28. The method of claim 18 , further comprising: creating the collections model by ranking collections receivables with collection scores.
28. The method of claim 18 , further comprising: creating the collections model by ranking collections receivables with collection scores. 29. The method of claim 28 , further comprising: determining a first collection treatment from the first collection score; and differentiating the first collection treatment from another collection treatment that is associated with a different score band, the first collection treatment being different from the other collection treatment.