Embodiments are directed to managing user associations with service providers. A status value for an association between a user and a service provider may be provided if a user may be non-compliant with one or more terms of the association. Treatment plans for the user may be determined based on the classification of the user. Response information associated with the user may be generated based on execution of the treatment plans such that the user information may be updated based on the response information. During execution of the treatment plans at each evaluation point, result models may be employed to classify the response information or the updated user information. In response to non-compliance by the user with one or more conditions of a current treatment plan, other treatment plans may be determined and executed based on the updated user information.