Settle
OverviewScenarioOffice
Mason Lane
Recovered this month

$2,100.00

settled accounts

Overdue right now

$10,650.00

across 3 accounts

Plans at risk

0

nothing needs rescue

All clients
  • Priya · Priya NairEscalated$2,650.00

    ML-2026-0150 · due Mon 13 July · 12 days overdue

    Next: Schedule paused · awaiting your decision

    Hardship escalates at every delegation level.

    View
  • Brian Docherty · Southside RealtyOverdue$3,200.00

    ML-2026-0135 · due Fri 10 July · 15 days overdue

    Next: Watch for reply

    View
  • Maddie · Chen & Co BookkeepingOverdue$4,800.00

    ML-2026-0142 · due Fri 17 July · 8 days overdue

    Next: Watch for reply

    View
  • Marco Esposito · Esposito Fine FoodsPlan active$2,400.00

    ML-2026-0128 · 6 fortnightly instalments of $400.00 · first payment Wed 22 July

    Next: Watch for first instalment

    View
  • Aisha Osei · The Cook's River BookshopDue$1,980.00

    ML-2026-0159 · due Sat 25 July

    Next: Watch for payment

    View
  • Margaret · Ashfield Bowling ClubUpcoming$1,320.00

    ML-2026-0161 · due Thu 6 Aug

    Not yet due

    View
  • Margaret · Ashfield Bowling ClubPaid$2,100.00

    ML-2026-0118 · due Tue 30 June

    Settled

    View
Delegation

Level 3: Trusted. I negotiate strictly within your approved guardrails and send you a daily success digest.

Relationship guardrails
  • Always disclose AI identity
  • No contact after 9 pm
  • No contact on public holidays (NSW)
HoursMon–Sat 7:30 am – 9:00 pm AEST
ChannelSMS via Twilio
Collection limits
Min instalment
$150.00
Longest plan
12 weeks
Max discount
10%
Frequency
1 msg / 48 h · 3 / week
Integrity log
  • 25 July, 16:41
    Settle replied to owner instruction
  • 25 July, 16:10
    Settle replied to owner instruction
  • 25 July, 12:15
    Settle replied to owner instruction
  • 25 July, 12:09
    commit_plan (Southside Realty) · ML-2026-0135
  • 25 July, 11:00
    BlockedI will not threaten Southside Realty with legal action. It crosses a hard edge, and a threat would cost you a customer you want next year for money a firmer, specific ask can still recover.Rule: hard_edges/no-threats
  • 25 July, 09:08
    reschedule_plan (Esposito Fine Foods) · ML-2026-0128
  • 25 July, 09:05
    dishonour (Esposito Fine Foods) · ML-2026-0128
  • 25 July, 09:01
    Settle replied to owner instruction
Always exempt
vip, in-dispute
  1. 01Brand protection Zero threats of legal action, debt collectors, or credit listing. We negotiate, we don't intimidate.
  2. 02Total transparency Automation is clearly disclosed in the first message and after 7 days of silence (enforced in code, not prompt guidance alone).
  3. 03Respectful timing Messages are only sent during appropriate local hours (07:30–21:00, Mon–Sat).
  4. 04Zero spam Carefully paced outreach. Maximum 1 message per 48 hours, capped at 3 per week.
  5. 05Empathetic pauses Hardship signals (illness, job loss, mental health) trigger an immediate pause on collections and escalate to you.
  6. 06Owner authority Negotiations never exceed your approved minimums, maximums, or discount limits.
  7. 07Dispute safety If an invoice is disputed, Settle stops collections and escalates to you without arguing the merits.
  8. 08Absolute privacy Account details are never discussed with anyone except the named contact.