1. A system for recommending treatments for one or more delinquent accounts at a particular point in time comprising: a processor operable to execute programs; a memory associated with the processor; a database associated with said processor and said memory; the memory comprising reference data for one or more accounts; the memory comprising one or more sub-models; a program stored in the memory and executable by the processors, the program being operable for: accessing the reference data for the one or more accounts; accessing the one or more sub-models; expressing the reference data as historical vectors in an n-dimensional feature space; receiving at least one recommendation request data record for each of one or more delinquent accounts; converting the at least one recommendation request data record to request vectors using scores from the one or more sub-models; selecting one or more neighbor vectors from the historical vectors for each of the request vectors, based on an algorithm analysis of data in the n-dimensional feature space; determining neighbor fitness values for each of the selected one or more neighbor vectors by looking forward in historical time for each of the one or more accounts in the one or more neighbor vectors; generating a list of allowed treatments for the request vectors from all treatments available for each of the selected one or more neighbor vectors by applying one or more sets of rules to said all treatments available; computing a treatment fitness score for each of the treatments in the allowed treatments list, using the neighbor fitness values from the neighbor vectors that experienced a particular treatment being analyzed; selecting at least one of the allowed treatments available for each of the at least one recommendation request based on the treatment fitness score; and presenting the selected at least one treatment to a user.