Read payment calls and texts with bankruptcy clients
Finds promises to pay, requests for a payment arrangement, hardship, fee disputes, missed Chapter 13 plan payments and requests to stop contact, and flags pressure from staff.
Try it on this example
Channel (call, SMS, email): Call
The whole conversation, oldest message first
- Does the client promise a specific payment?Yes97%
- Does the client ask for a payment arrangement or more time?Yes98%
- Does the client describe a hardship affecting payment?Yes98%
- Does the client dispute what they owe the firm?No91%
- Does the conversation show the client is behind on Chapter 13 plan payments?Yes97%
- Does the client ask the firm to stop calling, texting or emailing them?No93%
- Does staff pressure or threaten the client?Yes89%
These are real answers stored from one run on this example.
The prism behind it
Read payment calls and texts with bankruptcy clients
Fields
- Channel (call, SMS, email)
- The whole conversation, oldest message first
Context
We are Lakeshore Debt Law, a consumer bankruptcy firm. The text is a conversation between our accounts receivable staff and a client about the client's attorney fees or Chapter 13 plan payments, oldest message first; it may have no speaker labels. The answers set follow-ups for the accounts team and flag conversations a supervisor should read. Amounts and dates are recorded by the team, not here.
Questions
Does the client promise a specific payment? Yes / No
Yes: The client commits to paying a stated amount, or by a stated day. No: No specific commitment is made. A vague intention such as "I'll try" is not a promise.
Does the client ask for a payment arrangement or more time? Yes / No
Yes: The client asks to split, reduce, delay or reschedule a payment. No: No such request appears.
Does the client describe a hardship affecting payment? Yes / No
Yes: The client mentions job loss, reduced hours, illness, a death, a new expense or another reason they cannot pay. No: No hardship is described.
Does the client dispute what they owe the firm? Yes / No
Yes: The client says an amount is wrong, was already paid, was never agreed, or that the service was not provided. No: The client does not dispute the amount.
Does the conversation show the client is behind on Chapter 13 plan payments? Yes / No
Yes: The client or staff says a trustee or plan payment was missed or is late, or a motion to dismiss was mentioned. No: Nothing shows missed plan payments, or the case is not a Chapter 13.
Does the client ask the firm to stop calling, texting or emailing them? Yes / No
Yes: The client asks to stop some or all contact, in any words. No: No such request appears.
Does staff pressure or threaten the client? Yes / No
Yes: Staff threaten to drop the case, to report the client, or other consequences not stated as firm policy, or use insulting or shaming language. No: Staff explain the balance, the options and the policy plainly. Stating a real consequence calmly, such as that a missed plan payment can lead the trustee to ask for dismissal, is not pressure.
Lens columns
promise_to_pay, promise_to_pay_probability, arrangement_requested, arrangement_requested_probability, hardship, hardship_probability, fee_dispute, fee_dispute_probability, plan_payments_behind, plan_payments_behind_probability, stop_contact, stop_contact_probability, staff_pressure, staff_pressure_probability
Run it on your own text
Add this prism in the app, change any question, and test it on a file of your own.