Aldo Gonzalez

Import Return Files Changes

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The process of importing RPPS and Check Return Files has undergone the changes described below.

RPPS Return Files are now processed system wide so that a return file only needs to be imported once even if multiple Companies share the same RPPSID.

When selecting File Type of RPPS Return File, the Company Select is no longer displayed as it is not needed. The History record associated with this file is associated with the 0 Company.

Check Return Files are now processed per Bank instead of per Company. After choosing File Type of Check Return File, a Bank Select box is displayed where Banks that have a Check Return File will be displayed along with their current check number.

Supported Check Return File types can be associated within the Bank record. Only Banks that are associated with a Check Return File Format are displayed int he Import Return Files page.

CERP Report

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Updated: 2020.05.05

A new field have been added to the Creditor record:

  • Peregrin CreditorID (set manually)

The DMA / Client Creditors report has a new filter CERP Report. If set to Yes, only the CERP relevant columns are displayed in the report so that it can be exported and modified before uploading to Peregrin.

Prior to running the report, date filters and Hardship Indicators should be selected.

CERP Support

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In order to support the Counselor Emergency Response Program (CERP), a new Hardship Indicator has been added to the CMA.

The three Virus Related Hardships (VRH) were already added as part of EMS support and are available under the Lead/Budget tab.

Steps required by the Agency

  • The hardship indicator should be added to participating Creditors using the DMA/Creditors view under the Hardship tab.
    Because this hardship is a deferral, all terms should be left at 0.
  • Add a new CERP Task with a due date of 45 days so that you can review the Client account prior to 60 days. Expire time should be set to 3888000 seconds.

To enroll a ClientCredit account in CERP:

This applies to 1b and 2b.

  1. change the Proposal Status to Queued
  2. change the Hardship Indicator to P: CERP
  3. remove the DMP BillerID to prevent the account from appearing in the RPPS DMP report
  4. create a CERP Task for the client to follow up prior to 60 days

Generating the Peregrin CSV file

Currently, the Peregrin CSV file should be populated manually as it may contain a mix of EMS and CERP proposals along with a reason code of 1a, 1b, 2a, or 2b, depending on whether this is an already enrolled Client.

As the file is populated, the ClientCredit Proposal status should be changed from Queued to Pending indicating that a response is pending from the Creditor.

To make it easier to identify which ClientCredit accounts are enrolled in a CERP product, the DMA/Client Creditors report has been modified as follows:
– added a Hardship Reason filter
– the Hardship Indicator filter now supports multi-select

EMS Support

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This document outlines how to enable Extended Modification Solution (EMS) support in the CMA.

Add Hardship Indicator to Creditors

A new EMS Hardship Indicator with a value of “M” has been added to System Management/System Codes table:

This hardship indicator should be added to participating Creditors using the DMA/Creditors view under the Hardship tab. There, you can specify the individual Creditor terms specific to EMS.



New Client Hardship Reasons for COVID-19

In order to track Clients impacted by COVID-19, new Hardship Reasons have been added to the Hardship Reason Drop downs. These new reasons are mapped to existing RPPS codes 2 (Reduced income/unemployment) and 8 (Unexpected/Catastrophic Expenses)

Enroll a ClientCredit account in EMS

In order to enroll an existing Client’s account in EMS, edit the ClientCredit record in the DMA and
1. change the Proposal Status to Queued.
2. change the Hardship Indicator to M: EMS.
3. remove the DMP BillerID to prevent the account from appearing in the RPPS DMP report
4. update the Months Behind field to indicate current months behind in payment. (this field added 2020.03.30)
5. update the record (The CMA will automatically update the Program APR and new Monthly Payment. )

Tracking Charge Off Proposal Dates

The distributed EMS Calculator should be used to compute Charge Off dates.

A new Task called EMS Charge Off Proposal can be created using System Management/Task Management. This task can be created for Clients and linked to ClientCredit records to schedule when to transmit Charge Off Proposals for each ClientCredit account based on the date obtained from the EMS Calculator.

Identifying Clients enrolled in EMS

There are at least three methods that can be used to track Clients enrolled in EMS.

  1. If not using the Broker codes in the DMA, create a new Broker code under System Management/System Codes with a label such as EMS. Change the Client’s Broker code under the Client/Admin tab
  2. If using Broker codes for other purposes, create a new Agency and associate the Client with this EMS Agency
  3. If the above two options are used for other tracking purposes, you can create a Client Tag under System Management/System Codes. Client Tags are only displayed in the Client and DMA/All Clients views so its reporting capabilities are not as useful as using Brokers and Agencies.

Agreement/Extranet Package

The EMS Disclosure and Plan documents that need to be signed by Clients, can be added as Documents under System Management/Document Template Management.

The Documents can either be added as Extranet Steps using System Management/Extranet Phases and/or a printable package using System Management/Document Package Management (Document Transaction).

It is recommended that an ACH step is added to both the package and Extranet steps to get authorization for the new monthly payment amount.

CSP Multi-Tier Support

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There is a new System Setting: IS_CSP_SUPPORTS_MULTIPLE_TIERS

If enabled:
– when sending a Lead package, the same tier is no longer required for CSP accounts
– any hardship indicator linked with the Creditor can be selected

Update CSP Stats

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Stats for CSP Creditors displayed in the Standard Budget now include a total of Accepted Proposals with a first disbursement during the current month. This provides a more accurate percentage of accounts enrolled in a CSP Tier.

Creditor Disbursements via ACH

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Disbursements to Creditors can be made via ACH instead of a check file. To enable ACH Disbursements:

  • Add a Bank record with the Creditor’s Bank ACH information
  • Update the Creditor record and link it with the new Bank
  • When this is done, a new drop down appears in the (DS) Check view that allows selection of Creditors with ACH disbursements.
  • Select the Creditor and generate an ACH file instead of a Check file

Ability to set default Disbursement Bank

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There is a new field in the Company record that allows selection of a default Disbursement Bank that is different from the Bank that is used to draft Payments and transmit Client ACH files. If no Bank is selected, the Default Bank is used for Disbursements.

Tasks can inherit Client Assigned To

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Tasks can now be assigned to the User its Client is associated with. In the LMA, the Task will inherit who the Lead is assigned to. If this is a backend task, then it inherits who the Client is assigned to.

Add ability to assign Client records to Users

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Similar to how Leads can be assigned to Users, Clients can now be assigned to Users.

Assignment can be performed via the Admin tab in the Client record or in bulk via the Manager Report.

Filters and columns have been added throughout DMA Reports including: All Clients, Client Balances, Search, Client Docs, Client Messages.

There is a new Assignment Report that displays the number of assignments per User by Client Phase.

There is a new DocumentTemplate variable called $UserBackend that contains the information of this user.

Task functionality remains unchanged for the DMA.

Payment Change Fee Action Shortcut

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In order to improve the process of creating a Payment record for payment date change requests, a new shortcut has been added to the Client/Accounting/Payment tab.

The shortcut can be enabled if Payment Change fees are used by setting to System Setting variables:

PAYMENT_CHANGE_FEE_AMOUNT
PAYMENT_CHANGE_EXCLUDE_STATES

The shortcut is not displayed for Clients residing in states listed in PAYMENT_CHANGE_EXCLUDE_STATES.

PaymentTypes can be Inactive

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PaymentTypes can now be made inactive. Doing so will remove them from Payment Type drop downs in the CMA. Payment records linked with Inactive types will still display the correct Payment Type.

Credit Score storage change

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All Credit Scores are now stored in a central location for both Clients and CoApps under a Client tab labeled FICO.

Previously Credit Scores were stored in three different locations:

  1. Client Budget section
  2. CoApp record
  3. Housing tab

All previous scores have been moved to the new table.

There is a new DocumentTemplate variable that stores all the scores named: $CreditScore

When a Credit Report is pulled, a new entry is automatically made into the CreditScore table so that a history of scores is retained.

Support for ACH WEB Transactions

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Payment records can now specify the use of the WEB ACH SEC type. WEB can be manually selected when a Payment record is created. This helps facilitate pulling for one time transactions authorized via the extranet.

If no selection is made, Payment records default to the PPD SEC type.

Override RPPS CDA Program APR

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Some Billers like Citi return a 0% Program APR with accepted proposals via the RPPS CDA record. The actual Program APR may be a non-zero value like 9.9%. This requires manually updating the Program APRs for relevant ClientCredit records.

A new field in the Creditor record now allows overriding returned CDA Program APRs that have a 0 value.

When Override RPPS Program APR when 0% is set to Yes, the value specified in DMP Program APR is used after a CDA record is received from RPPS.