Arrears & Collections
Unified overdue account management across all revenue streams — aging, collection workflows, payment arrangements, agency integration, write-offs, and tax-roll transfer under a single collections workbench.
Aging Calc (Nightly)
Stage Automation
Agency File Gen
Availability
Purpose-Built for Canadian Municipalities
Purpose & Scope
What this module owns
Clear ownership boundaries prevent duplication and ensure every capability has exactly one authoritative home.
Owns
8Delegated to
4Original bill/invoice generation
Rate & penalty interest calculation
Payment processing & receipt
Notification delivery (email, SMS, mail)
These capabilities are handled by dedicated modules and consumed via stable API contracts — keeping boundaries clean and ownership unambiguous.
Core Capabilities
What it does
3 capability groups comprising 8 discrete capabilities — each with API surface, business rules, and data ownership.
Automatic aging bucket calculation (current, 30, 60, 90, 120+); aging snapshots; configurable bucket boundaries per service type.
Bucket Calculation
Automatic nightly aging across current, 30, 60, 90, and 120+ day buckets for every outstanding account.
Configurable Boundaries
Aging bucket boundaries configurable per service type — property tax may differ from utility or parking.
Aging Snapshots
Point-in-time aging snapshots preserved for month-end reporting and trend analysis.
Configurable multi-stage workflow per service type: friendly reminder → formal notice → demand letter → service restriction → collection agency → legal/tax-sale; automated stage progression based on days overdue.
Multi-Stage Pipeline
Friendly reminder → formal notice → demand letter → service restriction → collection agency → legal/tax-sale.
Automated Progression
Stages advance automatically based on configurable days-overdue thresholds per service type.
Per-Service Configuration
Each service type (tax, utility, parking, court) has its own workflow stages and timing rules.
Template-based demand letters (bilingual); batch generation; registered mail tracking; final notice before agency referral.
Template Engine
Bilingual demand letter templates auto-populated with account details, amounts, and deadlines.
Batch Generation
Generate hundreds of demand letters in a single batch run for efficient mailing operations.
Mail Tracking
Registered mail tracking for proof of delivery; final notice before agency referral documented.
Every module owns a single bounded context, exposes stable APIs, and can be composed into any Civic product — that's the architecture that scales.
Krutik Parikh
Creator of Civic
Data Model
Entity Architecture
4 entities with 5 relationships — the authoritative schema for this bounded context.
Entities
Select an entity to explore its fields and relationships
API Surface
Integration Endpoints
11 RESTful endpoints across 7 resource groups — plus 6 domain events for async integration.
/api/v1/collections/accounts
List collection accounts (filter: stage, service, officer, priority)
/api/v1/collections/accounts/{id}
Collection account detail with history
/api/v1/collections/accounts/{id}/advance-stage
Move to next collection stage
Ecosystem
Products that depend on this module
8 Civic products consume Arrears & Collections — making it one of the most critical platform services in the ecosystem.
Property Tax
Tax arrears management, tax-sale referral
View product →
Utility Billing
Utility arrears, water shutoff workflow, s.398 transfer
View product →
Accounts Receivable
AR aging, collection workflow
View product →
Parking
Unpaid ticket collections, plate denial
View product →
Court / POA
Fine collections, MTO plate denial
View product →
Social Housing
Tenant arrears management
View product →
Recreation
Outstanding fee collection
View product →
Stormwater
Stormwater charge arrears, s.398 transfer
View product →
Technical Specifications
Performance, Compliance & Configuration
Aging Calculation (Nightly)
Collection Stage Automation
Agency File Generation
Payment Arrangement Creation
Write-Off Audit Trail
Availability
FAQ
Frequently Asked Questions
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Build on Arrears & Collections
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