> ## Documentation Index > Fetch the complete documentation index at: https://docs.finosu.com/llms.txt > Use this file to discover all available pages before exploring further. # Cancel Loan Servicing > Cancel loan servicing and all associated scheduled payments and communications. Sets the loan's servicing status to NOT_SERVICING and cancels all pending scheduled payments, calls, emails, and SMS. ## Overview This endpoint cancels servicing for a specific loan, stopping all automated communications and scheduled payments. Use this when a loan should no longer be actively serviced by the platform. ## What Gets Cancelled When you call this endpoint, the following actions are taken: * **Loan Status**: Sets the loan's servicing status to `NOT_SERVICING` * **Stop Reason**: Records the reason for stopping servicing (defaults to `API_REQUEST`) * **Scheduled Payments**: Cancels all pending scheduled payments for the loan * **Scheduled Calls**: Cancels all pending scheduled calls * **Scheduled Emails**: Cancels all pending scheduled emails * **Scheduled SMS**: Cancels all pending scheduled SMS messages * **Call Schedules**: Cancels all active loan call schedules * **Email Schedules**: Cancels all active loan email schedules * **SMS Schedules**: Cancels all active loan SMS schedules ## Use Cases * Customer has paid off their loan in full * Loan has been sold to another servicer * Customer filed for bankruptcy * Fraud has been detected on the account * Customer is deceased * Customer is in the military (SCRA protection) * Loan was created by mistake and needs to be removed from servicing ## Stop Servicing Reasons You can optionally provide a reason for stopping servicing. Valid values are: | Reason | Description | | -------------------------------- | -------------------------------------- | | `API_REQUEST` | Default reason when cancelled via API | | `PAID_OFF` | Loan has been paid in full | | `BANKRUPTCY` | Customer filed for bankruptcy | | `FRAUD_CLAIM` | Fraud detected on the account | | `MILITARY` | Customer is protected under SCRA | | `DECEASED` | Customer is deceased | | `INCARCERATED` | Customer is incarcerated | | `DEBT_MANAGEMENT_COMPANY` | Account transferred to debt management | | `NO_LOGIN_2M` | No customer login for 2 months | | `NO_PAYMENT_OR_PLAN_3M` | No payment or plan for 3 months | | `NO_PLAN_PAYMENT_2M` | No plan payment for 2 months | | `NO_PAYMENT_OR_PLAN_4M` | No payment or plan for 4 months | | `SOLD_OFF` | Loan sold to another servicer | | `MISTAKE` | Loan was created in error | | `NO_VALID_COMMUNICATION_CHANNEL` | No valid way to contact customer | | `DEBT_DISPUTE` | Customer is disputing the debt | | `COMPLAINT_TRIGGER` | Triggered by customer complaint | | `HISTORICAL_INELIGIBLE` | Historically ineligible for servicing | | `DUPLICATE` | Duplicate loan record | | `REFUSES_TO_PAY` | Customer refuses to pay | | `LMS_CLOSED` | Loan closed from external LMS sync | ## Request Body The request body is optional. If not provided, the reason defaults to `API_REQUEST`. ```json theme={null} { "reason": "PAID_OFF" } ``` ## Response The response includes counts of all cancelled items: ```json theme={null} { "id": "LOAN-12345", "servicingStatus": "NOT_SERVICING", "stopServicingReason": "PAID_OFF", "cancelledScheduledPayments": 3, "cancelledCallSchedules": 1, "cancelledEmailSchedules": 1, "cancelledSmsSchedules": 1, "cancelledCalls": 5, "cancelledEmails": 2, "cancelledSms": 3 } ``` ## Error Responses | Status Code | Description | | ----------- | ----------------------- | | 400 | Invalid reason provided | | 404 | Loan not found | | 500 | Internal server error | ## OpenAPI ````yaml POST /loans/{id}/cancel-servicing openapi: 3.1.0 info: title: Finosu API description: Finosu API license: name: MIT version: 1.0.0 servers: [] security: - apiKeyAuth: [] paths: /loans/{id}/cancel-servicing: post: description: >- Cancel loan servicing and all associated scheduled payments and communications. Sets the loan's servicing status to NOT_SERVICING and cancels all pending scheduled payments, calls, emails, and SMS. parameters: - name: id in: path description: External reference ID of the loan to cancel servicing for required: true schema: type: string requestBody: description: >- Optional reason for stopping servicing. Defaults to API_REQUEST if not specified. required: false content: application/json: schema: $ref: '#/components/schemas/CancelLoanServicingRequest' responses: '200': description: Loan servicing cancelled successfully content: application/json: schema: $ref: '#/components/schemas/CancelLoanServicingResponse' '400': description: Invalid reason provided content: application/json: schema: $ref: '#/components/schemas/Error' '404': description: Loan not found content: application/json: schema: $ref: '#/components/schemas/Error' '500': description: Internal server error content: application/json: schema: $ref: '#/components/schemas/Error' components: schemas: CancelLoanServicingRequest: type: object properties: reason: type: string description: >- Reason for stopping servicing. Defaults to API_REQUEST if not specified. enum: - PAID_OFF - BANKRUPTCY - FRAUD_CLAIM - MILITARY - DECEASED - INCARCERATED - DEBT_MANAGEMENT_COMPANY - NO_LOGIN_2M - NO_PAYMENT_OR_PLAN_3M - NO_PLAN_PAYMENT_2M - NO_PAYMENT_OR_PLAN_4M - SOLD_OFF - MISTAKE - NO_VALID_COMMUNICATION_CHANNEL - DEBT_DISPUTE - COMPLAINT_TRIGGER - HISTORICAL_INELIGIBLE - DUPLICATE - REFUSES_TO_PAY - LMS_CLOSED - API_REQUEST example: PAID_OFF CancelLoanServicingResponse: type: object required: - id - servicingStatus - stopServicingReason - cancelledScheduledPayments - cancelledCallSchedules - cancelledEmailSchedules - cancelledSmsSchedules - cancelledCalls - cancelledEmails - cancelledSms properties: id: type: string description: Loan external reference ID servicingStatus: type: string description: New servicing status (NOT_SERVICING) example: NOT_SERVICING stopServicingReason: type: string description: Reason for stopping servicing example: PAID_OFF cancelledScheduledPayments: type: integer description: Number of scheduled payments cancelled example: 3 cancelledCallSchedules: description: Number of call schedules cancelled type: integer example: 1 cancelledEmailSchedules: description: Number of email schedules cancelled type: integer example: 1 cancelledSmsSchedules: type: integer description: Number of SMS schedules cancelled example: 1 cancelledCalls: type: integer description: Number of scheduled calls cancelled example: 5 cancelledEmails: description: Number of scheduled emails cancelled type: integer example: 2 cancelledSms: type: integer description: Number of scheduled SMS cancelled example: 3 Error: required: - error - message type: object properties: error: type: integer format: int32 message: type: string securitySchemes: apiKeyAuth: type: apiKey in: header name: X-API-Key ````