Settlements

The settlement (quita) workflow allows operators to propose discounted payoff offers to resolve accounts for less than the full balance.

How It Works

1. Navigate to an account detail and find the Settlements card.
2. Click Propose to create a new settlement offer with the discounted amount and optional notes.
3. If the discount exceeds the strategy's maximum allowed discount (max_discount_pct in negotiation parameters), the offer is flagged as pending approval and requires an admin to approve it.
4. Once proposed (or approved), the offer can be accepted — which updates the account's pending balance to the offered amount — or rejected.

Settlement Statuses

Status	Description
Proposed	Offer created, within discount limits
Pending Approval	Discount exceeds strategy limits, needs admin approval
Approved	Admin approved the high-discount offer
Rejected	Offer was rejected
Accepted	Debtor accepted, account balance updated to the offered amount
Expired	Offer expired without action

API Access

POST /api/admin/accounts/:accountId/settlements
GET  /api/admin/accounts/:accountId/settlements
PATCH /api/admin/settlements/:id

See the API Reference for details.