Dunning

Dunning Definition: Dunning is the systematic, escalating process of communicating with borrowers to collect overdue debt. A 'Dunning Sequence' is a pre-defined timeline determining when to send SMS, WhatsApp, AI voice calls, or physical letters based on the days past due.

Why it matters in Debt Collection

• Begins with gentle reminders (pre-date) and escalates to firm demands.
• Modern platforms automate omnichannel dunning to thousands of accounts simultaneously.
• A well-structured dunning workflow drastically prevents Day 1 defaults from migrating to Day 30.