Collections Treatment Planner

Recommend compliant, customer-appropriate collections outreach and treatment options for a delinquent account by combining delinquency context, vulnerability/hardship indicators, consent and suppression flags, contact-frequency limits, and versioned policy, then present an evidenced shortlist for a specialist to adjudicate. Use when a collections specialist or hardship-team member asks "what treatment options apply to this delinquent account", "what outreach is compliant here", "which hardship options is this customer eligible for", or needs a review-ready treatment plan. This skill recommends and evidences options and respects suppression/contact caps; it NEVER approves …