disputed, escalated, or paid as the account progresses.

PayPal transaction

Every payment settles through PayPal to the Heytugas.com account. Each row lists its date, the installment it covers, and the PayPal transaction id for reconciliation.

Generated by Arrearly, built by Wiqi Lee. This statement reflects INV-2011 for Cedarhill Residences as of Aug 26, 2026.

Agent

What should happen today?

Hand offWaiting on a personvia email2 months ago

The ladder is exhausted and the balance is large and very old. A person should take this account from here.

Confidence
86
Risk
94
Next review
Aug 25, 2026
Decided in
973ms

Decided by the offline policy engine. Add Gemini credentials to hand this over to the model.

Conversation

Everything said so far

Invoice follow-up · Cedarhill Residences

2 messages · with Jonathan Teo

PH
Peter, Heytugas<peter@heytugas.example.com>Jun 13, 2026, 9:00 AM

to Jonathan Teo

Hi Jonathan - INV-2011 for $9,000 is well past due. Could you confirm a payment date in writing?

PH
Peter, Heytugas<peter@heytugas.example.com>Jul 3, 2026, 10:00 AM

to Jonathan Teo

Jonathan, this is a final notice on INV-2011 for $9,000, now significantly overdue. Please arrange payment within seven days.

Finance

Payments and prediction

Payment model?Payment modelA learned model that reads the account and estimates two things: the probability the balance is recovered, and how many days it will take. It runs locally on every view, and a heavier retrainable version runs in the Python service when connected. The bars show which features push the odds up (green) or down (red), so the number can always be taken apart.66-100%Likely to be paid (green)40-65%Uncertain, worth watching (amber)0-39%At risk without action (red)high confidence

Probability of payment

5%

Predicted time to pay

58d

What drives it

Age-100%94 days past due
History-56%Usually pays 21 days late
Reliability-11%Pays with a reliability score of 55
Balance-6%Large balance outstanding
Relationship+4%3-month relationship
Engagement0%Early in the conversation
Promise0%No promise on file

Green pushes toward payment, red away from it, and the percentage is each feature's pull relative to the strongest one. The agent folds this into its reasoning as one input, never an instruction.

History

Decisions on this invoice

Decisions board
Hand offWaiting on a personINV-2011Cedarhill Residences2 months ago

The ladder is exhausted and the balance is large and very old. A person should take this account from here.

Confidence86Risk94via emailgemini-2.5-flash · 973msSimulated
INV-2011With a person
Balance
$9,000
Invoiced
$9,000
Paid so far
$0
Issued
May 23, 2026
Due
May 24, 2026
Age
94 days past due
Our commission
8%
Fee if recovered
$720
Risk ?Risk scoreA 0-100 estimate of the chance this balance is never recovered if left alone. It blends how far past due the invoice is, how reliably the customer has paid before, how large the balance is, and how long the relationship has lasted.0-29Comfortable30-49Worth watching50-69Pressing70-84Urgent85-100Act now
94
Messages sent
2
Last contact
2 months ago
Next review
Aug 25, 2026

Customer

Cedarhill Residences

Jonathan Teo

jteo@example.com

Reliability ?Reliability scoreA 0-100 record of this customer's own payment history with you. The agent leans on this to decide how warm or how firm to open.80-100Strong, pays close to on time60-79Fair, a nudge usually does it40-59Shaky, takes a few rounds0-39Poor, expect to work for it
55
Usually pays
21 days late
Customer for
3 months
INV-2011 · Cedarhill Residences · Arrearly