Side-by-Side Comparison
The most important difference between pausing and cancelling is what happens to your data. Everything else flows from that.
How Pausing Works
Pausing is a per-debtor feature, not an account-wide toggle. Each debtor in your list has a pause control on their record. When you pause a debtor:
- That debtor is excluded from continuous monitoring and all future automated scans
- Their entry in your debtor list is clearly marked as "Paused"
- All of their existing alerts, sweep history, and configuration remain exactly as they were
- Their seat is removed from your active billable count — your next invoice will be lower by one seat for each debtor you pause
- Manual sweeps are also disabled while a debtor is paused
Resuming is equally simple: toggle the pause off, and the debtor re-enters the normal sweep schedule immediately. No re-entry of any information is required.
Pause all of your debtors rather than cancelling. This drops your effective bill to zero active seats — because you're only billed for active, unpaused debtors — while preserving your entire monitoring history. You can resume any debtor at any time without starting over.
When Pausing Is the Right Choice
Pausing is almost always preferable to cancelling unless you are completely done with a judgment. Consider pausing when:
- A payment plan is active on the judgment — the debtor is making payments and you don't need active monitoring right now, but you want to watch if they stop
- The case is under appeal — monitoring during appeal may not be productive, but you'll want the history intact when the appeal resolves
- You're temporarily over budget — pause high-cost debtors while keeping priority ones active
- You want to prioritize certain debtors — pause inactive cases while focusing resources on the ones most likely to produce results
- You need a break and expect to resume — any situation where "I'll want this data again later" applies
When Cancellation Is the Right Choice
Cancellation makes sense only when you are truly done — when there is no scenario in which you'd want to resume monitoring or access your alert history again:
- The judgment has been fully satisfied — you've collected the full amount and the case is closed
- You no longer need the service at all — you've decided not to pursue this judgment further, for any reason
- You're switching to a different tool — you've exported or noted everything relevant and are moving on
Once your billing period ends after cancellation, all debtor records and alert history are deleted permanently. If you cancel and later change your mind, you will start completely fresh with no prior monitoring history — even if you re-subscribe quickly. When in doubt, pause rather than cancel.
Billing Impact: Pausing vs. Cancelling
Both options can reduce what you pay — but they work differently.
Pausing reduces your active debtor count
Pausing a debtor frees up a slot in your plan's debtor limit. This is useful when you need to add a new debtor but are at your plan's cap — pausing an inactive one makes room. If budget is the concern, pausing all debtors may allow you to downgrade to a lower tier on renewal.
Cancelling stops all billing at period end
When you cancel, no further charges are made after your current billing period ends. However, you do not receive a prorated refund for any remaining days in the period. You retain access through the end of the period you've paid for.
No mid-cycle credit for pausing
Like cancellation, pausing a debtor mid-cycle does not generate an immediate credit for the current period. The billing adjustment takes effect on your next invoice. If you need to reduce spend within the current period, pausing still reduces your next bill — it just won't retroactively credit the current one.
The Bottom Line
If there's any chance you'll want your monitoring history, data, or the ability to quickly resume — pause, don't cancel. Cancellation is a one-way door for your data. Pausing is reversible in seconds.
Cancellation should be reserved for situations where the judgment is completely resolved and you're certain you have no further use for the service. In every other situation — budget pressure, temporary break, shifting priorities — pausing all your debtors achieves the same billing result without the data loss.
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