1. An apparatus for determining a collections treatment type, said apparatus comprising: a scoring analyzer operable to select a score band based on a credit score associated with a debtor, wherein said scoring analyzer is further operable to determine a collections score based on raw credit data and a first scoring expression of a plurality of different scoring expressions, wherein said first scoring expression is associated with said score band, wherein said first scoring expression utilizes a first variable, and wherein a second scoring expression associated with a second score band utilizes a second variable; and a treatment analyzer operable to determine said collections treatment type based on said collections score.