Possible debt statuses

Possible Debt Statuses

After issuing the credit contract, it can be tracked through the QI Tech platform's Webhooks.

The states that the contract goes through are described below:

waiting_signature

After issuance, the first state of a contract is "waiting for signature". This status remains until the signature process is completed.

signature_finished

This is a transitional state. After receiving the last signature, the contract momentarily goes to the "signature_finished" status, when the webhook is triggered and transitions to the next state immediately.

signed

After being signed, the contract remains in the "signed" status.

issued

This is a transitional state. On the disbursement date of a contract, it moves to the "issued" status, awaiting disbursement to transition to the next state.

disbursed

This is a transitional state. After the disbursement is made, the contract momentarily moves to the "disbursed" status, when the webhook is triggered and transitions to the next state immediately.

opened

After disbursement, the contract remains in the "opened" status - this is the final state if QI is not the collection agent for the operation.

settled

When QI Tech is the collection agent for the credit operation, the contract is monitored until it is settled. After the last installment payment, its status changes to "settled" and a webhook is triggered.

canceled

This state indicates that there was an error in the operation flow, such as failure to disburse credit to the debtor or the contract not being signed in a timely manner.

canceled_permanently

When there is any guarantee/collateral tied to the contract, this will be the final state, indicating that the guarantee/collateral has been released and the contract has been permanently canceled.