Counsel-Ready Packet Index — the 12 items counsel needs before acting.
Before a balance moves to counsel, every live engagement produces a packet index scored against a 12-item rubric. This redacted replica shows the rubric, scoring logic, and readiness gate in full.
Readiness at a glance.
Five observations. Each one maps to a rubric item in Section 3.
- Overall readiness score: [REDACTED]/12 against the 9.0 threshold counsel requires.
- Three items below 0.5: itemized statement hygiene, signed-contract attachment, escalation-notice trail.
- Four items above 0.8: entity identification, payment history, dispute log, prior correspondence.
- [REDACTED] balances in the sample; [REDACTED]% pass the 9.0 threshold without remediation.
- Remediation time to 9.0 averages [REDACTED] days per balance in the sample.
Rubric — 12 items.
Each item scored 0–1. Counsel-acceptance threshold is total 9.0/12. Items are weighted equally; no single item can be waived.
- 1. Entity identification — legal names match on all documents.
- 2. Signed contract — executed agreement attached, not a template.
- 3. Itemized statement — single source-of-truth invoice reconciled to the ledger.
- 4. Payment history — complete record with method, date, amount.
- 5. Aging context — how the balance reached its current bucket.
- 6. Dispute log — open or resolved items with timestamps and owners.
- 7. Prior correspondence — full exchange in date order.
- 8. Escalation notice trail — notices sent at 30/60/90, with delivery confirmation.
- 9. Payer mix — if multi-party, allocation across payers documented.
- 10. Compliance artifacts — any regulated disclosures attached (HIPAA NPP where applicable).
- 11. Jurisdiction context — state, venue, relevant statute notes.
- 12. Statute-of-limitations check — internal timestamp of SOL tail.
Item-by-item findings.
Sample of the live finding format: each item scored, observation, remediation, expected lift.
Finding 3.1 — Itemized statement
Score [REDACTED]/1. Observation: [REDACTED]% of statements are batched, not itemized per service date. Remediation: regenerate itemized per escalation threshold. Expected lift: +[REDACTED] points across the portfolio.
Finding 3.2 — Signed contract
Score [REDACTED]/1. Observation: signed contract missing on [REDACTED]% of balances because the operator uses click-through + e-signature across sites but records differ. Remediation: pull e-signature audit trail as attachment. Expected lift: +[REDACTED] points.
Finding 3.3 — Escalation notice trail
Score [REDACTED]/1. Observation: notices exist but delivery confirmations not archived. Remediation: route notices through a provider with confirmation artifact. Expected lift: +[REDACTED] points.
Finding 3.4 — Statute-of-limitations check
Score [REDACTED]/1. Observation: SOL check done manually per balance, not baked into the packet. Remediation: embed SOL field with automatic flag at 60 / 30 / 14 days to tail. Expected lift: compliance, not points.
Gate threshold.
The 9.0/12 gate is fixed by counsel acceptance practice. Balances below the gate either remediate or stay in-house.
- Balances at gate today
- [REDACTED]%Ready to hand off without remediation
- Balances within one week
- [REDACTED]%Remediable under the existing workflow
- Balances beyond one week
- [REDACTED]%Structural remediation needed before next cycle
- Expected portfolio gate rate after 90 days
- [REDACTED]%With the remediation sequence in Section 5
Remediation sequence.
The sequencing that most often lifts portfolio gate rate from the starting point to target within 90 days.
Days 1–15
Itemized statement regeneration + signed contract audit
Highest-leverage items; two-week deploy with audit trail.
Days 16–45
Escalation-notice trail + delivery confirmation
Route through a provider. Archive confirmations as structured artifact.
Days 46–90
SOL automation + monthly portfolio gate report
Embed SOL field. Stand up a recurring gate-rate scorecard for leadership.
Out of scope.
Narrow by design.
- No legal representation or legal advice.
- No debt-collection activity or customer contact.
- No modification of the underlying contract language.
- No warranty that any specific balance succeeds in enforcement.
- No guarantees of any particular gate rate or collection recovery.
- No handling of regulated data on VitaCoreX-owned infrastructure.