If at any time an account is marked that a payment arrangement (manual or PTP or PTC) has been made
none of the below should occur.
If a customer promises to contact us on a certain date, we should have a reminder to go to them on that
date reminding them to reach out with however method they communicated with us. For example, if
the promise to call was made by phone, then there should be a task for a collector to call them or an
automatic call be made for them to push 1 to speak to someone. If they texted or emailed us that they
were going to contact us, then we should send them a reminder by text if it was test or an email if it was
by email. If they failed to contact us as promised, then the collections process below should resume
based on how many days they are past due.
If said payment arrangement is returned or x amount of days (to be determined by tenant) has gone by
without promised to pay payment not received or promised to contact not made, then collections
proceed from last one completed.
Step 1:
1 day past due
Text to be sent
Hi. Just reaching out about your account in our office here at JP Financial. If you could contact us at 1-
866-203-2136 at your earliest convenience that would be greatly appreciated. Thank you!
2 days past due
e-mail to be sent Subject: Account Past Due
Hello [Both First Names],
There was an issue with your payment for your loan with JP Financial. Please contact our office as soon
as possible to bring your account up to date.
Sincerely,
----- OR -----
Hello [Both First Names],
Just a reminder to please send in your payment for JP Financial today. Please disregard if the payment
has already been sent.
Sincerely,
3 days past due
Message to be left on main numbers
5 days past due
Blocked call to be made on main numbers (no message to be left)
12 days past due
Message to be left on main numbers
18 days past due
Text to be sent Hi. Just reaching out about your account in our office here at JP Financial. If you could
contact us at 1-866-203-2136 at your earliest convenience that would be greatly appreciated. Thank you
22 days past due
e-mail to be sent Subject: Account Past Due
Hello [Both First Names],
There was an issue with your payment for your loan with JP Financial. Please contact our office as soon
as possible to bring your account up to date.
Sincerely,
----- OR -----
Hello [Both First Names],
Just a reminder to please send in your payment for JP Financial today. Please disregard if the payment
has already been sent.
Sincerely,
26 days past due
Message to be left on main numbers
31 days past due
Letter to be sent – Letter 1
Step 2:
32 days past due
Text to be sent Hi. Just reaching out about your account in our office here at JP Financial. If you could
contact us at 1-866-203-2136 at your earliest convenience that would be greatly appreciated. Thank you
33 days past due
e-mail to be sent Subject: Account Past Due
Hello [Both First Names],
There was an issue with your payment for your loan with JP Financial. Please contact our office as soon
as possible to bring your account up to date.
Sincerely,
----- OR -----
Hello [Both First Names],
Just a reminder to please send in your payment for JP Financial today. Please disregard if the payment
has already been sent.
Sincerely,
34 days past due
Message to be left on main numbers
35 days past due
Blocked call to be made on main numbers (no message to be left)
42 days past due
Message to be left on main numbers
48 days past due
Text to be sent Hello [Both First Names]: We have been trying to reach you regarding your account here
in our office at J.P. Financial Inc. It is important to let us know when things change so we can work
with you. Please contact us at 1-866-203-2136 to make new payment arrangements. Thank you,
J.P. Financial Inc. 1-866-203-2136
52 days past due
e-mail to be sent Subject: Account Past Due
Hello [Both First Names],
There was an issue with your payment for your loan with JP Financial. Please contact our office as soon
as possible to bring your account up to date.
Sincerely,
----- OR -----
Hello [Both First Names],
Just a reminder to please send in your payment for JP Financial today. Please disregard if the payment
has already been sent.
Sincerely,
56 days past due
Message to be left on main numbers
62 days past due
Letter to be sent – Letter 2
Step 3:
63 days past due
Text to be sent and e-mail to be sent Subject: We will work with you.
Hello [Both First Names],
RE: Account Number [Account Number] - [Item Type]
Your payments are being returned by your financial institution. We recognize that times may be
challenging, and we are willing to work with you to develop a solution that fits your budget while
helping to bring your account back on track.
Our goal is to assist our customers in rebuilding their credit and finding solutions that meet their needs.
Please contact our office at your earliest convenience to discuss your options. We appreciate your
prompt attention to this matter and look forward to assisting you.
Sincerely,
----- OR -----
Hello [Both First Names],
RE: Account Number [Account Number] - [Item Type]
We understand that you requested an alternative payment method; however, we have not received a
payment since [Last Good Payment]. We recognize that times may be challenging, and we are willing to
work with you to develop a solution that fits your budget while helping to bring your account back on
track.
Our goal is to assist our customers in rebuilding their credit and finding solutions that meet their needs.
Please contact our office at your earliest convenience to discuss your options. We appreciate your
prompt attention to this matter and look forward to assisting you.
Sincerely,
Manager to set Random Payment (need a way to have this assigned to users)
65 days past due
Message to be left on main numbers
Re-try any old numbers and leave message
66 days past due
Blocked call to be made on main numbers (no message to be left)
68 days past due
Call POE (notification set up for whoever is a collector
72 days past due
Call References
Call Landlord
75 days past due
Pull Credit Report for any new contact information ie: new phone numbers, new addresses, etc.
e-mail to be sent (to every problem there is a solution)
76 days past due
Message to be left on main numbers
78 days past due
Text to be sent
e-mail to be sent Subject: To every problem there is a solution.
Hello [Both First Names],
We have not received a response to either of our previous notices. We understand if you are
undergoing financial difficulties, this is a reminder that we are still willing to work with you on this
account. To every problem there is a solution. We need you to help us; help you by contacting our
office immediately.
Sincerely,
----- OR -----
Hello [Both First Names],
We have not received a response to either of our previous notices. We would like to remind you that
this is a secured personal loan with the year make model. We understand if you are undergoing
financial difficulties, but please know that we are still willing to work with you on this account. To every
problem there is a solution. We need you to help us; help you by contacting our office immediately.
Sincerely,
Manager to set Random Payment (if applicable)
80 days past due
Blocked call to be made on main numbers (no message to be left)
Blocked call to References (no message to be left)
Blocked call to Landlord (no message to be left)
85 days past due
Message to be left on main numbers
92 days past due
Letter to be sent – Letter 4
Step 4:
93 days past due
Text to be sent To be determined…
e-mail to be sent Subject: Urgent
Attention: [Both Full Names]
RE: Account Number [Account Number] - [Item Type]
Please be advised we have not been able to reach you by telephone. We would like to alert you to the
fact that we have not received payment since [Last Good Payment], and your account is past due in the
amount of [Arrears].
We value our customers and make every attempt to work with them. However, because you have failed
to honour the contractual obligations and made no attempt at payment or communication with us, we
regretfully are forced to demand the past-due amount in full. Acceptable payment methods are pre-
authorized debit, Visa, MasterCard, Interac e-Transfer, or online payments.
If you want to discuss your account, please call us Monday to Friday from 10AM to 6PM PST at 1-866-
203-2136 or you can reply to this e-mail.
Your prompt response to prevent further action on our part will be greatly appreciated.
Please govern yourself accordingly.
Sincerely,
Manager to set Random Payment
94 days past due
Message to be left on main numbers
95 days past due
Blocked call to be made on main numbers (no message to be left)
97 days past due
Call POE
Possible Facebook and/or LinkedIn Searches
104 days past due
Call References
Call Landlord
110 days past due
Message to be left on main numbers
112 days past due
Text to be sent To be determined…
e-mail to be sent To be determined…
Manager to set Random Payment (if applicable)
114 days past due
Blocked call to be made on main numbers (no message to be left)
Blocked call to References (no message to be left)
Blocked call to Landlord (no message to be left)
120 days past due
Pull PPSA
Pull Credit Report
Message to be left on main numbers
Re-try any old numbers and leave message
122 days past due
Letter to be sent (Demand) – Letter 5
e-mail to be sent The body of letter 5 in the email with Subject: RE: [Account Number]
Step 5:
123 days past due
Blocked call to be made on any old numbers (no message to be left)
125 days past due
Review the file – view documents, comments etc., for pertinent information
129 days past due
Leave detailed message on any good numbers
131 days past due
Call POE
133 days past due
Call References
Call Landlord
134 days past due
Detailed e-mail to be sent
136 days past due
Text from Managers Work Phone
140 days past due
Blocked call (the only time a message should be left on a blocked call)
142 days past due
11 days left e-mail to be sent
Text to be sent
144 days past due
Blocked call to be made on main numbers (no message to be left)
148 days past due
5 days left e-mail to be sent
151 days past due
Blocked call to be made on main numbers (no message to be left)
152 days past due
Text from Managers Work Phone – Last Day
e-mail from Managers – Last Day
153 days past due
Text from Managers Work Phone - ?
154 days past due
Final management review for Charge Off
An additional letter will be mailed out each month to clients whose payments are clearing each month
or somewhat clearing, but are not catching up their amount past due. This way they are informed that
their credit is getting rated from I2-I5 unless they catch up their arrears. This could also go out with
automated phone calls where they press one to speak to a representative or by text and email. Still to
be decided.
