Different Collection Criteria For Different Customers And Different Debt

Consider the following:

• You probably have different collection criteria for different jurisdictions (i.e., CIS Divisions). For example, if you have customers in different states / provinces, you may have different regulator-imposed criteria applied to each state's debt. You differentiate your debt in respect of the collection process via the CIS division code on each customer's account.
• You probably have different collection criteria for different customer segments. For example, customers with large bills probably have strict criteria, whereas you're probably more lenient with small customers (or vice versa). You differentiate your customers in respect of the collection process via a collection class code on the customers' accounts. An account's initial collection class is defaulted from its customer class. You may override an account's collection class at will.
• You probably have different collection criteria for different classes of debt. For example, if a single customer has both regulated and unregulated debt, you probably have commission-imposed criteria to be applied to the regulated debt, but you have the freedom to apply stricter criteria to the unregulated debt. You differentiate your debt in respect of the collection process via a debt class code on the customers' service agreements (note: the debt class is actually defined on the service agreement's SA type).
• You will have different criteria for every currency in which you work because the monitoring process always compares a customer's debt against some value and this value must be denominated in the customer's currency. A customer's currency is defined using a currency code on the account.

Given the above, you should understand that different collection criteria will exist for every combination of CIS division, collection class, debt class, and currency code. If you're confused, consider the following matrix (where we assume you have a single currency and division and therefore avoid the third and fourth dimensions):

Also, notice that there can be multiple criteria for each cell in the matrix. What differentiates one collection criteria from another is its priority. The higher priority criteria will be compared first. If the debt meets the criteria, the collection process is initiated and no further comparisons are performed.