A Promise To Pay Insulates Overdue Debt From The Account Debt Monitor (ADM)

A promise to pay's scheduled payments are used by the account debt monitor as "pseudo payments" that relieve the account's debt before it is subjected to the collection criteria (refer to How Does The Account Debt Monitor Work for more information about collection criteria).

It's important to understand that a promise to pay only insulates the account's debt that belongs to the promise to pay's debt class. Therefore, if a customer has debt that belongs to two debt classes (e.g., normal debt and 3 ^rd party pass through debt), you would need to set up a separate promise to pay for each debt class (assuming both types of debt are covered by a promise to pay). Refer to Different Collection Criteria For Different Customers and Different Debt for more information about debt classes.