Enter the details for the account you're reviewing
Enter the details for the receivable you’re reviewing. The sections below surface signals that often emerge as accounts move from early friction toward structural risk.
What this structure provides
Structured observation of risk signals · Defensible documentation · Clearer escalation timing · Exportable review summary
There are no right or wrong answers here. The goal is to capture context accurately.
Early Detection Phase
Credit capacity exists only under ideal conditions
Risk is intentionally being externalized
Operating history insufficient to evaluate payment patterns
Transparency is being selectively withheld
Cooperation is conditional rather than standard
Warning Phase
Agreement compliance no longer enforced by client behavior
Communication being deliberately deferred after acknowledgment
Commitments made without consequence when broken
Objections used as delay tactics rather than legitimate concerns
Credit availability contracting across multiple vendors
Payment capacity declining without formal renegotiation
Critical Phase
Cash settlement terms actively rejected despite escalation
Dialogue abandoned entirely across multiple attempts
Pattern of unreliable commitments now established
Escalation producing no behavioral change
Formal documentation intentionally avoided repeatedly
Severe Phase
Primary contact channels no longer operational
Physical presence at known addresses cannot be verified
Misrepresentation intentional from transaction outset
Control transferred to court-appointed administration
Entity relocated without notice or forwarding information
Review the indicators below to build your assessment.
Developed by JSD Management Inc.
How this assessment works
Enter the customer account information you're evaluating
Check all warning signs that apply to this specific account
Add dates, notes, and your planned actions for each warning sign
Download the professional report to present to management
