- Expédié
- 15 novembre 2026 à 12:44 UTC
- Auteur
- Kamo
- Commit
- da184bc
- GET/PUT /api/los/charge-off/policy (loan_collections_policy, hand-made DDL): the review tier (D120 default, D60 at the earliest), the Form 1099-C amount (lowerable, never above the IRS $600), the default IRS reason, and reminders before a charge-off — an automation, OFF until the lender turns it on. Versioned: a stale save is a 409. Each save is written to the organization settings log (crm_setting_change, key `collections`) with the whole policy before/after; a PUT with undoOf puts an earlier policy back and stamps the original. - The charge-off queue, the confirm (default reason, 1099-C flag) and the year-end 1099-C job read the policy; ReminderSchedulingJob sends CHARGE_OFF_NOTICE every N days while a loan waits for review, only when turned on. - GET **************** : the tax year's charge-offs that will get a 1099-C. - Payments on a CHARGED_OFF loan are recoveries (RECOVERY_POST_CHARGEOFF, nothing allocated, the loan stays charged off) — manual and Stripe-posted; GET **************** lists them. - POST **************** which chosen states a rate/kind breaks; a product save that breaks one is refused with a 409 in plain words ("Texas caps this kind of loan at 18%").