Debt Status Codes
Every debt record in Foundation carries a status — where it sits in its
lifecycle, from first review through resolution. These are the values defined on
the Debt model. They’re the shorthand you’ll see in the portal, in staff
tooling, and in conversation; this page is the plain-language key.
Status values
Section titled “Status values”| Status | What it means |
|---|---|
| Blank / None | No status set yet — the debt has been created but not triaged. |
| In Progress | Actively being worked. |
| Validated | We’ve confirmed the debt is legitimate — the creditor provided the documentation required to prove it (see Validation). |
| Invalidated | The debt could not be validated; the creditor failed to substantiate it. |
| Settled | Resolved via a negotiated payment for less than the full balance. |
| FDCPA Pending | A Fair Debt Collection Practices Act matter is open and awaiting action. |
| FDCPA Resolution | An FDCPA matter has reached resolution. |
| FCRA Resolution | A Fair Credit Reporting Act matter has reached resolution. |
| TCPA Resolution | A Telephone Consumer Protection Act matter has reached resolution. |
| Pending Complaint | A formal complaint is being prepared. |
| Active Lawsuit | Litigation is underway on this debt. |
| Judgment Entered | The court ruled in the creditor’s favor — a judgment now exists. |
| Lawsuit Dismissed | The suit was dismissed. |
| Removed From Credit Report | The item has been deleted from the consumer’s credit report. |
Whose debt it is
Section titled “Whose debt it is”A debt also records the consumer’s relationship to the account — the whos_debt
field. This determines who is actually liable and how we correspond about it.
Applicant · Co-Applicant · Authorized User · Borrower · Co-Borrower ·
Co-Signer · Maker · Joint · Individual · Participant · Deceased ·
Terminated · Undesignated
Portfolios
Section titled “Portfolios”Every person is assigned to a portfolio, which routes them to the right company book of business:
- RESPRO — Resolution Processing.
- MLG — the law-group portfolio.
- MLG-BK — the law-group bankruptcy portfolio.
- OTHER — anything not covered above.
Related terms
Section titled “Related terms”- Validation — the legal process of proving a debt is legitimate; the creditor must provide documentation on request.
- Charge-off — an account the original creditor has written off as a loss. Still collectable, and often where a debt buyer enters the picture.
- Debt buyer — a collection agency that purchased the debt from the original creditor.
Source: foundation/debts/models.py (Debt.Status, Debt.WhosDebt) and
foundation/people/models.py (portfolio choices).