Obligations — Statements, Payments, and Ledgers

Details

The Details tab contains detailed account-level information and configuration fields specific to the obligation. You can view loan terms, rates, and account attributes not shown in the Summary.

FigureDetails tab showing loan terms, rates, and account attributes.

Statements

The Statements section provides access to all generated statements and documents for the account, including billing statements and correspondence issued to the obligor over time.

FigureStatements and documents table.

There are four types of documents issued from accounts in ConcordLink:

• Statement — a periodic summary of account activity including opening and closing balances, credits, debits, fees, interest charges, and the minimum payment due.
• Transaction — a notice confirming a specific transaction, such as a payment received or autopay setup.
• Marketing — outbound communications promoting products, services, or offers. Governed by applicable opt-out and compliance requirements.
• Collections — notices sent to customers with past-due or delinquent accounts. Must comply with FDCPA regarding timing, tone, and content.

Print status tracking

Physical mail is managed through CommFlow and Nordis. Print status indicators are:

• Ordered — ConcordLink has generated the letter
• Delivered — sent to the printer via CommFlow
• Fulfilled — printed and mailed by Nordis

If an obligor reports not receiving a document, confirm the print status and verify that the account status does not restrict statement generation.

Uploading documents

Two documents commonly uploaded in the Statements section are the debt certificate and proof of payment. A debt certificate is written proof that one party owes money to another. A proof of payment confirms that a financial transaction has been completed.

Payments menu

The Payments dropdown covers all payment-related functions, including account history, payments, making a payment, autopay, and payment methods.

FigureMake a Payment page — payment amount, method, and confirmation.

Account history

The Account History tab shows all past charges, amounts, interest, fees, new balances, and due dates.

FigureAccount history table.

Make a payment

This section manages payment actions. You can make one-time payments, set up autopay, and change the payment method.

FigureMake a payment screen.

Autopay

This section lets you or the customer add and manage an autopay method.

FigureAutopay section.

Payment methods

This section lets you or the customer add a bank account or debit card for use in payments.

FigurePayment methods section.

Ledgers

The Ledgers section gives you a detailed, chronological breakdown of all financial activity on an account, including individual installment payments, due dates, and running balance totals. Past-due payments and delinquent installments are highlighted in red. Use the left panel to filter the ledger by installment, principal, interest receivable, or fees.

For Utility product accounts, additional ledger types appear in the left panel: Unapplied Cash (110), Usage Charges (510), Fees (530), and Meter Readings (800).

FigureLedger.

Expand an installment record by selecting the caret to see its due date and applied amounts.

Interest receivable ledger

ConcordLink uses a specialized ledger to track interest that has been calculated but not yet satisfied. Rather than posting interest accruals daily, the system calculates interest on-demand, supporting many different interest types.

FigureLedgers tab — an example ledger with a zero balance.

More menu

The More menu contains additional advanced or less frequently used sections, including data fields, workflows, credit report history, audit history, and other options.

Related Obligations

The Related Obligations section displays any obligations linked to this account. When no related obligations exist, the section displays "No related obligations."

Next: Continue to Obligors for details on obligor account management.