Sam Ferreira · L-1111
nsf collection escalated Bytown Mortgage Fund · principal $472,000.00 at 10.25% · at issue $3,100.00
25dsince last contact
4events on file
May 2028maturity
Borrower replies
Oh sure, I'll get right on paying a fee for a payment that never bounced.
Evidence the model cited: “paying a fee for a payment that never bounced”
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
2026-07-25 23:35 · system
key: 23-opened-0
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borrower_replied
2026-07-26 23:35 · borrower
{"reply_id":17}key: 23-reply-17
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outreach_sent
2026-07-27 23:35 · servicer:kbrandt
{"template":"nsf_first_notice"}key: 23-outreach_sent-1
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escalated
2026-07-29 23:35 · servicer:kbrandt
key: 23-escalated-2