bad-debt-risk

name	bad-debt-risk
description	Identify overdue invoices most likely heading toward write-off, while a save is still possible. Use when the user asks about bad debt, write-off risk, invoices unlikely to be recovered, or wants to see which AR is at risk of becoming bad debt. Do NOT use for general overdue lists or collections prioritisation.
when_to_use	Trigger on: "bad debt risk", "write-off risk", "which invoices won't get paid", "at-risk receivables", "invoices heading to write-off", "bad debt prevention", "which AR is unrecoverable".

Bad Debt Risk

Surface invoices at high risk of write-off while a save is still possible.

Setup

Resolve org ID via ZohoBilling_List_all_Organizations.

Fetch (run in parallel)

#	Tool	Purpose
1	ZohoBilling_Get_Bad_Debt_Report	Already written-off amounts
2	ZohoBilling_Get_AR_Aging_Details_Report	All overdue invoices with age
3	ZohoBilling_Get_Payment_Failures_Report	Payment failure history
4	ZohoBilling_Get_Subscriptions_Dunning_Report	Active dunning state

Risk scoring

For each overdue invoice compute a write-off risk score (higher = more at risk):

  + 90+ days overdue                              → +40
  + 61–90 days overdue                            → +20
  + 2+ previous payment failures for this customer → +20
  + Currently in dunning and retries exhausted    → +20
  + No payment in last 120 days                   → +15
  − Partial payment received recently             → −15
  − Customer has other active paid subscriptions  → −10

Surface invoices with risk score ≥ 40 as at-risk.

Output

Bad Debt Risk — [date]
Already written off (YTD): $XX,XXX
At-risk receivables: $XXX,XXX across N invoices
────────────────────────────────────────────────────────────────────
 #  Customer              Invoice     Amount    Days   Risk    Save window
────────────────────────────────────────────────────────────────────────
 1  Dead Deal Corp        INV-10011   $18,200   97d    🔴 High   Closing
 2  Struggling Inc        INV-10034   $9,400    78d    🟠 Med    2–3 weeks
 3  Late Payer Ltd        INV-10067   $4,100    65d    🟠 Med    4–5 weeks
────────────────────────────────────────────────────────────────────────

RECOMMENDED SAVE ACTIONS (propose-only):
  🔴 High risk: partial credit-note settlement or payment plan offer
  🟠 Medium risk: payment plan or restructure invoice due date

Constraints

• Only surface invoices with risk score ≥ 40
• "Save window" is an estimate: (90 − days_overdue) days remaining before typical write-off
• Propose-only: no credit notes created, no write-offs applied

Edge cases

• Zero at-risk invoices: "No invoices at high write-off risk 🟢"
• Bad debt report shows prior write-offs: always include YTD bad debt figure as context