Promise-to-Pay & Compliance Tracking

Harborline Recovery · Medical Debt Portfolio · 28,400 Accounts · $19M Placed

Tracking PTP creation rates, compliance by arrangement type, broken-promise velocity, and re-negotiation success. Target: ≥72% compliance, <18 days broken-to-charge-off.

PTP Compliance
66%
-6pts
Broken PTP Rate
34%
+4pts
PTP / 100 Contacts
18
+2
Re-Neg Success
44%
-3pts
Same-Day Fulfill
52%
+7pts
PTP Coverage %
71%
+5pts

PTP Fulfillment Funnel

Compliance by Arrangement Type

Broken Promise Velocity (Last 90 Days)

High-Risk Broken PTP Accounts (Days to Charge-Off)

Account ID Balance PTP Date Broken Date Days to CO Type Collector Status
MD-18947$2,34012/0812/1514LumpJ.MartinezCritical
MD-22103$1,89012/0512/1216InstallA.ChenCritical
MD-19582$3,12012/1012/1819LumpR.WilliamsHigh
MD-20471$1,56012/0212/0921InstallT.NguyenHigh
MD-18236$2,78012/1112/1922LumpK.DavisHigh
MD-21904$1,43012/0112/0724InstallJ.MartinezMedium
MD-19847$2,01012/0612/1325LumpA.ChenMedium
MD-20598$1,68012/0312/1026InstallR.WilliamsMedium

PTP Coverage % vs. Compliance Rate

Broken PTP Reasons

SMS Reminder A/B Impact on Compliance