Template Variables

Template variables allow you to personalize communications by automatically inserting account, debtor, and company information into your messages. Variables are replaced with actual data when the communication is sent.

Using Variables

Variables are inserted using double curly braces: {{variable_name}}

Example: "Dear {{debtor_first_name}}," becomes "Dear John,"

Variable Syntax

• Variables use double curly braces: {{variable_name}}
• Variables are case-sensitive
• Use exact variable names as documented below
• Missing data results in blank replacement
• Array notation is supported for multiple items: {{debtor_phones[0]_number}}

Account Variables

Variable	Description
{{account_file_number}}	Internal file number
{{account_number}}	Original account number
{{account_creditor}}	Creditor name
{{account_current_balance}}	Current balance owed
{{account_original_balance}}	Original debt amount
{{account_principal}}	Principal amount
{{account_charged_off_principal}}	Charged off principal
{{account_accrued_interest}}	Accumulated interest
{{account_interest_percentage}}	Interest rate percentage
{{account_imported_balance}}	Balance at import
{{account_paid_to_date}}	Total payments received
{{account_last_payment_amount}}	Amount of last payment
{{account_last_payment_date}}	Date of last payment
{{account_date_opened}}	Date account opened
{{account_date_charged_off}}	Date account charged off
{{account_type_of_debt}}	Type of account/debt
{{account_uuid}}	Account unique identifier

Debtor Variables

Basic Information

Variable	Description
{{debtor_full_name}}	Full debtor name
{{debtor_first_name}}	First name
{{debtor_middle_name}}	Middle name
{{debtor_last_name}}	Last name
{{debtor_title}}	Title (Mr., Mrs., etc.)
{{debtor_birth_date}}	Date of birth
{{debtor_email}}	Email address
{{debtor_primary_phone}}	Primary phone number
{{debtor_job_title}}	Job title
{{debtor_social_security_number}}	Full SSN
{{debtor_social_security_number_masked}}	Masked SSN (last 4 visible)

Address Information

Variable	Description
{{debtor_address}}	Street address
{{debtor_address2}}	Address line 2
{{debtor_city}}	City
{{debtor_state}}	State
{{debtor_zip}}	ZIP code

Additional Addresses (Array)

For accounts with multiple addresses, use array notation with index [0], [1], etc.:

Variable	Description
{{debtor_addresses[0]_address}}	Street address
{{debtor_addresses[0]_address2}}	Address line 2
{{debtor_addresses[0]_city}}	City
{{debtor_addresses[0]_state}}	State
{{debtor_addresses[0]_zip}}	ZIP code
{{debtor_addresses[0]_type}}	Address type
{{debtor_addresses[0]_source}}	Address source

Phone Numbers (Array)

Variable	Description
{{debtor_phones[0]_number}}	Phone number
{{debtor_phones[0]_type}}	Phone type (home, mobile, work)
{{debtor_phones[0]_description}}	Description
{{debtor_phones[0]_source}}	Phone source

Employer Information

Variable	Description
{{debtor_employer_name}}	Employer name
{{debtor_employer_address}}	Employer street address
{{debtor_employer_address2}}	Employer address line 2
{{debtor_employer_city}}	Employer city
{{debtor_employer_state}}	Employer state
{{debtor_employer_zip}}	Employer ZIP code
{{debtor_employer_primary_phone}}	Employer phone
{{debtor_employer_secondary_phone}}	Employer secondary phone
{{debtor_employer_email}}	Employer email

References (Array)

Variable	Description
{{debtor_references[0]_full_name}}	Reference full name
{{debtor_references[0]_first_name}}	Reference first name
{{debtor_references[0]_middle_name}}	Reference middle name
{{debtor_references[0]_last_name}}	Reference last name
{{debtor_references[0]_title}}	Reference title
{{debtor_references[0]_phone}}	Reference phone
{{debtor_references[0]_type}}	Reference type
{{debtor_references[0]_source}}	Reference source

Bankruptcy Information

Variable	Description
{{debtor_is_bankrupt}}	Bankruptcy status (true/false)
{{debtor_bankruptcy_case_number}}	Case number
{{debtor_bankruptcy_chapter}}	Bankruptcy chapter
{{debtor_bankruptcy_filing_date}}	Filing date
{{debtor_bankruptcy_hearing_date}}	Hearing date
{{debtor_bankruptcy_discharged_date}}	Discharge date
{{debtor_bankruptcy_dismissed_date}}	Dismissal date
{{debtor_bankruptcy_closed_date}}	Case closed date
{{debtor_bankruptcy_disposition}}	Disposition
{{debtor_bankruptcy_proof_of_claim_date}}	Proof of claim date
{{debtor_bankruptcy_judge_name}}	Judge name
{{debtor_bankruptcy_judge_initials}}	Judge initials

Deceased Information

Variable	Description
{{debtor_is_deceased}}	Deceased status (true/false)
{{debtor_deceased_date}}	Date of death

Co-Debtor Variables

Use array notation for co-debtors. Replace [0] with the co-debtor index:

Variable	Description
{{co_debtor[0]_full_name}}	Co-debtor full name
{{co_debtor[0]_first_name}}	Co-debtor first name
{{co_debtor[0]_middle_name}}	Co-debtor middle name
{{co_debtor[0]_last_name}}	Co-debtor last name
{{co_debtor[0]_title}}	Co-debtor title
{{co_debtor[0]_primary_phone}}	Co-debtor phone
{{co_debtor[0]_social_security_number}}	Co-debtor SSN
{{co_debtor[0]_social_security_number_masked}}	Co-debtor masked SSN

Company Variables

Variable	Description
{{company_name}}	Company name
{{company_address}}	Company street address
{{company_address2}}	Company address line 2
{{company_city}}	Company city
{{company_state}}	Company state
{{company_zip}}	Company ZIP code
{{company_phone_number}}	Company phone
{{company_email}}	Company email
{{company_website}}	Company website
{{company_working_days}}	Business days
{{company_working_hours}}	Business hours
{{company_working_hours_from}}	Hours start time
{{company_working_hours_to}}	Hours end time

Collector Variables

Variable	Description
{{collector_name}}	Assigned collector name
{{collector_email}}	Collector email

Payment Variables

Last Posted Payment

Variable	Description
{{last_posted_payment_amount}}	Amount of last posted payment
{{last_posted_payment_date}}	Date of last posted payment
{{last_posted_payment_authorization_code}}	Authorization code

Last Declined Payment

Variable	Description
{{last_declined_payment_amount}}	Amount of declined payment
{{last_declined_payment_date}}	Date of declined payment

Next Scheduled Payment

Variable	Description
{{next_scheduled_payment_amount}}	Next payment amount
{{next_scheduled_payment_date}}	Next payment date
{{next_scheduled_payment_authorization_code}}	Authorization code

Payment Method Variables

Variable	Description
{{payment_method_card_last4}}	Last 4 digits of card
{{payment_method_card_expiration}}	Card expiration date
{{payment_method_billing_address}}	Billing address
{{payment_method_billing_city}}	Billing city
{{payment_method_billing_state}}	Billing state
{{payment_method_billing_zip}}	Billing ZIP code

Payment Plan Variables

Variable	Description
{{payment_plan_total_amount}}	Total plan amount
{{payment_plan_start_date}}	Plan start date
{{payment_plan_end_date}}	Expected completion date
{{payment_plan_first_installment_date}}	First payment date
{{payment_plan_first_payment_amount}}	First payment amount
{{payment_plan_installment_amount}}	Regular installment amount
{{payment_plan_final_payment_amount}}	Final payment amount
{{payment_plan_frequency}}	Payment frequency code
{{payment_plan_frequency_text}}	Payment frequency (e.g., "Monthly")
{{payment_plan_number_of_payments}}	Total number of payments
{{payment_plan_number_of_installments}}	Total installments
{{payment_plan_number_of_payments_remaining}}	Remaining payments
{{payment_plan_payments}}	Formatted payment schedule

Settlement Variables

Variable	Description
{{settlement_amount}}	Settlement offer amount
{{settlement_date_due}}	Settlement due date

Other Variables

Variable	Description
{{current_date}}	Today's date
{{payment_portal_url}}	Payment portal link

Best Practices

Testing Variables

1. Preview Mode: Always preview templates before sending
2. Test Data: Use sample accounts with complete data
3. Edge Cases: Test with accounts missing optional data

Variable Selection

1. Use Specific Variables: Choose the most specific variable available
2. Check Data Availability: Ensure required data fields are populated
3. Array Indices: Remember arrays are zero-indexed ([0] is the first item)

Compliance Considerations

1. PII Protection: Limit use of sensitive data like SSN
2. Accuracy: Only use variables with verified data
3. Required Fields: Ensure compliance language is static, not variable-based

Troubleshooting

Variable Not Replacing

Symptoms: Variable name appears in sent communication

Solutions:

1. Verify exact variable name spelling
2. Check that data exists for the account
3. Confirm proper double-brace syntax
4. Ensure variable name matches exactly (case-sensitive)

Blank Output

Symptoms: Variable replaced with nothing

Causes:

1. Data field is empty for the account
2. Variable references non-existent field
3. Array index out of bounds

Solutions:

1. Populate required data fields
2. Verify the variable name is correct
3. Check array indices (start at 0)

Related Documentation

• Email Templates - Creating and managing email templates
• Text Templates - SMS template management
• Document Templates - Document template management