> ## 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.

# List Stop Servicing Reasons

> Returns the complete, unpaginated array of case-sensitive reasons accepted by both loan and customer cancel-servicing endpoints. Values are shared by all authenticated companies. Additional values may be added; clients must not rely on array positions or a fixed length.

Use this authenticated lookup to populate cancellation options without hardcoding
reason codes. It returns the complete array of case-sensitive strings accepted by
[Cancel Loan Servicing](/api-reference/endpoint/loans/cancel-servicing) and
[Cancel Customer Servicing](/api-reference/endpoint/customers/cancel-servicing).

## Request

```bash theme={null}
curl --request GET 'https://api.finosu.com/loans/stop-servicing-reasons' \
  --header 'X-API-Key: YOUR_API_KEY'
```

## Response

HTTP `200` returns a JSON array of strings, with no pagination or request parameters.
The OpenAPI example shows the current catalog. Missing, empty, invalid, or
inactive API keys return `401`.

The catalog is the same for every authenticated company.

Use the selected value unchanged as `reason` in a cancellation request:

```json theme={null}
{"reason": "PAID_OFF"}
```

Omitting `reason` from a cancellation request still defaults to `API_REQUEST`.
This lookup does not cancel servicing or change loan/customer records.

## Reason descriptions

These descriptions explain the currently accepted codes. Fetch the lookup at
runtime for the current list; this table is reference documentation, not a list
to copy into your integration. Selecting a reason records why servicing stops;
it does not perform a loan transfer or complete another business workflow.

| Reason | Description |
| - | - |
| `API_REQUEST` | Default reason when servicing is cancelled through the API. |
| `PAID_OFF` | The loan has been paid in full. |
| `BANKRUPTCY` | The customer has filed for bankruptcy. |
| `FRAUD_CLAIM` | A fraud claim has been reported for the account. |
| `MILITARY` | Servicing is stopped because of the customer's military protections under SCRA. |
| `DECEASED` | The customer is deceased. |
| `INCARCERATED` | The customer is incarcerated. |
| `DEBT_MANAGEMENT_COMPANY` | The account is being handled by a debt management company. |
| `NO_LOGIN_2M` | No customer login for two months. |
| `NO_PAYMENT_OR_PLAN_3M` | No payment or payment plan for three months. |
| `NO_PLAN_PAYMENT_2M` | No payment toward the payment plan for two months. |
| `NO_PAYMENT_OR_PLAN_4M` | No payment or payment plan for four months. |
| `SOLD_OFF` | The loan has been sold to another servicer. |
| `MISTAKE` | The loan was created in error. |
| `DEBT_DISPUTE` | The customer is disputing the debt. |
| `COMPLAINT_TRIGGER` | Servicing is stopped following a customer complaint. |
| `HISTORICAL_INELIGIBLE` | The loan was historically ineligible for servicing. |
| `DUPLICATE` | The loan is a duplicate record. |
| `REFUSES_TO_PAY` | The customer refuses to pay. |
| `LMS_CLOSED` | The loan was closed in the external loan management system. |
| `NUDGE_COMPLETED` | The nudge or application outreach has ended and its placeholder loan is being retired. |
| `DATA_DEFECT_HOLD` | Servicing is on hold because required account data is missing, invalid, or out of date. |
| `COERCED_DEBT_CLAIM` | The customer has reported that the debt was incurred through coercion. |
| `TRANSFERRED_TO_FINOSU` | The account has moved to Finosu for servicing; servicing stops on the original lender's loan record. |

## Compatibility

Read values by name, not array position. Additional reasons may be added; do not
assume a fixed count or compile the response into a closed client-side enum.
Refresh the lookup when presenting cancellation options. Cancellation endpoints
remain authoritative and still validate the reason and target account.


## OpenAPI

````yaml GET /loans/stop-servicing-reasons
openapi: 3.1.0
info:
  title: Finosu API
  description: Finosu API
  license:
    name: MIT
  version: 1.0.0
servers:
  - url: https://api.finosu.com
security:
  - apiKeyAuth: []
paths:
  /loans/stop-servicing-reasons:
    get:
      summary: List stop servicing reasons
      description: >-
        Returns the complete, unpaginated array of case-sensitive reasons
        accepted by both loan and customer cancel-servicing endpoints. Values
        are shared by all authenticated companies. Additional values may be
        added; clients must not rely on array positions or a fixed length.
      responses:
        '200':
          description: Accepted stop servicing reasons
          content:
            application/json:
              schema:
                type: array
                items:
                  type: string
              example:
                - 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
                - DEBT_DISPUTE
                - COMPLAINT_TRIGGER
                - HISTORICAL_INELIGIBLE
                - DUPLICATE
                - REFUSES_TO_PAY
                - API_REQUEST
                - LMS_CLOSED
                - NUDGE_COMPLETED
                - DATA_DEFECT_HOLD
                - COERCED_DEBT_CLAIM
                - TRANSFERRED_TO_FINOSU
        '401':
          description: Missing, empty, invalid, or inactive API key
          content:
            application/json:
              schema:
                type: object
                required:
                  - detail
                properties:
                  detail:
                    type: string
components:
  securitySchemes:
    apiKeyAuth:
      type: apiKey
      in: header
      name: X-API-Key

````