---
title: "Update a debtor"
method: PATCH
path: "/debtor/{debtorId}"
---

# Update a debtor

`PATCH /debtor/{debtorId}`

Update an existing debtor's information

## Path parameters

- `debtorId` string, required

## Request body

- DebtorUpdate
  - `debtorName` string — Updated name of the debtor
  - `totalUnpaidDebt` number, float — Updated total unpaid debt amount
  - `delinquencyDate` string, date — Updated date when the debt became delinquent
  - `phoneNumber` string — Updated contact phone number of the debtor
  - `email` string, email — Updated email address of the debtor
  - `callbackNumber` string — Updated callback phone number
  - `productOrService` string — Updated name of the product or service delivered to the debtor
  - `creditorName` string — Updated name of the creditor
  - `accountNumber` string — Updated account number associated with the debt
  - `address` string — Updated street address of the debtor
  - `city` string — Updated city of the debtor
  - `state` string — Updated state of the debtor
  - `zipCode` string — Updated ZIP code of the debtor
  - `ssn` string — Updated Social Security Number of the debtor
  - `lastPayDate` string, date — Updated date of the last payment made by the debtor
  - `chargeOffDate` string, date — Updated date when the debt was charged off, if applicable
  - `interestDue` number, float — Updated amount of interest due on the debt
  - `principalDue` number, float — Updated amount of principal due on the debt
  - `otherFees` number, float — Updated other fees associated with the debt
  - `amountPaid` number, float — Updated total amount paid by the debtor so far
  - `customization` string — Custom instructions for AI collection workflow (e.g., tone, channel preferences, frequency). If not provided, the system will generate an optimal collection flow.

## Response `200`

Debtor updated successfully

- DebtorResponse
  - `debtorId` string, required — Unique identifier of the debtor
  - `debtorName` string, required — Full name of the debtor
  - `totalUnpaidDebt` number, float, required — Total amount of unpaid debt
  - `delinquencyDate` string, date, required — Date when the debt became delinquent
  - `phoneNumber` string — Contact phone number of the debtor
  - `email` string, email — Email address of the debtor
  - `callbackNumber` string — Callback phone number
  - `productOrService` string — Name of the product or service delivered to the debtor
  - `creditorName` string, required — Name of the creditor
  - `creditorEmail` string, email — Creditor email if provided
  - `lastUpdated` string, date-time, required — Timestamp of the last update to this record
  - `accountNumber` string — Account number associated with the debt
  - `address` string — Street address of the debtor
  - `city` string — City of the debtor
  - `state` string — State of the debtor
  - `zipCode` string — ZIP code of the debtor
  - `county` string — County of the debtor
  - `ssn` string — Social Security Number of the debtor
  - `lastPayDate` string, date — Date of the last payment made by the debtor
  - `chargeOffDate` string, date — Date when the debt was charged off, if applicable
  - `interestDue` number, float — Amount of interest due on the debt
  - `principalDue` number, float — Amount of principal due on the debt
  - `otherFees` number, float — Other fees associated with the debt
  - `amountPaid` number, float — Total amount paid by the debtor so far
  - `paymentLink` string, nullable — Payment link associated with the debtor
  - `customWorkflowID` string — Custom workflow identifier for the debtor
  - `enrollment` object — Present only when customWorkflowID is provided
    - `attempted` boolean
    - `success` boolean
    - `message` string
    - `workflowId` string
    - `agentName` string — Agent name passed in the request. This is echoed back; if not provided, the service falls back internally to merchantName/email, but only the raw agentName is returned here.
  - `customization` string — Custom instructions for AI collection workflow (e.g., tone, channel preferences, frequency). If not provided, the system will generate an optimal collection flow.

## Other responses

- `400` — Bad request
- `404` — Debtor not found

---

[API](https://skmtc.net/collectwise/apis/collectwise-api.md) · [All operations](https://skmtc.net/collectwise/apis/collectwise-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/collectwise/collectwise-api/versions/a44939a1402b/schema)