---
title: "Create multiple debtors"
method: POST
path: "/debtors"
---

# Create multiple debtors

`POST /debtors`

Creates multiple debtor records in bulk

## Request body

- NewDebtor[]
  - `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, required — Contact phone number of the debtor
  - `email` string, email, required — Email address of the debtor
  - `callbackNumber` string — Callback phone number
  - `productOrService` string, required — Name of the product or service delivered to the debtor
  - `creditorName` string, required — Name of the creditor
  - `creditorEmail` string, email — Email address of the creditor
  - `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 — Link where the debtor can pay their balance, included in outreach. Accepts a full URL or a domain (e.g., https://example.com/pay or www.example.com).
  - `customWorkflowID` string — Custom workflow identifier for the debtor
  - `agentName` string — Name of the agent to attribute workflow enrollment to
  - `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`

Bulk debtor creation response

- object
  - `createdDebtors` 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.
  - `failedDebtors` object[]
    - `index` integer — Index of the failed debtor in the input array
    - `error` Error
      - `code` integer, required — Error code
      - `message` string, required — Error message

## Other responses

- `400` — Bad request

---

[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)