CNC Affordability

Compare disposable income with a caller-supplied collection payment threshold.

Description

A collection-affordability screen compares monthly disposable income with a supplied threshold.

A collection-affordability screen compares monthly disposable income with a supplied threshold. The strict comparison determines the potential CNC indicator.^[1]

Compare disposable income with a caller-supplied collection payment threshold.

When to use CNC Affordability

Use this tool to compare disposable income with a caller-supplied collection payment threshold.

Choose the specific arithmetic or checklist scenario and establish its input amounts, dates, rates and criteria from the applicable records. Keep currencies, periods and jurisdictions consistent; review the tool-specific assumptions before interpreting the result.

How to use CNC Affordability and understand its results

Choose the specific arithmetic or checklist scenario and establish its input amounts, dates, rates and criteria from the applicable records. Keep currencies, periods and jurisdictions consistent; review the tool-specific assumptions before interpreting the result.
Enter monthlyNetIncome, allowableLivingExpenses, minimumPaymentThreshold using the field table and calculation rules, then run the tool.
Read monthlyDisposableIncome, paymentCapacityMargin, belowPaymentThreshold. The explanation below defines the units, signs, ordering and any flags or placeholder values.
If the tool reports an input issue, correct the values and run it again. Apply the stated assumptions when interpreting a successfully returned result.

Input field	Meaning	Value type; see rules below	Requirement
monthlyNetIncome	Monthly net income	number; minimum: 0	Required
allowableLivingExpenses	Allowable living expenses	number; minimum: 0	Required
minimumPaymentThreshold	Caller minimum payment threshold	number; minimum: 0	Required

Enter nonnegative monthly income, allowable expenses and threshold. Return signed disposable income and margin with the strict flag; equality does not pass.

disposable=income−expenses; margin=disposable−threshold; potentialCnc=disposable<threshold

Units, indexing, boundary conditions and exceptional cases are defined in the calculation rules above.

Output field	Meaning	Value type
monthlyDisposableIncome	Monthly disposable income	number
paymentCapacityMargin	Payment-capacity margin	number
belowPaymentThreshold	Below supplied payment threshold	boolean

json

{
  "input": {
    "monthlyNetIncome": 3000,
    "allowableLivingExpenses": 2950,
    "minimumPaymentThreshold": 100
  },
  "output": {
    "monthlyDisposableIncome": 50,
    "paymentCapacityMargin": -50,
    "belowPaymentThreshold": true
  }
}

Limitations and assumptions

Expenses and threshold are accepted as supplied. Asset equity, collection standards, verification and actual currently-not-collectible status are not determined.

Numeric inputs must be finite. Follow the calculation-specific rules for overflow, underflow and exceptional cases. Missing required fields, extra fields, wrong value types and violations of the calculation rules are input errors. A successfully returned false flag is an evaluated outcome; its meaning is explained above.

Alternative or Complementary methods

Use Lien Status Classifier: Classify supplied lien facts without determining legal release or withdrawal eligibility. For a complementary task, use Estate Liquidity Gap: Compare liquid estate assets with caller-supplied tax and near-term obligations.

References

CNC Affordability — tool.io

Similar or alternative tools

Lien Status Classifier
Classify supplied lien facts without determining legal release or withdrawal eligibility.
Estate Liquidity Gap
Compare liquid estate assets with caller-supplied tax and near-term obligations.