---
title: "Add one debt to customer"
method: POST
path: "/customers/{customerId}/debts/"
tags: ["Customers"]
---

# Add one debt to customer

`POST /customers/{customerId}/debts/`

## Request

- Base URL: `https://api.trueaccord.com/api/v1`
- URL: `https://api.trueaccord.com/api/v1/customers/{customerId}/debts/`
- Auth: none declared
- TypeScript: <https://skmtc.dev/trueaccord/apis/trueaccord-api/docs/customers/:customerId/debts/post.ts> (a function with typed inputs; its response is checked against the schema)

Add new debt to customer

## Request body

- Debt
  - `biller` string: For aggregators and marketplaces: this field stores the name of your sub merchant.
  - `product` string: description of the product or service associated with this debt.
  - `initialPrincipal` MonetaryAmount
    - `amount` integer
    - `currency` string
  - `initialInterest` MonetaryAmount
    - `amount` integer
    - `currency` string
  - `initialFees` MonetaryAmount
    - `amount` integer
    - `currency` string
  - `postChargeOffInformation` PostChargeOffInformation: information relevant for post charge-off debts. Required for accounts in the state of NY.
    - `balanceAtChargeOff` MonetaryAmount
      - `amount` integer
      - `currency` string
    - `chargeOffTimestamp` integer: Milliseconds since Jan 1st, 1970 UTC.
    - `feesAccruedSinceChargeOff` MonetaryAmount
      - `amount` integer
      - `currency` string
    - `interestAccruedSinceChargeOff` MonetaryAmount
      - `amount` integer
      - `currency` string
    - `totalPaidSinceChargeOff` MonetaryAmount
      - `amount` integer
      - `currency` string
  - `transactionId` string: arbitrary string that you can use to store a reference to the transaction on your system.
  - `transactionIp` string: IP address associated with this transaction. Either in IPv4 or IPv6 format.
  - `transactionTimestamp` integer: time that the transaction leading to the debt occurred, if applicable. Format: milliseconds since Jan 1st, 1970 UTC. For example, the origination date of the loan or the date the customer purchased the product which led to the debt. This should be **before** the `defaultTimestamp`. Note that this date may be shown to the customer to provide context on the debt, and also has ramifications in our system's compliance rules.
  - `defaultTimestamp` integer: Milliseconds since Jan 1st, 1970 UTC.
  - `accountOpenTimestamp` integer: Milliseconds since Jan 1st, 1970 UTC.
  - `clientFields` object: Client-specific key-value pairs.
  - `sendCbrNegativeNotice` boolean: Boolean flag indicating whether a negative notice **WILL BE** submitted to a credit bureau in the future.
  - `hasSentCbrNegativeNotice` boolean: Boolean flag indicating whether a negative notice **HAS BEEN** submitted to a credit bureau in the past.

## Response `201`

The response will be a debt object with a `meta.id` field which will be the debt permanent unique id. It is recommended to set the transactionId field to an invoice number on your system.

- Debt
  - `biller` string: For aggregators and marketplaces: this field stores the name of your sub merchant.
  - `product` string: description of the product or service associated with this debt.
  - `initialPrincipal` MonetaryAmount
    - `amount` integer
    - `currency` string
  - `initialInterest` MonetaryAmount
    - `amount` integer
    - `currency` string
  - `initialFees` MonetaryAmount
    - `amount` integer
    - `currency` string
  - `postChargeOffInformation` PostChargeOffInformation: information relevant for post charge-off debts. Required for accounts in the state of NY.
    - `balanceAtChargeOff` MonetaryAmount
      - `amount` integer
      - `currency` string
    - `chargeOffTimestamp` integer: Milliseconds since Jan 1st, 1970 UTC.
    - `feesAccruedSinceChargeOff` MonetaryAmount
      - `amount` integer
      - `currency` string
    - `interestAccruedSinceChargeOff` MonetaryAmount
      - `amount` integer
      - `currency` string
    - `totalPaidSinceChargeOff` MonetaryAmount
      - `amount` integer
      - `currency` string
  - `transactionId` string: arbitrary string that you can use to store a reference to the transaction on your system.
  - `transactionIp` string: IP address associated with this transaction. Either in IPv4 or IPv6 format.
  - `transactionTimestamp` integer: time that the transaction leading to the debt occurred, if applicable. Format: milliseconds since Jan 1st, 1970 UTC. For example, the origination date of the loan or the date the customer purchased the product which led to the debt. This should be **before** the `defaultTimestamp`. Note that this date may be shown to the customer to provide context on the debt, and also has ramifications in our system's compliance rules.
  - `defaultTimestamp` integer: Milliseconds since Jan 1st, 1970 UTC.
  - `accountOpenTimestamp` integer: Milliseconds since Jan 1st, 1970 UTC.
  - `clientFields` object: Client-specific key-value pairs.
  - `sendCbrNegativeNotice` boolean: Boolean flag indicating whether a negative notice **WILL BE** submitted to a credit bureau in the future.
  - `hasSentCbrNegativeNotice` boolean: Boolean flag indicating whether a negative notice **HAS BEEN** submitted to a credit bureau in the past.

---

[API](https://skmtc.dev/trueaccord/apis/trueaccord-api.md) - [All operations](https://skmtc.dev/trueaccord/apis/trueaccord-api/llms.txt) - [OpenAPI document](https://skmtc.dev/trueaccord/apis/trueaccord-api/revisions/93d3c0ce897d?raw)