Debt account status — where every lead stands

826 of the 11,769 — 7.0% — have answered a text in the last 30 days. 6,780 have replied at some point, which is 58% and is the figure this account usually gets described by, but 4,765 of those last spoke to us over 90 days ago. A lifetime reply flag never expires, so it makes a mostly-cold book read as a half-live one. Everything below ages it.

What the ledger says — every account in one of five states

State	Means	Accounts	Owed
Owes	Ledger balance over the $10 float tolerance	10,136 86.1%	$17,012,637
Paid off	Balance cleared by payments	1,124 9.6%	—
Written down	Balance cleared by a reduction or credit	479 4.1%	—
Never financed	Paid in full at the time of sale	16 0.1%	—
No join	No usable reference, or it matches nothing	14 0.1%	—
TOTAL		11,769	$17,012,637

Paid up means a ledger balance under $10. 2,405 ledger rows carry paidInFull: Yes alongside a residual balance and every one of them is under $10 — float noise. A cent-exact test would put thousands of people who owe nothing straight back into the chase queue. It runs the other way too: 592 accounts the board has already filed as collected still owe money — see the Boards tab.

Where the conversation stands — the same accounts, aged

State	Means	Accounts	Owed
Live	Replied within the last 30 days	826 7.0%	$1,461,265
Cooling	Last replied 31-90 days ago	1,189 10.1%	$1,835,863
Cold	Replied once, but not for over 90 days	4,765 40.5%	$6,037,755
Silent	Texted, has never once replied	4,919 41.8%	$7,593,070
Untexted	No text conversation exists at all	70 0.6%	$84,685
TOTAL		11,769	$17,012,637

Read off the text history in the sub-account: Silent is a thread with outbound messages and not one reply, ever. Untexted is no thread at all — only 70 accounts, so coverage is not the gap. The gap is answers.

The 10,136 who still owe, by how live the conversation is

State	Accounts	Owed	Average
Live	794 7.8%	$1,461,265 8.6%	$1,840
Cooling	1,083 10.7%	$1,835,863 10.8%	$1,695
Cold	3,804 37.5%	$6,037,755 35.5%	$1,587
Silent	4,409 43.5%	$7,593,070 44.6%	$1,722
Untexted	46 0.5%	$84,685 0.5%	$1,841
TOTAL	10,136	$17,012,637	$1,678

The average barely moves across the five rungs — $1,840 on a live conversation against $1,722 on one that has never answered. Whether someone replies is not a function of how much they owe, so there is no balance threshold to sort the book by. It sorts by contact, and by nothing else here.

Download every account (11,769 rows, CSV) — one row per debtor with all three states, the balance, the instalments taken, the last reply and the GHL card and contact ids.

Every account filed under whoever owns its working card. Live / Cooling / Cold / Silent are the same rungs as the front tab, so a desk's row totals to its caseload.

Collector	Accounts	Owe	Owed	Live	Cooling	Cold	Silent	Settled
Caet S	3,740	3,498 93.5%	$5,909,748	95 2.5%	141	1,477	1,985 53.1%	240
Charles C	1,706	1,423 83.4%	$2,367,156	128 7.5%	211	743	620 36.3%	280
Nick S	1,687	1,484 88.0%	$2,552,865	115 6.8%	215	784	571 33.8%	201
Nobody — ownerless	1,333	891 66.8%	$1,338,211	5 0.4%	51	758	505 37.9%	439
Maria R	989	949 96.0%	$1,759,448	250 25.3%	213	152	374 37.8%	38
Princess Roni	914	660 72.2%	$991,002	90 9.8%	113	413	292 31.9%	252
Emily Lewis	882	751 85.1%	$1,244,059	87 9.9%	169	315	311 35.3%	131
Ronnie K Studio 1	157	150 95.5%	$270,790	32 20.4%	32	21	72 45.9%	7
Kimberly graham	147	132 89.8%	$197,875	0 0.0%	1	42	104 70.7%	15
Mariana Studio 1	98	94 95.9%	$216,668	20 20.4%	38	37	3 3.1%	4
Alejandro S	96	90 93.8%	$146,377	2 2.1%	2	17	74 77.1%	6
another collector	6	1 16.7%	$3,300	0 0.0%	0	3	2 33.3%	5
Caet S + Nick S	3	3 100.0%	$3,689	0 0.0%	0	2	1 33.3%	0
Emily Lewis + Nick S	3	3 100.0%	$5,017	1 33.3%	1	0	1 33.3%	0
TOTAL	11,769	10,136	$17,012,637	826	1,189	4,765	4,919	1,619

Caseload and live conversations are close to unrelated. The biggest desk holds 3,740 accounts and 95 live ones; Maria holds 989 and 250. Anyone reading headcount off card counts is measuring the size of the pile somebody was handed, not the work in front of them. → /debt-workload. 7 more names hold fewer than 3 accounts each and are left out of the table (they are in the CSV): Emily Lewis + Maria R, Caet S + Emily Lewis, Kimberly graham + Nick S, Charles C + Maria R, Charles C + Emily Lewis, Charles C + Nick S, Caet S + Charles C.

Cards and accounts are different numbers and both are here on purpose. 2,014 debtors hold cards on more than one board, and an account is filed under the card a collector would actually work (an owned one first), so accounts runs below cards wherever duplicates sit. Quoting either on its own misreads the boards.

Board	Cards	Accounts	Owe	Owed	Live	Silent	Ownerless cards
Debt AI(Caet)	3,475	3,449	3,322	$5,641,892	83	1,815 52.6%	8
Debt AI	4,660	3,262	3,055	$5,270,614	64	1,314 40.3%	334
Debt AI(Collected)	1,923	1,780	592	$728,218	129	421 23.7%	448
Debt AI (Maria)	1,118	893	851	$1,589,301	255	288 32.3%	14
Unassigned	725	711	670	$1,060,242	8	679 95.5%	55
TO REASSIGN (28 Aug 2026)	603	549	539	$708,443	1	0 0.0%	560
Debt AI(Charles)	366	356	345	$633,562	88	116 32.6%	0
Debt AI(Nick)	346	338	337	$594,072	76	122 36.1%	0
Debt(Emily)	168	164	163	$289,660	51	62 37.8%	0
Debt AI(Problems)	448	101	100	$184,910	9	60 59.4%	127
Debt AI(Veronica)	101	97	97	$181,168	40	41 42.3%	0
Debt AI(Ronnie)	87	68	64	$128,454	21	1 1.5%	0
Debt AI(Alejandro)	1	1	1	$2,100	1	0 0.0%	0
TOTAL	14,021	11,769	10,136	$17,012,637	826	4,919	1,546

592 accounts filed on Debt AI(Collected) still owe $728,218. That is 33% of that board. Whatever moves a card there is not reading the ledger — the same fault was 88 cards and $79k when it was last measured on 28 Aug, so it is getting worse, not better. Nobody is chasing these, because as far as the board is concerned they are done.

Unassigned is the holding pen the 4 Sep hand-out drew from (→ /debt-handout) and it is where the non-responders collect: 679 of its 711 accounts have never once replied. TO REASSIGN (28 Aug 2026) is the opposite — it was built by selecting for repliers, and it still has 549 accounts with nobody's name on them.

How much each of the 10,136 owes

Balance	Accounts	Owed
Under $250	775 7.6%	$120,047 0.7%
$250 - $499	1,063 10.5%	$373,598 2.2%
$500 - $999	1,675 16.5%	$1,262,898 7.4%
$1,000 - $1,999	2,411 23.8%	$3,606,030 21.2%
$2,000 - $2,999	2,882 28.4%	$7,175,836 42.2%
$3,000 and over	1,330 13.1%	$4,474,228 26.3%
TOTAL	10,136	$17,012,637

How far into the plan they actually got

Instalments taken	Accounts	Owed
Never paid one	3,504 34.6%	$7,487,955 44.0%
1-2 taken	3,042 30.0%	$5,707,993 33.6%
3-5 taken	2,138 21.1%	$2,839,963 16.7%
6 or more taken	1,452 14.3%	$976,726 5.7%
TOTAL	10,136	$17,012,637

3,504 of the 10,136 never paid a single instalment after the deposit — $7,487,955, 44% of the whole book. That is a different conversation from someone who paid four and then stopped, and it is the single biggest block on this page.

The 4,409 who have never replied — how hard were they actually chased?

Texts sent to them	Accounts	Owed
Not one text	110 2.5%	$176,757
1-2 texts	1,283 29.1%	$2,117,688
3-5 texts	1,000 22.7%	$1,701,336
6-10 texts	1,183 26.8%	$2,122,782
11 or more texts	833 18.9%	$1,474,508
TOTAL	4,409	$7,593,070

Outbound SMS only — voice calls are not in the GHL thread, so a card worked by phone reads as unchased here. Even so, 1,393 of them have had two texts or fewer, and 833 have had eleven or more and still said nothing. The two ends of that table need opposite treatment.

$17.01M is a balance, not an arrears figure. It is what the Debtor Ledger says these accounts have left to pay. Landing in this sub-account means missing at least one payment, but a good number went back on plan afterwards — so read this as the size of the book being chased, not the amount overdue today. Netting it down needs a fresh per-account next-due date, and the CRM finance schedule was last fetched 7 Aug 2026; a month-stale due date would be worse than none.

By the month the account first got a card here — so this is intake, and how each month's cohort has aged since.

Month in	Accounts	Still owe	Owed	Paid off since	Ever replied	Live now
2025-09	321	284	$517,613	11 3.4%	98 30.5%	0 0.0%
2025-10	206	180	$273,659	14 6.8%	87 42.2%	2 1.0%
2025-11	750	635	$1,004,421	71 9.5%	155 20.7%	6 0.8%
2025-12	378	262	$400,269	91 24.1%	235 62.2%	3 0.8%
2026-01	897	706	$1,108,374	138 15.4%	431 48.0%	6 0.7%
2026-02	762	601	$939,026	118 15.5%	597 78.3%	10 1.3%
2026-03	657	509	$886,941	106 16.1%	427 65.0%	10 1.5%
2026-04	733	609	$982,526	84 11.5%	463 63.2%	10 1.4%
2026-05	1,071	942	$1,539,716	88 8.2%	702 65.5%	22 2.1%
2026-06	1,297	1,181	$2,039,068	73 5.6%	876 67.5%	47 3.6%
2026-07	1,481	1,363	$2,287,700	86 5.8%	1,009 68.1%	87 5.9%
2026-08	2,407	2,082	$3,559,186	231 9.6%	1,197 49.7%	317 13.2%
2026-09	809	782	$1,474,139	13 1.6%	503 62.2%	306 37.8%
TOTAL	11,769	10,136	$17,012,637	1,124	6,780	826