Why we moved reminder thresholds
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Finance teams told us the seven-day overdue window felt polite. What it actually did was leave a genuine dispute unanswered for three days while the system waited to escalate.
What changed #
The due-today stage stayed put. Overdue now starts on day three. Final notice still lands on day fourteen. Collections handoff is unchanged. The only deliberate move was bringing the first human-shaped nudge forward.
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The evidence #
Across six hundred Northwind accounts, the share that needed a call after the overdue stage dropped once the threshold moved. Earlier stages recover more without a call.
The figure is the shape of that shift, not a promise for every ledger. Teams still own their calendar; Northwind only ships the mechanism.
What we kept #
Dispute flags still pause escalation. Prediction still ranks who is likely to slip. The schedule is still a consumer-owned calendar, not a Northwind policy dressed as product.
Further reading lives on the related-content page (#420), not in this progress demonstration.