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Delinquency AI · Coming 2026

Fewer late payments, faster recovery

Balances get worked the same way every month, on every unit, without anyone on your team making the awkward call. Reminders land early, questions get answered, and payment plans are set up before a balance has a chance to age.

Balances · 12 buildings

August 2026

Outstanding

$0

Open accounts

96

Plans active

34

Cleared this month

$91,400

Outstanding by age

$71,400
1–15 days
$38,900
16–30 days
$22,600
31–60 days
$10,150
61–90 days
$5,270
90+ days

Rent collected, month to date

Day 1Day 14Day 27

99.1% collected by day 27, with the tail worked by the agent

The follow-up nobody wants to make

Most late rent isn't refusal, it's a question nobody answered. Your agent opens the conversation the day a balance appears, explains exactly what's owed and why, and offers a way to clear it.

Dana

Unit 14C · Harbour Point

SMS

Sydney via SMS

Hi Dana, there's a $1,485 balance on Unit 14C as of August 1. I can take payment here, or split it into a plan if that's easier.

Aug 13 at 9:02 AM

Dana via SMS

What's the extra $60? I thought rent was $1,425.

Sydney via SMS

Rent is $1,425. The $60 is the late fee applied August 4 under section 8 of your lease. Nothing else is outstanding.

Aug 13 at 9:14 AM

Dana via SMS

Makes sense. Could I split it over a few payments?

Sydney via SMS

Yes. Three payments of $495 on Aug 15, Aug 30, and Sep 15. Want me to set that up?

Aug 13 at 9:16 AM

Plan proposed · 3 × $495 · guarantor copied

Payment plans without the phone tag

A resident who can pay in three pieces usually will, if someone offers. Your agent proposes a plan inside the terms you set, confirms it in the thread, then runs it, chasing each installment so your team doesn't have to.

Payment plan · Unit 14C · D. Okafor

Plan active
Original balance$1,485.00
Collected$990.00
Remaining$495.00

Aug 15 · $495.00

Paid · e-transfer

Aug 30 · $495.00

Paid · e-transfer

Sep 15 · $495.00

Reminder scheduled Sep 13

Reminders go out two days ahead · guarantor copied on every update

The chase runs itself, until it doesn't need to

Every balance climbs the same ladder: a reminder, then another channel, then a call, then a plan. It escalates on the schedule you set and stops the moment someone engages, so your team only ever sees the accounts that didn't resolve.

Reminder ladder · Unit 21B · S. Novak

Stopped at day 8
Day 1

Balance reminder with the full charge breakdown

Delivered
Day 3

Same balance again, guarantor copied for the first time

Opened, no reply
Day 6

Voicemail walking through the payment options

No answer
Day 8

Payment plan offered, inside the limits you set

Resident replied
Day 12

Handoff to Maya with the ledger and the full thread

Not needed

The ladder stops the moment a balance clears or a plan is agreed. Your team only sees the ones it couldn't finish.

The details

Built into every conversation

Any rent question

Late fees, prorated charges, and what a payment covered, explained from the ledger instead of a script

Guarantors and co-signers

Everyone on the hook gets the same balance updates and the same payment options, automatically

One thread, every topic

Balance follow-ups run in the conversation residents already use for maintenance and renewals

Payment history at a glance

Every balance, plan, and installment on the resident record, across the portfolio

Follow-ups by phone

When text and email go unanswered, the agent calls, explains the balance, and takes it from there

Human handoff

Hardship, disputes, and anything legal reach your team with the full ledger and thread attached