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Step 1 of 4 ยท Choose a situation
Debt Collection
Insurance
Healthcare
Past due
Auto premium past due, cancellation notice mailed
Verify with one item, exact cancellation date stated once, pay today or schedule before the date, never extend it.
Retention
Homeowners, autopay card expired, can't pay the semi-annual by the date
The rescue that keeps a $1,236 policy: fix the failed autopay or switch the term to monthly installments.
Reinstatement
Policy already cancelled for non-payment, wants coverage back
No coverage in force. Reinstatement is a request to underwriting, never a promise; the no-loss statement is required.
Reminder
Current policy, installment due in 10 days, card on file has expired
The proactive call insurers don't make today. Zero cancellation language; the value is the card fix and the autopay authorization.
Early rescue
Autopay returned two days ago, no notice issued yet
Catch involuntary churn in the first 72 hours. States the reason on file and that no notice exists; never a cancellation date.
Waiting for you to pick a situation
All accounts and names are fictional and mocked.
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