As described on the September 24 site update, borrowers whose loans were 91 or more days past due on that date (and not in bankruptcy proceedings) received a notice of acceleration. The Notice of Acceleration is a warning that the loan will be accelerated in 30 days, meaning the loan will be due and payable in full. If the borrower doesn’t make a payment by the 30 day deadline, his or her loan will then be charged-off at 121 days past due.
As of today, any loans which are still 121 or more days past due will be accelerated and switched into “charge-off” status. Loans in which the borrower is in a bankruptcy proceeding will not be charged-off.
Lenders with charged-off loans will receive an email when the loan is charged-off. A charge-off loan’s details will still be accessible to lenders in their Prosper account, and any post-charge-off recoveries can be viewed on the loan detail page.
You can learn more about charge-offs on this help page.
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