Collections
past due queues - promises - restrictions - compliant outreach
Demo fallbackComms fallbackPromises fallback
Past due
47
12.2% of book
Seed deliveries
2
reminders, returns, promises
No-contact
2
policy blocked
| Customer | Loan | Days past due | Balance | Signal | Action |
|---|---|---|---|---|---|
| #57941 - 19d | Devon Ortega | ACH return | $120.00 | - | - |
Promise-to-pay board
active promises stay calendar-derived as of 2026-07-14; explicit resolutions are final
| Customer | Loan | Amount | Due | Collector | Status | Action |
|---|---|---|---|---|---|---|
| Devon Ortega | #57941 past due | $530.00 | 2026-05-10 | Lin Park | Broken |
Resolved promises
explicit kept / broken / withdrawn resolutions - attributed, evidence-backed, and final over the calendar
0 kept0 withdrawn0 resolved
| Customer | Loan | Amount | Was due | Outcome | Resolved by | Evidence |
|---|---|---|---|---|---|---|
| No resolved promises yet | - | - | - | - | - | - |
Contact restrictions
consent, quiet hours, and channel blocks before outreach
| Customer | Restriction | Reason | Allowed | State |
|---|---|---|---|---|
| Renata Volkov | electronic_communications | Portal + mail | Blocked | |
| Devon Ortega | phone | Do-not-contact flag | Email + portal | Blocked |
Collections communications
seed-provider reminders, return notices, promise confirmations, consent results, and evidence
| Customer | Template | Channel | Status | Consent | Evidence |
|---|---|---|---|---|---|
| Marcus Reyes #58044 | Payment reminder | sms | delivered | allowed | comms/deliveries/58044/payment-reminder.json |
| Renata Volkov #57702 | ACH return notice | blocked | blocked_electronic_consent_revoked | comms/deliveries/57702/blocked-email.json |
Collections send shortcuts
seed-provider outreach from collections context with consent and evidence
Payment reminder - Collections outreach and consent evidence
Collections strategy matrix
stage-based treatment with compliant outreach limits and escalation routing
| Stage | Treatment | Touch cap | Compliance control |
|---|---|---|---|
| 1-7 DPD | Reminder + self-serve link | 2 touches | No fee language |
| 8-15 DPD | Agent call + promise capture | 3 touches | Consent gate |
| 16-30 DPD | Hardship screen + notice review | 4 touches | Manager queue |
| 31+ DPD | Charge-off prevention | Manual only | Legal hold check |