200 400 401 403 404
{
"caseId": 1001 ,
"source": {
"collectionsCase": {
"caseId": 1000 ,
"externalCaseRef": "LE-CASE-1000",
"status": "OPEN",
"outcomeCode": null ,
"closureReason": null ,
"relationshipLabel": "Originated from"
},
"sourceInteraction": {
"interactionId": 3001 ,
"channel": "PHONE",
"direction": "OUTBOUND",
"occurredAt": "2026-07-25T17: 55 :00Z",
"verificationState": "VERIFIED",
"summary": "Borrower reported surgery and six weeks of certified medical leave.",
"performedBy": "Maria Agent"
}
},
"leaveFacts": {
"dataVersion": 2 ,
"programCode": "MEDICAL_LEAVE_DEFERRAL_V1",
"hardshipReasonCode": "MEDICAL_LEAVE",
"employmentActive": true ,
"leaveStartDate": "2026-07-14",
"expectedReturnDate": "2026-08-25",
"canResumeAfterReturn": true ,
"requestedDeferredPayments": 4 ,
"certificateState": "COMPLETE",
"sources": {
"leaveStartDate": {
"source": "CERTIFICATE",
"asOf": "2026-07-25T18: 20 :00Z",
"confidence": 0.96
},
"requestedDeferredPayments": {
"source": "BORROWER_STATEMENT",
"asOf": "2026-07-25T17: 55 :00Z"
}
},
"history": [
{
"dataVersion": 2 ,
"certificateState": "COMPLETE",
"requestedDeferredPayments": 4 ,
"changeReason": "Requested count updated from the borrower reply.",
"actorType": "HUMAN",
"recordedAt": "2026-07-27T09: 10 :00Z"
}
]
},
"evidence": {
"invitations": [
{
"invitationRef": "LE-UPL-4201",
"evidenceType": "DOCTORS_MEDICAL_LEAVE_CERTIFICATE",
"state": "UPLOADED",
"issuedAt": "2026-07-25T18: 00 :00Z",
"expiresAt": "2026-08-01T18: 00 :00Z",
"deliveredAt": "2026-07-25T18: 01 :00Z",
"openedAt": "2026-07-25T18: 05 :00Z",
"uploadedAt": "2026-07-25T18: 12 :00Z",
"revokedAt": null
}
],
"analyses": [
{
"analysisId": 8601 ,
"documentId": 7001 ,
"documentRef": "LE-DOC-7001",
"classification": "DOCTORS_MEDICAL_LEAVE_CERTIFICATE",
"classificationConfidence": 0.97 ,
"result": "SCREENING_PASSED",
"resultConfidence": 0.94 ,
"resultLabel": "No manipulation indicators were detected",
"verificationBasis": "AI_SCREENING_ONLY",
"concerns": [],
"reasonCodes": [],
"workerCode": "DOCUMENT_EVIDENCE_AGENT",
"runtimeRelease": "runtime-2026.07",
"policyVersion": "policy-12",
"packetVersion": "packet-v1",
"humanDecision": null ,
"humanDecisionReason": null ,
"humanDecidedAt": null ,
"reviewTaskId": null ,
"screenedAt": "2026-07-25T18: 20 :00Z",
"extractedFieldsWithheld": true
}
]
},
"policy": {
"currentDecision": {
"decisionRef": "LE-HPD-9f2c41d6a0b3",
"programCode": "MEDICAL_LEAVE_DEFERRAL_V1",
"programVersion": 1 ,
"definitionDigest": "5d20c7e1a94f6b83",
"result": "HUMAN_APPROVAL_REQUIRED",
"requestedCount": 4 ,
"allowedCount": 4 ,
"requiredPermission": "APPROVE_SERVICING_HARDSHIP_DEFERRAL_UP_TO_6",
"reasonCodes": [],
"ruleTrace": [
{
"key": "EMPLOYMENT_ACTIVE",
"fact": "employmentActive",
"operator": "EQ",
"expected": "true",
"observed": "true",
"status": "PASS",
"operatorExplanation": "The borrower must still be employed; this program defers payments during leave, it does not address job loss."
}
],
"inputSnapshot": {
"programCode": "MEDICAL_LEAVE_DEFERRAL_V1",
"requestedCount": 4 ,
"caseDataVersion": 2 ,
"facts": {
"employmentActive": {
"value": "true",
"source": "CASE_DATA",
"asOf": "2026-07-25T18: 20 :00Z"
}
}
},
"inputDigest": "77b3e9c04a5d812f",
"caseDataVersion": 2 ,
"permittedNextActions": [
"PREPARE_NATIVE_PREVIEW",
"PREPARE_OFFER",
"CREATE_APPROVAL_TASK"
],
"evaluatedAt": "2026-07-27T09: 12 :00Z"
},
"supersededDecisions": []
},
"financialPreview": {
"source": "LENDEASY_LMS_NATIVE_PREVIEW",
"label": "Proposed — the loan has not changed",
"proposals": [
{
"proposalId": 5601 ,
"deferredInstallmentCount": 4 ,
"state": "OFFER_BOUND",
"previewDigest": "9c41f0b2a6d84e17",
"previewAsOf": "2026-07-27T09: 14 :00Z",
"failureCode": null ,
"retireReason": null ,
"retiredAt": null
}
],
"current": {
"sourceSystem": "LENDEASY_LMS",
"asOf": "2026-07-27T09: 14 :00Z",
"businessDate": "2026-07-27",
"deferredInstallmentCount": 4 ,
"paymentResumptionDate": "2026-12-01",
"currentMaturityDate": "2028-07-01",
"proposedMaturityDate": "2028-11-01",
"currencyCode": "USD",
"deferredTotalAmount": "1540.00",
"totalCostDelta": "51.20",
"currentTotalRepayment": "11520.00",
"proposedTotalRepayment": "11571.20",
"affectedInstallments": [
{
"installmentNumber": 13 ,
"currentDueDate": "2026-08-01",
"proposedDueDate": "2028-08-01",
"principal": "385.00",
"interest": "35.00",
"fees": "0.00",
"total": "420.00"
}
],
"previewDigest": "9c41f0b2a6d84e17"
},
"optionComparison": [
{
"deferredInstallmentCount": 4 ,
"state": "OFFER_BOUND",
"preview": {
"sourceSystem": "LENDEASY_LMS",
"asOf": "2026-07-27T09: 14 :00Z",
"businessDate": "2026-07-27",
"deferredInstallmentCount": 4 ,
"paymentResumptionDate": "2026-12-01",
"currentMaturityDate": "2028-07-01",
"proposedMaturityDate": "2028-11-01",
"currencyCode": "USD",
"deferredTotalAmount": "1540.00",
"totalCostDelta": "51.20",
"currentTotalRepayment": "11520.00",
"proposedTotalRepayment": "11571.20",
"affectedInstallments": [
{
"installmentNumber": 13 ,
"currentDueDate": "2026-08-01",
"proposedDueDate": "2028-08-01",
"principal": "385.00",
"interest": "35.00",
"fees": "0.00",
"total": "420.00"
}
],
"previewDigest": "9c41f0b2a6d84e17"
}
}
]
},
"offers": {
"versions": [
{
"offerId": 6001 ,
"offerRef": "LE-OFR-6001",
"offerVersion": 2 ,
"deferredPaymentCount": 4 ,
"status": "READY_TO_SEND",
"statusReason": null ,
"issuedAt": "2026-07-27T09: 20 :00Z",
"expiresAt": "2026-08-03T09: 20 :00Z",
"approvedAt": null ,
"approvalPermission": "APPROVE_SERVICING_HARDSHIP_DEFERRAL_UP_TO_6",
"supersededByOfferId": null ,
"templateCode": "HARDSHIP_MEDICAL_LEAVE_AGREEMENT",
"templateVersion": 1 ,
"renderedDigest": "4e9a1c7f52d0b386",
"previewDigest": "9c41f0b2a6d84e17",
"terms": {
"reliefType": "DEFER_SCHEDULED_INSTALLMENTS_TO_MATURITY",
"deferredPaymentCount": 4 ,
"principalForgiveness": false ,
"rateChange": false ,
"preview": {
"sourceSystem": "LENDEASY_LMS",
"asOf": "2026-07-27T09: 14 :00Z",
"businessDate": "2026-07-27",
"deferredInstallmentCount": 4 ,
"paymentResumptionDate": "2026-12-01",
"currentMaturityDate": "2028-07-01",
"proposedMaturityDate": "2028-11-01",
"currencyCode": "USD",
"deferredTotalAmount": "1540.00",
"totalCostDelta": "51.20",
"currentTotalRepayment": "11520.00",
"proposedTotalRepayment": "11571.20",
"affectedInstallments": [
{
"installmentNumber": 13 ,
"currentDueDate": "2026-08-01",
"proposedDueDate": "2028-08-01",
"principal": "385.00",
"interest": "35.00",
"fees": "0.00",
"total": "420.00"
}
],
"previewDigest": "9c41f0b2a6d84e17"
},
"display": {
"deferredTotalAmount": "USD 1,540.00",
"totalCostDelta": "USD 51.20",
"affectedInstallmentDates": "2026-08-01, 2026-09-01, 2026-10-01, 2026-11-01",
"offerExpiryDate": "2026-08-03",
"borrowerTimeZone": "America/New_York",
"offerReference": "LE-OFR-6001"
}
}
}
],
"currentOfferId": 6001
},
"correspondence": {
"extractions": [
{
"extractionId": 4501 ,
"messageId": 9101 ,
"threadId": 8802 ,
"intent": "REQUEST_DIFFERENT_HARDSHIP_TERMS",
"requestedDeferredPayments": 4 ,
"confidence": 0.92 ,
"summary": "Borrower asked for four deferred payments instead of the offered three.",
"borrowerQuestions": [
"Will this affect my credit report?"
],
"safetyCodes": [],
"workerCode": "HARDSHIP_CORRESPONDENCE_AGENT",
"runtimeRelease": "runtime-2026.07",
"accepted": true ,
"reviewTaskId": null ,
"extractedAt": "2026-07-27T09: 10 :00Z"
}
]
},
"upcoming": {
"stages": [
{
"stageKey": "EVALUATE_CHANGE_REQUEST",
"status": "COMPLETED",
"enteredAt": "2026-07-27T09: 05 :00Z",
"exitedAt": "2026-07-27T09: 15 :00Z",
"exitReason": null
},
{
"stageKey": "HUMAN_DECISION_AND_SEND",
"status": "CURRENT",
"enteredAt": "2026-07-27T09: 15 :00Z",
"exitedAt": null ,
"exitReason": null
}
]
},
"boundary": {
"terminalStateThisPhase": "WAITING_ON_BORROWER",
"loanModified": false ,
"deferredCapabilities": [
"BORROWER_ACCEPTANCE",
"ELECTRONIC_SIGNATURE",
"RESCHEDULE_EXECUTION",
"SCHEDULE_CONFIRMATION",
"CASE_CLOSURE_ON_ACTIVATION"
],
"note": "The agreement is proposed. Nothing on the loan has changed and no acceptance has been recorded."
}
}{
"developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
"httpStatusCode": "400",
"defaultUserMessage": "The request could not be applied.",
"userMessageGlobalisationCode": "validation.msg.validation.errors.exist",
"errors": []
}{
"developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
"httpStatusCode": "401",
"defaultUserMessage": "The request could not be applied.",
"userMessageGlobalisationCode": "error.msg.not.authenticated",
"errors": []
}{
"developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
"httpStatusCode": "403",
"defaultUserMessage": "The request could not be applied.",
"userMessageGlobalisationCode": "error.msg.not.authorized",
"errors": []
}{
"developerMessage": "Request was understood but rejected; inspect errors for field-level causes.",
"httpStatusCode": "404",
"defaultUserMessage": "The request could not be applied.",
"userMessageGlobalisationCode": "error.msg.resource.not.found",
"errors": []
}