Waive a charge · LendEasy Docs

Forgive an eligible unpaid fee or penalty without recording cash, changing its original validity, or erasing assessment history.

A charge waiver reduces the unpaid amount the borrower owes because the lender has approved forgiveness. The original assessment remains visible and valid in history.

Harbor example

Harbor has an eligible $18 late fee with $0 paid and $18 outstanding. A full waiver produces:

Measure	Before	After
Assessed	$18.00	$18.00
Paid	$0.00	$0.00
Waived	$0.00	$18.00
Outstanding	$18.00	$0.00

Execute

The waiver is the governed charge command waive, addressed to the applied loan charge. A human call carries LendEasy-Case naming an open case when case management is enabled; without it the call is rejected before execution.

curl -X POST "$BASE/v1/loans/7204/charges/44?command=waive" \
  -H "Authorization: Bearer $TOKEN" \
  -H "LendEasy-Tenant: demo-lender" \
  -H "LendEasy-Case: case_HBR_HARDSHIP_7" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: hbr-waive-late-fee-2027-05-01" \
  -d '{
    "amount": 18.0,
    "transactionDate": "2027-05-01",
    "dateFormat": "yyyy-MM-dd",
    "locale": "en"
  }'

{
  "officeId": 1,
  "clientId": 412,
  "loanId": 7204,
  "resourceId": 44,
  "changes": {
    "amountWaived": 18.0
  }
}

Eligibility

The amount must be positive and no greater than the charge’s current outstanding balance—read GET /v1/loans/7204/charges/44 first. The loan and charge state, waiver permission, and restrictions are checked at execution, and maker-checker can park the command for a second approver above configured thresholds. Every execution writes a governance record.

A paid amount cannot be waived; use refund charge. A charge whose original assessment was wrong should be adjusted, keeping correction statistics separate from concessions.

Economic and customer effects

Waiver posts a non-cash charge-waiver transaction and its journal entries. It can reduce amount due, delinquency, payoff, and future autopay target. A draw already submitted is not reduced automatically. Statement or notice consequences follow statement policy; check the latest statement state in the loan summary before communicating.

Partial waiver

Partial amounts remain linked to the same charge, and later waivers see the reduced eligible balance. Retries with the same Idempotency-Key return the original result; distinct waivers cannot exceed the original outstanding amount because execution checks the charge’s current balance.

Undo

There is no undo command for a charge waiver. If a waiver was posted in error, the correction is a new governed action agreed in the case; customer communication and the original approval remain in evidence, and a reversal communication can be required by policy.