Person Level Delinquency Process

To create a delinquency process at the person level, the system requires the following collection details of the person:

  • Collection Class - Used to control how the person's debt is compared against collection criteria (i.e. tolerance limit) to determine whether a collection process (such as delinquency process) should be initiated for the person. A new collection method named Self-Control Delinquency is available while defining a collection class. It is used to create a distinct or separate delinquency process for the persons who belong to the collection class. You can specify the collection class for a person from the user interface or through a health care inbound message.

    If you want to evaluate the debt of the person's accounts, its child persons, and the child persons' accounts while monitoring the person's delinquency, you must set the collection method of their respective collection class to Parental Delinquency. If you set the collection method of the collection class for any of the person's account, any of its child person, or child persons' accounts to Self-Control Delinquency, the system does not consider the debt of the respective entity while monitoring the delinquency of the parent person.

    Note:

    If you do not want to initiate delinquency process for a child person or an account, ensure that the person or account belongs to a collection class where the collection method is set to Not Eligible for Collection.

    If the collection class is not defined for a person, the system skips the person while monitoring the delinquency.

  • Next Credit Review Date - Used to indicate the date when the person should be considered for monitoring the delinquency. The system calculates the next credit review date for the account on the following system events:

    • Bill Completion

    • Payment Cancellation (due to Non-Sufficient Funds)

    • Active Overdue Process Review

    • Match Event is Added, Changed, or Deleted

    • Payment Freeze

    • Payment Agreement Request or Promise to Pay is Broken or Canceled

    • Written Off Bill is Reversed

    If the collection method in the account's collection class is set to Parental Delinquency, the system automatically traverses up the hierarchy and checks whether the collection method in the collection class of its main customer or any of its parent person in the hierarchy is set to Self-Control Delinquency. If so, the system sets the next credit review date of the person to the account's next credit review date. The next credit review date of the person is stored in the C1_​PER_​RVW_​SCH table.

  • Postpone Credit Review Until

    - Used when you want to review the person's debt after a particular date. The system will consider the person for monitoring the delinquency only after the specified date. You can specify the postpone credit review until date for a person through a health care inbound message.

  • Credit Rating

    - Used to indicate the credit rating of the person. It is calculated by adding the credit rating of all the accounts where the person is the main customer. The system then considers the sum of person's credit rating and credit rating threshold (defined in the installation options) to determine whether determine whether the person's debt should be monitored for delinquency.

  • Minimum Credit Review Frequency

    - Used to indicate the frequency at which the persons belonging to the respective collection class should be monitored for delinquency. In other words, it indicates in how many days the system should review whether the bills of the persons are overdue. You can specify the minimum credit review frequency for a delinquency control of a collection class from the user interface.

  • Last Credit Review Date

    - Used to indicate the date when the person's debt was last reviewed. The system stamps the last credit review date against a person when a delinquency process is initiated for the person through the C1-PRDLQ batch.

  • Drag Days

    - Used to specify additional grace days (if any) offered at the person level. These drag days are considered while calculating the grace end date when the trigger date calculation mode (in the respective delinquency process type) is set to Latest Bill Due Date with Grace Period. For example, if the latest bill due date is 05-Jan-2024, grace period is set to 5 days (in the respective delinquency process type), and drag days is to 10 days (for the respective person), then the grace end date for the person is set to 20-Jan-2024.