# Approving a payment plan

Heads up — **there is no creditor-facing plan-approval step today.** When a debtor agrees to a payment plan on a call, the agent records it directly and the platform schedules the installments. This page explains what actually happens, and where you'll see the plan in the dashboard.

## How plans get created today

The voice agent's tool kit includes `capture_ptp` (promise-to-pay) and the post-call extractor pulls `payment_plan_details` from the transcript. When the extractor records a `plan_agreed` outcome:

1. A `PaymentCommitment` row is created with `type = "payment_plan"`.
2. The amount is sanity-checked and the installments are parsed from the LLM extraction.
3. A follow-up is scheduled for the day after each promised payment date.

There is no `plan_pending` placement status, no creditor approval inbox, no counter-offer flow, no Approve / Counter / Reject buttons in the dashboard. The plan is what the debtor agreed to on the call.

## Where you'll see the plan

Open the placement detail page. The plan shows up in two places:

* **Timeline tab** — the call event that produced the plan is on the timeline, with the outcome `plan_agreed`.
* **Calls tab** — the call's AI summary will mention the plan terms; the transcript shows the exact exchange.

There is currently no dedicated "Plan" card or progress tracker in the placement detail UI. Installment status, missed payments, and plan progress all surface on the **Payments** tab as individual payment attempts (`PaymentAttempt` rows from Stripe).

## What happens after the call

* The debtor gets a portal link and can pay via the portal (`/portal/:placementId/pay`) — see [Paying through the portal](https://github.com/knollmeyersam-dot/MC-Docs/blob/main/help-center/debtor-portal/paying-through-the-portal.md).
* Scheduled payments are processed via Stripe (ACH or card).
* If a payment fails or is missed, the standard outreach cadence picks the placement back up automatically.
* The placement moves through `pending_payment → paid` if the plan completes successfully.

## What to do if you don't like the plan

If the agreed plan is outside what you'd have accepted (too long, too small a down payment, too low a monthly amount):

* **Recall the placement** via `POST /v1/placements/{id}/recall` if you want to stop pursuing entirely. This pauses every active email sequence and cancels every scheduled call.
* **Email `support@moderncollections.io`** to discuss tightening your plan-acceptance bounds in your strategy config. Most plan-acceptance bounds are still configured by our team on your behalf, not via self-serve dashboard.

## What's planned but not yet built

* A creditor-facing plan-approval queue.
* An Approve / Counter / Reject flow on the placement detail page.
* Plan-bound configuration in `Settings → Strategy`.
* A dedicated "Plan progress" tile on the placement detail page.

When any of these ship, this page will be updated.

## TODO

* Screenshot: a `plan_agreed` call event on the timeline.
* Screenshot: payment attempts on the Payments tab for a plan that's in progress.

***

Last reviewed: 2026-05-24 by Customer Success.


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