Collections (in the sidebar, next to Payments) is the aging-driven call queue: every delinquent loan in one worklist, worst first, with the borrower's phone and email right on the row so you can work the book top to bottom.
Who's in the queue
Membership is exactly the dashboard's Delinquent Loans count and the Loans page's late view: past the loan's own grace period, or already marked Delinquent / Default. The three surfaces never disagree. Amount past due on each row is the same figure as the loan header's Currently Due (overdue installments + posted late charges) — the queue never computes its own number.
Aging buckets
Filter chips split the queue by days past the due date: 1-29, 30-59, 60-89, and 90+ — the standard delinquency buckets. The row badge shows the exact day count.
Logging a touch
Log on any row records a contact: the type (call, text, email, letter, in person) and the outcome (no answer, left message, spoke — promised to pay, spoke — refused, disputed, payment arranged), plus an optional note. Add an optional follow-up date, and tick Add to the Office calendar to drop it on the shared calendar as a manual event. Every touch is written to the loan's audit trail.
Promises to pay
Promise records a promise: the date the borrower said they'd pay and the amount. A promise is kept when a single qualifying payment lands — entered on or after the promise was recorded, not reversed or deleted, and covering the promised amount on its own. The payment's dated-for day doesn't matter: backdating it to the installment it covers still counts, but money already on the books when the promise was made never does. Kept promises resolve quietly. A promise whose date passes without a qualifying payment turns BROKEN and jumps to the top of the queue with a red flag — those are the calls to make first (the flag appears the morning after the promise day, once that day has ended in every US time zone). Recording a newer promise supersedes the old one.
On the loan page
Each loan's Foreclosure tab shows a compact Collections activity card — the recent touches and the current promise (kept / broken / open) — right next to the Delinquency Letters card, with a link back to the workbench.
Collections logging is data entry, not a legal process. For formal correspondence, use Delinquency letters; for the court process, see the Foreclosure tab.