Payment Plan Tracking Agent

Customers on payment plans pay in installments, and missed or short payments are easy to lose among normal receipts. This agent keeps each plan on track. It builds the schedule from the signed agreement, checks every incoming payment against the installment due, and allocates it to the right invoices. When a payment is late or short, it waits the grace period, then checks again. If money is still missing, it drafts a reminder and counts the miss against the number the plan allows. Tiny shortfalls are noted without a reminder. When misses reach the plan limit, it marks the plan breached and prepares a summary of payments, misses and contact history. The specialist decides what happens next, such as a new plan or collections. Edge case: a customer pays two installments at once, so the agent moves the next due date instead of flagging a miss.