> ## Documentation Index
> Fetch the complete documentation index at: https://docs.capcells.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Void a debt that was not the client's

> Record that the debt was never this Client's. Everything received comes back; your loss is stated.

A void records that the debt was found never to have been this Client's — identity theft, a dispute decided for the borrower. The Loan reads `voided` and is undone exactly as [a rescission](/api-reference/loans/rescission) undoes it: nothing owed from the anchor, everything received owed back by receipt, no money from the act's date.

It also states **your loss** on the Loan: `undoing.loss`, the principal disbursed less the principal the receipts brought back.

A `held` Loan nobody signed is voided at [`/void`](/api-reference/loans/void) instead, which gives its grant back.

## Path parameters

<ParamField path="tenant_id" type="string" required>
  The Tenancy acting.
</ParamField>

<ParamField path="loan_id" type="string" required>
  The Loan. Another Tenancy's and one that never existed are both `404`.
</ParamField>

## Body

<ParamField body="on" type="string" required>
  The day the debt was found not to be the Client's. On or after the anchor.
</ParamField>

<ParamField body="reference" type="string" required>
  Your name for the act, in the one act namespace of the Tenancy.
</ParamField>

<ParamField body="actor" type="string" required>
  Whoever acted, your own reference.
</ParamField>

<ParamField body="basis" type="string" required>
  Why, in your words.
</ParamField>

<ParamField body="context" type="object">
  Stored, echoed beside the fact, read by nothing.
</ParamField>

## Response

`201` with [the whole Loan](/api-reference/loans/read): `state` reads `voided`; `undoing` carries `owed_back` and `loss`. Retry `200`.

## Refusals

| Condition | Status and code | What clears it |
| - | - | - |
| The Loan is held and unsigned | <Badge color="red">409</Badge> `held` | [Void the hold](/api-reference/loans/void) |
| The Loan is ceded or written off | <Badge color="red">409</Badge> `cession_in_force`, `write_off_in_force` | Retract that fact |
| A rescission, void or withdrawal stands | <Badge color="red">409</Badge> `undone`, `voided` | Retract it |
| The Loan is `cancelled`, or a fact stands on or after `on` | <Badge color="orange">422</Badge> `invalid_event` | State a later day, or retract that fact |

<RequestExample>
  ```bash Void a debt theme={null}
  BODY='{
    "on": "2026-10-02",
    "reference": "void-0002",
    "actor": "disputes-0003",
    "basis": "identity theft confirmed"
  }'

  curl -X POST "https://api.capcells.com/v1/tenants/$TENANT_ID/loans/$LOAN_ID/void-not-the-clients" \
    -H "Authorization: $(capcells_sign "$CAPCELLS_API_KEY" POST "/v1/tenants/$TENANT_ID/loans/$LOAN_ID/void-not-the-clients" "$BODY")" \
    -H "Content-Type: application/json" \
    -d "$BODY"
  ```
</RequestExample>


This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.