# Debt Recovery

Automate your receivables and reduce payment delays.

## Overview

Late payments are a structural challenge in the telecom industry. BlueRockTEL's Debt Recovery module automates the entire collections process, from sending the first reminder to filing for dispute resolution, while maintaining professional customer relationships.

## Key Capabilities

### Payment Collection

- **SEPA Direct Debit**: automated collection for EU customers with mandate management
- **Stripe integration**: credit card and bank transfer payments with automatic reconciliation
- **Payment links**: send customers a secure, one-click payment link directly from the invoice

### Dunning Automation

- **Configurable dunning sequences**: define your reminder schedule (Day 1, Day 7, Day 15, Day 30 after due date)
- **Per-customer escalation rules**: different sequences for strategic accounts vs. standard customers
- **Automatic suspension workflow**: optionally suspend service after N days unpaid (with one-click restoration on payment)

### Reconciliation & Reporting

- **Automatic bank reconciliation**: match incoming payments to invoices without manual work
- **Aging report**: real-time view of receivables by age bucket (0–30, 30–60, 60–90, 90+ days)
- **Cash flow forecast**: projected collections for the next 30/60/90 days

## Integration with Billing

The Debt Recovery module is tightly integrated with the Billing module:

- Invoices are immediately available for collection as soon as they are generated
- Payment status is reflected in real time on the customer's account
- Partial payments are tracked and allocated correctly