Ibrahim Haddad · L-1107
renewal awaiting borrower Bytown Mortgage Fund · principal $322,000.00 at 7.25% · at issue $322,000.00
28dsince last contact
3events on file
Nov 2027maturity
Borrower replies
If I pay the arrears by the 30th does the default get removed from my file?
Evidence the model cited: “If I pay the arrears by the 30th does the default get removed from my file?”
A reading is evidence. Promoting is the only path to a fact, and it is idempotent.
Event log — append-only; the case state above is a fold over this
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opened
2026-07-22 23:35 · system
key: 19-opened-0
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borrower_replied
2026-07-23 23:35 · borrower
{"reply_id":15}key: 19-reply-15
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outreach_sent
2026-07-24 23:35 · servicer:kbrandt
{"template":"renewal_60d"}key: 19-outreach_sent-1