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 comprising one or more sub-models and reference data for one or more prototype accounts, the prototype accounts being a subset of historical accounts stored in the memory and including results from test accounts created to test the efficacy of new treatments or new sets of rules, thereby providing a mechanism for learning and adapting to new treatments and debtor behavior; a database associated with said processor and said memory; a program stored in the memory and executable by the processor, the program being operable for: 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 prototype accounts in the one or more neighbor vectors; generating, for each of the request vectors, a subset list of allowed treatments by applying one or more sets of policy or regulation rules to a superset list of all treatments, the subset and superset lists being generated regardless of similarities between the one or more delinquent accounts and the one or more neighbor vectors; computing a treatment fitness score for each of the treatments in the subset list, using the neighbor fitness values from the neighbor vectors that experienced a particular treatment being analyzed and using events outside the one or more neighbor vectors; selecting at least one of the treatments in the subset list for each of the at least one recommendation request based on the treatment fitness score to recommend treatments for delinquent accounts based on the success of treatments in the subset list; and presenting the selected at least one treatment to a user, wherein the one or more prototype accounts in the memory increases speed of operations of the program when the program is executed by the processor.