Collect installments and payoffs

Once the co-signer pays the down payment, the payment plan is running. The primary co-signer pays each installment from their bail page, or pays off the rest at any time. You follow the plan on the posting's Payment card, review the proof they send, record what they pay you in person, and chase an installment that's late.

Before you startCopy Anchor Link

• Anyone in your agency can read the plan. Only the posting's assigned agent or an agency admin sees Confirm, Reject and Record Payment, and not while the posting is closed or archived.
• Installments don't move the posting. The posting goes through its documents, the jail and the release as usual, and an installment can be paid at any point along the way, after the release and after exoneration too.

Read the planCopy Anchor Link

Open the posting and find the Payment card. Its badge reads On plan while the plan still has principal owed. Under the invoice you'll see:

• Down payment, the day it was paid, and its amount.
• The terms in one line, for example 12 payments of $241.89 (the last $241.95) every 2 weeks at 12% APR.
• The schedule: each installment's number, due date and amount, with a badge. Paid is paid, Due is the next one and not late yet, Overdue is unpaid after its due date, and Upcoming is everything after. The card shows the installments around the next one. Click Show all to see the whole schedule.
• Principal still owed: what's left of the amount financed, without interest.
• Record Payment, for a payment made to you in person.
• Receipts and proofs: every installment and payoff paid so far, newest first, with its receipt and the proof that came with it, such as Installment 3 of 12 receipt and Installment 3 of 12 proof. Click one to open it in a viewer. Anyone in your agency can open them.

How the co-signer paysCopy Anchor Link

Their bail page has a Payment plan card: how many installments are paid, the next payment and its due date, the schedule, the principal still owed, and a receipt for every payment so far.

• If your agency takes online payments, they click Pay next installment or Pay remaining balance and pay by card. There's nothing for you to do: the payment settles on its own. While it's in progress, the Payment card says so. A card payment they never finish is closed an hour after its checkout expires.
• Otherwise they follow your payment instructions, upload proof, and say whether it's for the Next installment or the Remaining balance. You review it, below.

They're reminded by text or email 3 days before each due date and on the day, at 9:00 AM your agency's time. Paying an installment early stops its reminders. Other co-signers can see the plan, but only the primary co-signer pays.

Review an installment proofCopy Anchor Link

When the primary co-signer uploads proof, the assigned agent is told. The Payment card shows what it pays for, such as Installment 3 of 12 · proof to review, with the amount, the co-signer's note and the proof file. On a released posting, the Dashboard shows a Verify Payment badge in the Waiting for agent lane, and the status card says Payment under review.

• When you confirm, the installment is marked Paid, and the co-signer is told by text or email with their receipt attached. The receipt says what the payment was for, the plan's terms, and the principal still owed after it. The receipt and their proof are listed under Receipts and proofs on the Payment card.
• When you reject, the installment stays owed. The co-signer is told, with your reason, and their Payment plan card shows Payment proof not accepted so they can send new proof.

While a proof waits for you, the co-signer can't send another one or pay by card, and Record Payment is hidden.

Record a payment made in personCopy Anchor Link

If the co-signer left a card payment open, recording a payment closes it, after asking Kurv. If Kurv says they already paid it, can't confirm it's closed before it expires, or can't be reached, it stays open and Vonda tells you instead. If they start one at the very moment you save, Vonda asks you to try again once it's done.

If Kurv reports a card payment went through but its confirmation hasn't arrived an hour after it expired, you're told, and the plan on the Payment card shows it as card payment not confirmed. Check it in Kurv, then click Received to mark the installment paid, or Not received to close it and leave the installment owed. If Kurv's confirmation arrives later after all, it's handled as a late card payment, below.

Pay off the plan earlyCopy Anchor Link

The Remaining balance is what paying off the plan costs today: the principal still owed, with no interest for the period in progress. If installments are overdue, it also includes the interest those overdue installments already carried. A late installment never grows beyond that, and there are no late fees.

The remaining balance is priced when the co-signer starts the payment, by opening the card checkout or uploading proof, or when you record it. If an installment goes overdue before that payment settles, the payoff still counts at the price it started at. A card checkout the co-signer comes back to after the price changed starts over at the new price.

Paying off marks every installment left Paid. The plan is paid off, its reminders stop, and the Payment card's badge reads Paid. The same happens when the last installment is paid.

When an installment is overdueCopy Anchor Link

An installment that's still unpaid after its due date is overdue. At 9:00 AM the next day, your agency's time, the primary co-signer and the assigned agent are told, and the posting's activity records it.

• On a released posting, the posting comes back to the Dashboard's Waiting for agent lane with a Payment Overdue badge, and its status card says Payment overdue, with which installment, its amount and its due date. Before the release, and after the exoneration, the posting stays where its status puts it, and the schedule on its Payment card shows the installment as Overdue.
• Follow up with the co-signer, or record the payment if they paid you in person.
• The court case is separate. You can still exonerate the posting while its plan has principal owed. See Exonerate a posting.

If a payment doesn't match the planCopy Anchor Link

A plan payment counts only at the amount it was priced at. If one arrives for a different amount, for example a card charged a different figure, it's recorded as received but isn't applied to the plan: no installment is marked paid and the co-signer gets no receipt. The assigned agent is told, and the posting's activity names both amounts, so you can sort it out with the co-signer.

The same happens to a payment for an installment, or for the remaining balance, that another payment already paid. The co-signer can only have one plan payment in progress at a time, a proof you haven't reviewed or a card payment, so this is rare, but the alert then says the payment arrived after it was already paid. A card payment Kurv confirms after its checkout was closed, for example one the co-signer finished just as it was replaced, or one you marked Not received, is applied as usual while that installment or payoff is still owed at that amount and nothing else has paid it: the installment is marked paid and the co-signer gets their receipt. Otherwise it's recorded and not applied in the same way, and the alert says it arrived after its checkout was closed. One you marked Received that Kurv confirms at a different amount has the difference recorded, and you're told.

For a down payment, the posting goes back to Payment Rejected, and the co-signer's page tells them their payment arrived and not to pay again. From there you can edit or withdraw the plan, or record the payment.

While the plan has principal owedCopy Anchor Link

• The posting can't be archived. See Archive or unarchive a posting.
• You can still change the primary co-signer, so whoever takes over the payments gets the reminders, receipts and payment buttons. See Change the primary co-signer or remove a co-signer.
• Reports counts it in Outstanding on plans. See Read your reports.