{"id":9204,"date":"2026-06-16T21:45:09","date_gmt":"2026-06-17T02:45:09","guid":{"rendered":"https:\/\/skippingstone.com\/?page_id=9204"},"modified":"2026-07-15T17:06:11","modified_gmt":"2026-07-15T22:06:11","slug":"top-of-the-cliff-resource-hub","status":"publish","type":"page","link":"https:\/\/skippingstone.com\/index.php\/top-of-the-cliff-resource-hub\/","title":{"rendered":"Top of the Cliff Resource Hub"},"content":{"rendered":"<div id='full_slider_1'  class='avia-fullwidth-slider main_color avia-shadow   avia-builder-el-0  el_before_av_layout_row  avia-builder-el-first   container_wrap sidebar_right'  ><div  class='avia-slideshow av-mqhfakta-f120e37be1aa76f2069db6ae38831228 avia-slideshow-no scaling av_slideshow_full avia-slide-slider av-slideshow-ui av-control-default av-slideshow-manual av-loop-once av-loop-manual-endless av-default-height-applied   avia-slideshow-1' data-slideshow-options=\"{&quot;animation&quot;:&quot;slide&quot;,&quot;autoplay&quot;:false,&quot;loop_autoplay&quot;:&quot;once&quot;,&quot;interval&quot;:5,&quot;loop_manual&quot;:&quot;manual-endless&quot;,&quot;autoplay_stopper&quot;:false,&quot;noNavigation&quot;:false,&quot;bg_slider&quot;:false,&quot;keep_padding&quot;:false,&quot;hoverpause&quot;:false,&quot;show_slide_delay&quot;:0}\"  itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><ul class='avia-slideshow-inner ' style='padding-bottom: 37.272727272727%;'><li  class='avia-slideshow-slide av-mqhfakta-f120e37be1aa76f2069db6ae38831228__0  av-single-slide slide-1 slide-odd'><div data-rel='slideshow-1' class='avia-slide-wrap '   ><img decoding=\"async\" fetchpriority=\"high\" class=\"wp-image-9270 avia-img-lazy-loading-not-9270\"  src=\"https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Smart-Measures-resource-hub.jpg\" width=\"1540\" height=\"574\" title='Smart Measures resource hub' alt=''  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Smart-Measures-resource-hub.jpg 1540w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Smart-Measures-resource-hub-300x112.jpg 300w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Smart-Measures-resource-hub-1030x384.jpg 1030w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Smart-Measures-resource-hub-768x286.jpg 768w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Smart-Measures-resource-hub-1536x573.jpg 1536w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Smart-Measures-resource-hub-1500x559.jpg 1500w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Smart-Measures-resource-hub-705x263.jpg 705w\" sizes=\"(max-width: 1540px) 100vw, 1540px\" \/><\/div><\/li><\/ul><\/div><\/div>\n<div id='av-layout-grid-1'  class='av-layout-grid-container av-ft65zo-617aadfcee36d13e393193cec2d07a0c entry-content-wrapper main_color av-flex-cells  avia-builder-el-1  el_after_av_slideshow_full  el_before_av_layout_row  grid-row-not-first  container_wrap sidebar_right'  >\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mqhgi1a3-81b6a1c22e649c7b50a1f625573e100b\">\n.flex_cell.av-mqhgi1a3-81b6a1c22e649c7b50a1f625573e100b{\nvertical-align:middle;\n}\n.responsive #top #wrap_all .flex_cell.av-mqhgi1a3-81b6a1c22e649c7b50a1f625573e100b{\npadding:10px 100px 10px 100px !important;\n}\n<\/style>\n<div class='flex_cell av-mqhgi1a3-81b6a1c22e649c7b50a1f625573e100b av-gridrow-cell av_one_fifth no_margin  avia-builder-el-2  el_before_av_cell_three_fifth  avia-builder-el-first  content-align-middle'  ><div class='flex_cell_inner'><\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mqpq3l9s-ea994cad11cee5f55f6a5960e07eef56\">\n.flex_cell.av-mqpq3l9s-ea994cad11cee5f55f6a5960e07eef56{\nvertical-align:middle;\n}\n.responsive #top #wrap_all .flex_cell.av-mqpq3l9s-ea994cad11cee5f55f6a5960e07eef56{\npadding:10px 30px 10px 30px !important;\n}\n<\/style>\n<div class='flex_cell av-mqpq3l9s-ea994cad11cee5f55f6a5960e07eef56 av-gridrow-cell av_three_fifth no_margin  avia-builder-el-3  el_after_av_cell_one_fifth  el_before_av_cell_one_fifth  content-align-middle'  ><div class='flex_cell_inner'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mqpq0eg4-9d9bcf9441b4117f47d070b8f8a736e8\">\n#top .av_textblock_section.av-mqpq0eg4-9d9bcf9441b4117f47d070b8f8a736e8 .avia_textblock{\nfont-size:16px;\n}\n<\/style>\n<section  class='av_textblock_section av-mqpq0eg4-9d9bcf9441b4117f47d070b8f8a736e8 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p><strong><span style=\"font-size: 20px;\">Welcome to The Top of The Cliff\u2026<\/span><\/strong><\/p>\n<p>Response to the recent Chartwell webinar on how to recognize early stage financial stress in customers, has encouraged the development of this special resource page. Our purpose is to expand the dialog around early identification and the use of advanced technology and behavioral science-driven intervention to augment existing arrears\/collections processes.<\/p>\n<p>Enjoy the videos and articles, and stay tuned and check back to see what&#8217;s new as we continue to build out the library.<\/p>\n<\/div><\/section>\n<\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-67nw7o-9fb34068ff160e4941f8a6ba7e5e7c9a\">\n.flex_cell.av-67nw7o-9fb34068ff160e4941f8a6ba7e5e7c9a{\nvertical-align:top;\n}\n<\/style>\n<div class='flex_cell av-67nw7o-9fb34068ff160e4941f8a6ba7e5e7c9a av-gridrow-cell av_one_fifth no_margin  avia-builder-el-5  el_after_av_cell_three_fifth  avia-builder-el-last  content-align-top'  ><div class='flex_cell_inner'><\/div><\/div>\n<\/div>\n<div id='av-layout-grid-2'  class='av-layout-grid-container av-4k74b8-dfd9fae20afda653f1f7d0da55d829d5 entry-content-wrapper main_color av-flex-cells  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class='av-layout-grid-container av-erpcw4-01b4c151206f3d52dea02aa774ac68a0 entry-content-wrapper main_color av-flex-cells  avia-builder-el-9  el_after_av_layout_row  el_before_av_layout_row  grid-row-not-first  container_wrap sidebar_right'  >\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mqhgid8w-83cee6afebec8d3cedb5231d6f703a7d\">\n.flex_cell.av-mqhgid8w-83cee6afebec8d3cedb5231d6f703a7d{\nvertical-align:top;\n}\n.responsive #top #wrap_all .flex_cell.av-mqhgid8w-83cee6afebec8d3cedb5231d6f703a7d{\npadding:5px 30px 0px 40px !important;\n}\n<\/style>\n<div class='flex_cell av-mqhgid8w-83cee6afebec8d3cedb5231d6f703a7d av-gridrow-cell av_one_half no_margin  avia-builder-el-10  el_before_av_cell_one_half  avia-builder-el-first  content-align-top'  ><div class='flex_cell_inner'><section  class='av_textblock_section av-mqhggb32-eb6f5733c4c9b12acaeaefba83fa4a33 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/TFbp58hlCbo?si=vhruo03YS7k9iQpe\" width=\"560\" height=\"315\" frameborder=\"0\" align=\"right\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<\/div><\/section>\n<\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mqhgmbpd-f5cffa3ae1ad63051d1d8120e9a00275\">\n.flex_cell.av-mqhgmbpd-f5cffa3ae1ad63051d1d8120e9a00275{\nvertical-align:top;\n}\n.responsive #top #wrap_all .flex_cell.av-mqhgmbpd-f5cffa3ae1ad63051d1d8120e9a00275{\npadding:0px 150px 10px 10px !important;\n}\n<\/style>\n<div class='flex_cell av-mqhgmbpd-f5cffa3ae1ad63051d1d8120e9a00275 av-gridrow-cell av_one_half no_margin  avia-builder-el-12  el_after_av_cell_one_half  avia-builder-el-last  content-align-top'  ><div class='flex_cell_inner'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mqhgkk3y-13344293bd028d2e3f65ebc996f75998\">\n#top .av_textblock_section.av-mqhgkk3y-13344293bd028d2e3f65ebc996f75998 .avia_textblock{\nfont-size:16px;\n}\n<\/style>\n<section  class='av_textblock_section av-mqhgkk3y-13344293bd028d2e3f65ebc996f75998 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>For U.S. energy utilities, customer bad debt has become a persistent and costly problem.<br \/>\nDiscover how U.S. utilities are reducing bad debt with AI and behavioral science\u2014identifying financial hardship early and improving collections without added risk.<br \/>\nLearn how to change payment behavior and save customers from drowning in debt.<\/p>\n<ul class=\"benefits\">\n<li>Improved customer engagement<\/li>\n<li>Proactively support vulnerable customers<\/li>\n<li>Improve cashflow<\/li>\n<li>Know your customer debt types<\/li>\n<\/ul>\n<p style=\"text-align: right;\">(1 hour webinar)<\/p>\n<\/div><\/section>\n<\/div><\/div>\n<\/div>\n<div id='av-layout-grid-4'  class='av-layout-grid-container av-4artt0-36207c59765aeac8173e794f1c22fe69 entry-content-wrapper main_color av-flex-cells  avia-builder-el-14  el_after_av_layout_row  el_before_av_layout_row  grid-row-not-first  container_wrap sidebar_right'  >\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2240ro-cba8e0d444d463a52d5be0a6bb64e34e\">\n.flex_cell.av-2240ro-cba8e0d444d463a52d5be0a6bb64e34e{\nvertical-align:top;\n}\n.responsive #top #wrap_all .flex_cell.av-2240ro-cba8e0d444d463a52d5be0a6bb64e34e{\npadding:10px 10px 10px 10px !important;\n}\n<\/style>\n<div class='flex_cell av-2240ro-cba8e0d444d463a52d5be0a6bb64e34e av-gridrow-cell av_one_full no_margin  avia-builder-el-15  avia-builder-el-no-sibling  content-align-top'  ><div class='flex_cell_inner'>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mqhgx9np-bd53984f60777f8883dc94b81b56f242\">\n#top .av-special-heading.av-mqhgx9np-bd53984f60777f8883dc94b81b56f242{\npadding-bottom:10px;\ncolor:#417ba1;\n}\nbody .av-special-heading.av-mqhgx9np-bd53984f60777f8883dc94b81b56f242 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-mqhgx9np-bd53984f60777f8883dc94b81b56f242 .special-heading-inner-border{\nborder-color:#417ba1;\n}\n.av-special-heading.av-mqhgx9np-bd53984f60777f8883dc94b81b56f242 .av-subheading{\nfont-size:15px;\n}\nbody .av-special-heading.av-mqhgx9np-bd53984f60777f8883dc94b81b56f242 .av-special-heading-tag .heading-wrap:before{\nborder-color:#417ba1;\n}\nbody .av-special-heading.av-mqhgx9np-bd53984f60777f8883dc94b81b56f242 .av-special-heading-tag .heading-wrap:after{\nborder-color:#417ba1;\n}\n<\/style>\n<div  class='av-special-heading av-mqhgx9np-bd53984f60777f8883dc94b81b56f242 av-special-heading-h3 custom-color-heading  avia-builder-el-16  avia-builder-el-no-sibling '><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >Shorts<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<div id='av-layout-grid-5'  class='av-layout-grid-container av-btihfo-f655423ecb6cada0a3c0653b55cdee2b entry-content-wrapper main_color av-flex-cells  avia-builder-el-17  el_after_av_layout_row  el_before_av_layout_row  grid-row-not-first  container_wrap sidebar_right'  >\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-7lfqdw-552ac80efea069beec881fde589719d2\">\n.flex_cell.av-7lfqdw-552ac80efea069beec881fde589719d2{\nvertical-align:top;\n}\n.responsive #top #wrap_all .flex_cell.av-7lfqdw-552ac80efea069beec881fde589719d2{\npadding:0px 10px 10px 30px !important;\n}\n<\/style>\n<div class='flex_cell av-7lfqdw-552ac80efea069beec881fde589719d2 av-gridrow-cell av_one_third no_margin  avia-builder-el-18  el_before_av_cell_one_third  avia-builder-el-first  content-align-top'  ><div class='flex_cell_inner'><section  class='av_textblock_section av-5frqis-e39cf2317e207b8e3403f4aab7f738cc '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p><iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/TCDkv_EyKfw?si=OXZpc7OMDUqk1eDS\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<\/div><\/section>\n<\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-43e1wk-004d6238d644c6d62b7b39b05bb553d7\">\n.flex_cell.av-43e1wk-004d6238d644c6d62b7b39b05bb553d7{\nvertical-align:top;\n}\n.responsive #top #wrap_all .flex_cell.av-43e1wk-004d6238d644c6d62b7b39b05bb553d7{\npadding:0px 10px 10px 20px !important;\n}\n<\/style>\n<div class='flex_cell av-43e1wk-004d6238d644c6d62b7b39b05bb553d7 av-gridrow-cell av_one_third no_margin  avia-builder-el-20  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.special-heading-inner-border{\nborder-color:#417ba1;\n}\n.av-special-heading.av-mqhhbity-65f7f67a824ee406a60c2f62e3117430 .av-subheading{\nfont-size:15px;\n}\nbody .av-special-heading.av-mqhhbity-65f7f67a824ee406a60c2f62e3117430 .av-special-heading-tag .heading-wrap:before{\nborder-color:#417ba1;\n}\nbody .av-special-heading.av-mqhhbity-65f7f67a824ee406a60c2f62e3117430 .av-special-heading-tag .heading-wrap:after{\nborder-color:#417ba1;\n}\n<\/style>\n<div  class='av-special-heading av-mqhhbity-65f7f67a824ee406a60c2f62e3117430 av-special-heading-h3 custom-color-heading  avia-builder-el-26  avia-builder-el-no-sibling '><h3 class='av-special-heading-tag '  itemprop=\"headline\"  >Articles<\/h3><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<div id='av-layout-grid-7'  class='av-layout-grid-container av-7krxwk-5d6c47a84bf24dfcfa5da364ecfbc7b0 entry-content-wrapper main_color av-flex-cells  avia-builder-el-27  el_after_av_layout_row  el_before_av_layout_row  grid-row-not-first  container_wrap sidebar_right'  >\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-59jjj8-6dcbdbb95034e08e0783d1238f4c77ad\">\n.flex_cell.av-59jjj8-6dcbdbb95034e08e0783d1238f4c77ad{\nvertical-align:top;\n}\n.responsive #top #wrap_all .flex_cell.av-59jjj8-6dcbdbb95034e08e0783d1238f4c77ad{\npadding:10px 10px 0px 10px !important;\n}\n<\/style>\n<div class='flex_cell av-59jjj8-6dcbdbb95034e08e0783d1238f4c77ad av-gridrow-cell av_one_fourth no_margin  avia-builder-el-28  el_before_av_cell_one_fourth  avia-builder-el-first  content-align-top'  ><div class='flex_cell_inner'><p><section  class='av_textblock_section av-mqhhe09j-8d9de449c22281ea55febe1c1b92cd06 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-9271 size-full aligncenter\" src=\"https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-18-193332.png\" alt=\"\" width=\"936\" height=\"661\" srcset=\"https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-18-193332.png 936w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-18-193332-300x212.png 300w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-18-193332-768x542.png 768w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-18-193332-260x185.png 260w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-18-193332-705x498.png 705w\" sizes=\"auto, (max-width: 936px) 100vw, 936px\" \/><\/p>\n<h4>Why Utility Debt Keeps Rising Even with Mature Collections<\/h4>\n<p>U.S. utility arrears have surged by 40% since 2023, now totaling around $25 billion.<\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mrmmpq87-50ca01234294d7d74cf22a2316f9d145\">\n#top .hr.hr-invisible.av-mrmmpq87-50ca01234294d7d74cf22a2316f9d145{\nheight:20px;\n}\n<\/style>\n<div  class='hr av-mrmmpq87-50ca01234294d7d74cf22a2316f9d145 hr-invisible  avia-builder-el-30  el_after_av_textblock  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<section  class='av_textblock_section av-av_textblock-027aa0d5e2565f1df3ffea92ee1b3453 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-9326 size-medium aligncenter\" src=\"https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/07\/Screenshot-2026-07-07-112610-300x212.jpg\" alt=\"\" width=\"300\" height=\"212\" srcset=\"https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/07\/Screenshot-2026-07-07-112610-300x212.jpg 300w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/07\/Screenshot-2026-07-07-112610-768x543.jpg 768w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/07\/Screenshot-2026-07-07-112610-260x185.jpg 260w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/07\/Screenshot-2026-07-07-112610-705x498.jpg 705w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/07\/Screenshot-2026-07-07-112610.jpg 930w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<h4>Predict Before You Chase: A New Model for Managing Arrears<\/h4>\n<p>Most utilities know when a customer is already in arrears. The harder question is whether they can see which customers are heading there before the debt becomes significant enough to say so.<\/p>\n<\/div><\/section><\/p>\n<\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-3y0alg-6de65cc50e6dec563ef69458b702d5fe\">\n.flex_cell.av-3y0alg-6de65cc50e6dec563ef69458b702d5fe{\nvertical-align:top;\n}\n.responsive #top #wrap_all .flex_cell.av-3y0alg-6de65cc50e6dec563ef69458b702d5fe{\npadding:10px 10px 10px 10px !important;\n}\n<\/style>\n<div class='flex_cell av-3y0alg-6de65cc50e6dec563ef69458b702d5fe av-gridrow-cell av_one_fourth no_margin  avia-builder-el-32  el_after_av_cell_one_fourth  el_before_av_cell_one_fourth  content-align-top'  ><div class='flex_cell_inner'><p><section  class='av_textblock_section av-mqhhimya-fa1a4232240ebc1e64430e019fe57df3 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-9274 size-full aligncenter\" src=\"https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Article-2-image.png\" alt=\"\" width=\"947\" height=\"671\" srcset=\"https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Article-2-image.png 947w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Article-2-image-300x213.png 300w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Article-2-image-768x544.png 768w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Article-2-image-260x185.png 260w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Article-2-image-705x500.png 705w\" sizes=\"auto, (max-width: 947px) 100vw, 947px\" \/><\/p>\n<h4>The Moment that Changes Everything: The Missed Payment<\/h4>\n<p>The fork in the road. Most utilities are only looking at one path.<\/p>\n<\/div><\/section><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mrawkwaz-fc2359896455e7782706c2e974936ce7\">\n#top .hr.hr-invisible.av-mrawkwaz-fc2359896455e7782706c2e974936ce7{\nheight:20px;\n}\n<\/style>\n<div  class='hr av-mrawkwaz-fc2359896455e7782706c2e974936ce7 hr-invisible  avia-builder-el-34  el_after_av_textblock  el_before_av_textblock '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br \/>\n<section  class='av_textblock_section av-mrawdr88-dbc81ac6810e9db28789c07d098f54ef '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-9341 size-medium aligncenter\" src=\"https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/07\/Collections-to-Prevention-300x212.png\" alt=\"\" width=\"300\" height=\"212\" srcset=\"https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/07\/Collections-to-Prevention-300x212.png 300w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/07\/Collections-to-Prevention-260x185.png 260w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/07\/Collections-to-Prevention-705x499.png 705w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/07\/Collections-to-Prevention.png 765w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<h4>From Collections to Prevention: What Leading Utilities Are Doing Differently<\/h4>\n<p>The previous four articles in this series have described the problem, the moment that matters, the psychology behind disengagement, and the model that makes earlier intervention possible. The question this final article must answer is harder: What does the shift actually look like when a utility makes it?<\/p>\n<\/div><\/section><\/p>\n<\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-2wphjo-a128e65f8e3e0f5ae5ca6d1c6b572dd6\">\n.flex_cell.av-2wphjo-a128e65f8e3e0f5ae5ca6d1c6b572dd6{\nvertical-align:top;\n}\n.responsive #top #wrap_all .flex_cell.av-2wphjo-a128e65f8e3e0f5ae5ca6d1c6b572dd6{\npadding:10px 10px 10px 10px !important;\n}\n<\/style>\n<div class='flex_cell av-2wphjo-a128e65f8e3e0f5ae5ca6d1c6b572dd6 av-gridrow-cell av_one_fourth no_margin  avia-builder-el-36  el_after_av_cell_one_fourth  el_before_av_cell_one_fourth  content-align-top'  ><div class='flex_cell_inner'><section  class='av_textblock_section av-mqhhllxz-73bad45634f94cdd08cd47218bc04db4 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-9273 size-full aligncenter\" src=\"https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-18-193653.png\" alt=\"\" width=\"936\" height=\"663\" srcset=\"https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-18-193653.png 936w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-18-193653-300x213.png 300w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-18-193653-768x544.png 768w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-18-193653-260x185.png 260w, https:\/\/skippingstone.com\/wp-content\/uploads\/2026\/06\/Screenshot-2026-06-18-193653-705x499.png 705w\" sizes=\"auto, (max-width: 936px) 100vw, 936px\" \/><\/p>\n<h4>Why Customers in Hardship Go Quiet and What It Takes to Reach Them<\/h4>\n<p>The gap between struggling and seeking help is widening. If the problem were simply awareness, that gap would be closing.<\/p>\n<\/div><\/section>\n<\/div><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-1zha9w-c15c77d37775b850fe8fce0f536800f4\">\n.flex_cell.av-1zha9w-c15c77d37775b850fe8fce0f536800f4{\nvertical-align:top;\n}\n.responsive #top #wrap_all .flex_cell.av-1zha9w-c15c77d37775b850fe8fce0f536800f4{\npadding:10px 10px 10px 10px !important;\n}\n<\/style>\n<div class='flex_cell av-1zha9w-c15c77d37775b850fe8fce0f536800f4 av-gridrow-cell av_one_fourth no_margin  avia-builder-el-38  el_after_av_cell_one_fourth  avia-builder-el-last  content-align-top'  ><div class='flex_cell_inner'><section  class='av_textblock_section av-mqpk7ets-bf7e2f7725c8b170a34158ecdbcb25c5 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Please submit this form to download the article(s).<\/p>\n<p><script type='text\/javascript' src='https:\/\/cp359.infusionsoft.com\/app\/form\/iframe\/273d8e2c51dfbca854741c7014c3047a'><\/script><\/p>\n<\/div><\/section>\n<\/div><\/div><\/div><div id='av-layout-grid-8'  class='av-layout-grid-container av-mqk8adll-dbfdb362021249e857b6c21f311ee1dc entry-content-wrapper alternate_color av-flex-cells  avia-builder-el-40  el_after_av_layout_row  avia-builder-el-last  grid-row-not-first  container_wrap sidebar_right'  >\n<div class='flex_cell av-1z7fc4-347ef9cf377e273fe87368e3864c792f av-gridrow-cell av_one_full no_margin  avia-builder-el-41  avia-builder-el-no-sibling '  ><div class='flex_cell_inner'><\/div><\/div>\n<\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-blank.php","meta":{"footnotes":""},"class_list":["post-9204","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/skippingstone.com\/index.php\/wp-json\/wp\/v2\/pages\/9204","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/skippingstone.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/skippingstone.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/skippingstone.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/skippingstone.com\/index.php\/wp-json\/wp\/v2\/comments?post=9204"}],"version-history":[{"count":55,"href":"https:\/\/skippingstone.com\/index.php\/wp-json\/wp\/v2\/pages\/9204\/revisions"}],"predecessor-version":[{"id":9340,"href":"https:\/\/skippingstone.com\/index.php\/wp-json\/wp\/v2\/pages\/9204\/revisions\/9340"}],"wp:attachment":[{"href":"https:\/\/skippingstone.com\/index.php\/wp-json\/wp\/v2\/media?parent=9204"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}