Designing Collection Class Controls
At this point we have the rows and columns defined in our matrix. Now it's time to work on the individual cells.
Each cell should have a "collection class control" that defines its collection criteria and what to do if the criteria are violated. If a cell doesn't have a collection class control, this means you don't have any debt associated with that combination of collection class and debt class. So, we'll mark each cell without debt with "N/A".
SA's Debt Class
Account's Collection Class:
Residential
Account's Collection Class:
Commercial/Industrial
Regulated
N/A
Unregulated
Charitable Contribution
N/A
Deposit
Write Off
N/A
Next, we'll mark each cell for debt classes whose debt isn't collectable (i.e., the write-off and N/A debt classes).
SA's Debt Class
Account's Collection Class:
Residential
Account's Collection Class:
Commercial/Industrial
Regulated
N/A
Unregulated
Charitable Contribution
N/A
Deposit
Write Off
N/A
N/A
N/A
N/A
N/A
Note: 
If the Account Debt Monitor encounters debt associated with a non-existent collection class control, it will issue an error.
Determining the collection criteria in each remaining cell can be straightforward or complicated; it depends on how your organization works. Our case study assumes the following:
• For charitable debt, if the customer is more than $0 in arrears by more than 20 days, kick off the "charity reminder" collection process. We'll talk more about this collection process later.
• For regulated / residential debt, if the customer is more than $15 in arrears by more than 20 days, kick off the Normal Regulated collection process. We'll talk more about this collection process later.
• For unregulated / residential debt, if the customer is more than $5 in arrears by more than 20 days, kick off the Normal Unregulated collection process. We'll talk more about this collection process later.
• For unregulated / commercial-industrial debt we have multiple criteria:
◦ Highest priority. If the customer is more than $10,000 in arrears by more than 20 days, kick off the Large Overdue Debt collection process. We'll talk more about this collection process later.
◦ Lower priority. If the customer is more than $100 in arrears by more than 20 days, kick off the Normal Unregulated collection process. We'll talk more about this collection process later.
• For deposit debt (regardless of collection class) we have multiple criteria:
◦ Highest priority. If the customer is more than $5 in arrears by more than 50 days, kick off the Deposit Severely Overdue collection process. We'll talk more about this collection process later.
◦ Lower priority. If the customer is more than $15 in arrears by more than 20 days, kick off the Deposit collection process. We'll talk more about this collection process later.
Given the above, our matrix will look as follows:
SA's Debt Class
Account's Collection Class:
Residential
Account's Collection Class:
Commercial/Industrial
Charitable Contribution
If > $0 is older than 20 days, start Charity Reminder collection process.
N/A
Regulated
If > $15 is older than 20 days, start Normal Regulated collection process.
N/A
Unregulated
If > $5 is older than 20 days, start Normal Unregulated collection process.
Highest priority: If > $10,000 is older than 20 days, start Large Overdue Debt collection process.
Lower priority: If > $100 is older than 20 days, start Normal Unregulated collection process.
Deposit
Highest priority: If > $5 is older than 50 days, start Deposit Severely Overdue collection process.
Lower priority: If > $15 is older than 20 days, start Deposit collection process.
Highest priority: If > $5 is older than 50 days, start Deposit Severely Overdue collection process.
Lower priority: If > $15 is older than 20 days, start Deposit collection process.
Write Off
N/A
N/A
N/A
N/A
N/A