The General category allows users to set up default options
Pad Minimum By and - Select to pad minimum payments by (1) an amount (2) a percentage (3) both. For example:
A client’s balance is $1000. A creditor requires 10% of the balance as a minimum payment. The agency pads the minimum by 10%, and then pads by $5. In this instance the minimum amount displayed is: 100 (10% of balance) + 10 (10% of minimum amount) + 5 (whole dollar padding) Minimum Payment = $115
Popup When MC is Changed - If the Popup when MC Changed field contains data and the Monthly Contribution amount is changed on the Client screen, a popup is displayed with the text specified in this field.
Client Status on Completion - When the last account is PAID IN FULL for a client the status is automatically changed to the status selected here, the following conditions must be met: the Balance is null, Unpaid Points are repeat for ever and it's a Internal creditor If the payment is undone that originally changed the client's status it will prompt the user to reactivate the client and pick the client status. To not use this feature set the status to "Not Set".
Client Reactivation Status - When adding an account to a client who is inactive the system will change the client status to the status specified here. 26559
Show Inactive Clients - When selected, inactive clients are displayed by default when searching on the Client & Global Search screens.
Show Inactive Creditors - If selected, inactive creditors are shown on the Creditor screen.
Hide Inactive Accounts – If selected, inactive accounts are not shown on the Client Creditor List by default. To see inactive accounts, deselect the box on the client accounts screen.
Show "Screen Open" - This option is only displayed on the Client Log screen if the Log Form Open is turned ON within the Security section. When the Client Log screen is opened from the Client screen, ’Screen Open’ records are hid den by default. If the Show Screen Open option is selected on the Setup, the ‘Screen Open’ records are displayed when users open the Client Log screen. If the LOG FORM OPEN is turned ON: From the Client Log screen, regardless of the default setting in the setup, selecting the Show Screen Open located at the top of the screen displays the ‘Screen Open’ records. If Log Form Open is turned off, the option is not available.
Choose Note Font - If selected, users are able to select a font and font size when entering notes.
Show FS in Client Payment Screen - If selected, the default is set to show Fair Share on the Client Payments screen.
Show Operating entries in client screen by default - If selected, receipts and payments linked to the Operating Bank account are shown by default otherwise the user can select to see them in the Options menu.
Default to Monthly – If selected, the monthly column is updated each time amounts are changed in the defaults column.
Use Creditor Minimums - If selected, the Minimum Monthly Payment automatically calculates and defaults the Monthly Payment to the minimum for new accounts. Defaults and guidelines can still be entered on the Creditor screen at a later date.
Global Search Enabled - Enables a single, combined search screen for leads and clients (and their co-applicants).
Account Confirmation - When a client is set up to use ACH and the account confirmation option is selected, account numbers entered on the ACH Bank Accounts screen require confirmation before they are saved. A pop up message requires the user to re-enter the account number. If the numbers entered match, the account number is saved, but if the account numbers do not match the user must begin again.
Allow Reactivation of Transferred Accounts - If selected, users have the option to re-activate the transferred accounts by changing their status back to ‘Active’.
Update Payment Info A fter Balance Change - If selected, users are prompted to update the Current Monthly Payment and the Default Payment amounts after they change the account balance if the amounts entered are less than the Minimum payment amount. If the Current Monthly Payment and the Default Payment have never been modified, users are not prompted with this message and Credit Soft will update these amounts automatically.
Require SSN - If selected, users are required to enter the client’s SSN before entering accounts on the Client screen. The proposal error to require SSN also uses this option.
Require Name - If selected, users are required to enter the client’s name before entering accounts on the Client screen.
Enable Quick Note Feature - If selected, quick notes are visible and can be added on the Lead/Client/Account Detail screens.
Enable Quick Note Edits (same day/same user) - If selected, a user can edit their quick notes on the same day that they created them.
Track Fee Changes - If selected, when users change the payment amount for a fee creditor to something other than the Original Monthly a highlight will display on the screen.
Require Reason When Changing Fee - If Track Fee Changes is also enabled, the user will be required to enter a reason for the change in the fee amount.
Enable Tracking Changes on Payments - If selected, when the users changes the payment for any account it will prompt the user for the reason. Users can pick from a list of reasons or type their own message.
Choose New Client Status - If selected, users can specify the new client status assigned to the lead once exported. The available statuses are setup in the Client Status category of the Client section.
Round up Minimum - If selected, the software automatically rounds up the creditor minimums to the next dollar amount.
Populate Counselor by Default - If selected, the user that is currently logged in is assigned as the default counselor for new leads and clients. Otherwise, no counselor is added by default and must be entered manually.
Account Auto Format - If selected, new account numbers are automatically formatted in sets of 4 characters separated by dashes. For example, 4126-3203-4930-1229. Note: Account numbers containing non-numeric characters are not formatted.
Use Users as Counselors - If selected, system users are added to the drop-down boxes as available counselors for use throughout the program.
Update Client's Accounts to DND if Client is set that way - If selected, each creditor listed for the client will be marked with DND, once users click the DND button on the Client.
Update Due Dates upon Receipt – Used only for Debt Settlement. If selected, the due date will roll forward when a payment is posted for the amount specified in the default monthly payment. If a payment is posted for a double payment it will roll forward 2 months.
Convert Lead Admin Status – If selected, the Lead Admin Status is copied to the Client Admin Status when the Lead is converted.
Use Creditor Minimum Formula - If selected, the minimum column of the Payment Schedule fills in with the calculated minimum amount based on creditor defaults.
Set New Lead Start Date to today or X Business days in the future - If selected, the start date of the Lead is populated with the current date or current date + X days when adding a lead.
Set Client Start Date to Today Upon Conversion - If selected, the start date of the Client is populated with the current date when converting a lead to a client.
Display warning on lead screen if lead is duplicate - If selected, the Possible Duplicates message will show on the Lead tool bar.
Display warning on client screen if client is duplicate - If selected, the Possible Duplicates message will show on the Client tool bar.
Popup warning the first time a duplicate is found - If selected, a message box will pop-up indicating a possible duplicate the first time a duplicate is found. This runs on a background process so the pop-up will not be immediate.
Similarity Code needed to trigger duplicate warning - Specifies the lowest matching score to trigger the possible duplicate warning. Users can also specify the score for each field that is being matched. To not match by that field the score would be 0. 21419
Populate Initial APR from Creditor on new accounts - If selected, when accounts are added the Initial APR will auto-fill with the creditor or system default APR.
Populate Reduced APR from Creditor on new accounts - If selected, when accounts are added the Reduced APR will auto-fill with the creditor default APR. When using a Hardship Level on the account, the reduced APR is populated always regardless of this preference.
Populate Initial Payment from Creditor on new accounts / Default Initial Payment to Percent of Balance - If selected and populated, when accounts are added the Initial Payment will auto-fill with the % of the balance entered. I
Enable Quick Note Feature - If selected, Quick Notes can be entered and viewed in the system.
Enable Quick Note Edits (same day/ same user) - If selected, once a quick note is added the original user can still edit the note as long as its on the same day.
Enable multi-line summary in activity grid and auto resize row height - If selected, the activity row height will be auto-sized so that the entire note is visible.
Skip interest when Balance equal Def Monthly Payment - If selected, the balance will not be updated with interest if the Balance and the Def Monthly Payment are equal.
Enable Sales Agent and Location Matching - If selected, when changing the Sales Agent or Location the user will be prompted if they don't match. When changing Sales Agent the user will be prompted to update the location if they want. When changing the Location the user will be prompted with what it should be for the Sales Agent already specified.
Enable Calendar for DOB Fields - If enabled, a calendar button is near the DOB fields for Leads, Clients, Co-Applicants, and Contacts. The text box then becomes read only.
Custom SP Clone Client as Lead - Enter the Custom SP name that will be used to when using the Clone Client as Lead option. The SP must contain the following parameters:
@ClientID int,
@ERRORS int out,
@UserID nvarchar(20),
@ERRORMESSAGE nvarchar(2048) OUT,
@NewClientID int OUT
Calculate State Fees Based on Contract State - If enabled, the Military State (for Leads) or Contract State (for Clients) would override the address state when doing any calculations related to fees based on state.
Use the promised amount if any when forecasting - If selected, the promised amount will override the default amount in the forecast of accumulation for the negotiation screens.
Change Client Status Requires Close Reason - If selected, when choosing an inactive status on the Client Screen, a closing reason will be required.
Move Debt to NonDMP Status - A closed status to specify what the account status goes to when moving an account from the Program to Non -Qual accounts. Putting a status here adds a right click to the Account List in the Client screen.
Enables credit report Test SSN Template - If selected, the Test SSN setup screen is enabled and when pulling credit reports through Equifax if the Lead or Client's SSN is a test one we use the xml on file and don't connect to Equifax.
Enable Due Date Change Business Rules - If enabled, instead of the due date being editable in the payment schedule the user must instead click the calendar. They are then prompted to either pick either Schedule Payment - which only allows business days in the future based on the user's security group for ACH; or Special Disbursement - to allow for scheduling a manual disbursement for that day. When adding payment schedule points this same calendar is on those screens.
Require Account Close Reason - If enabled, when an account is changed to a closed type status it will require the user to pick a closing reason from the list.
Enable Debtor Contact Reasons - If enabled, when opening a Lead or Client the user is prompted for a Debtor Contact Reason. Then when closing the Lead or Client the appropriate Note or Call log is then requested.
Add new accounts additional information (bookmarks) - Specifies the bookmarks to use to show additional information on the Add account screen for Clients For example:
{CREDITORACTIONNOTE}
{CREDITORBENEFITNOTE}
{CREDITORINTERESTRANGENOTE}
Enable PS Change Payment (promise) Recalc Fee - Enables the feature to recalculate the monthly fee when creating a promise for a payment schedule point. If enabled the schedule does not allow edits on the amounts and the right clicks to create promises are hidden.
Show reminder to reallocate on account removal or payment reduction - Show a popup that says "Would you like to reallocate the amount of $ to the next priority account?" whenever an account is removed or the payment amount is reduced
Estimated Settlement Percent - Specifies a percentage amount for which the agency generally settles client accounts. This percentage is used in calculating the Estimated Number of Months repayment on the Enrollment screen.
Set Balance to Settlement Amount - Used only for Debt Settlement. If selected, the account balance is automatically updated when a settlement amount has been entered and approved.
Allow settlement with zero payment amount to creditor - If selected, users can enter a settlement amount of $0 but still enter a settlement fee greater than $0.
Always use Settlement Default Monthly Payment - If selected, the SQL query defined in the settlement program is used to populate the monthly payment field on the client detail screen.
Enable worksheet in accumulation forecast - If selected, the To Creditor and Ending Balance columns are enabled which allow the user to alter the settlement schedule amounts based on the forecast and then apply them to the settlement schedule. As payment amounts are entered the Revised Offer Alert Icon will tell you how much is needed in the schedule to equal the offer amount. This was not designed to take into consideration Settlement Fees.
Do Not Create Offer Automatically - If selected, the user will have to add account when clicking offers from Account Details.
Allow users to change the Original Debt after a settlement was processed - Typically once a settlement is processed the Original Debt and Current Balance are locked. This setting will allow users to still overwrite the Original Debt value. Doing so will recalculate the balance change log and add an adjustment entry. 28840
Settlement Export Accounts Folder - Specifies where the file will be saved for the Settlement Accounts Export Process.
Customer ID for DS Data - Specifies the unique identifier to use for the agency when sending files to DS Data in the Settlement Accounts Export Process. Having a value here will also allow the user to choose between Persolvo and DS Data when exporting accounts. 21901
Persolvo File Format - Indicates whether to generate the Original Persolvo (Maximum Recovery) file format or the new Persolvo Concerto file format when exporting settlement accounts. 26013